Bajaj Finance Rejected Me—Here’s How I Got My Card in 30 Days!
Introduction:
I stared at my screen in disbelief—“Application Rejected.” Again. After months of careful planning, Bajaj Finance had denied me their coveted credit card. Frustrated but determined, I refused to accept defeat. What went wrong? Was it my credit score? My income? Or something I hadn’t even considered?
Turns out, small mistakes were sabotaging my applications—and chances are, they might be holding you back too. But here’s the good news: I fixed them and got approved in just 30 days.
In this post, I’ll share exactly what worked—from correcting hidden application errors to boosting my credit profile the right way. No fluff, no vague advice—just real steps that turned my rejection into an approval.
If Bajaj Finance rejected you, don’t lose hope. Your card might be closer than you think. Let’s dive in!
Why Was My Bajaj Finance Card Application Rejected?
When I first saw the rejection email, my mind raced. Was it my credit score? Income? Something else?
Turns out, Bajaj Finance (like most lenders) has specific, often unspoken criteria for approvals. After digging deep—and even speaking to a customer service rep—I uncovered the real reasons behind my rejection.
1. My Credit Score Was “Good” But Not “Great”
I had a CIBIL score of 735, which I thought was decent. But Bajaj Finance prefers applicants with 750+, especially for their premium cards. Even a small dip below their threshold can trigger an automatic rejection.
2. Too Many Recent Credit Inquiries
In the past three months, I had applied for two other credit cards and a personal loan. Each application triggered a hard inquiry on my credit report, making me look “credit-hungry” to lenders.
3. High Credit Utilization Ratio
I was using 78% of my existing credit limit across other cards. Bajaj Finance saw this as a risk—why approve me if I was already maxing out my cards?
4. A Tiny Mistake in My Application Form
Upon reviewing my application, I realized I had mistyped my employment tenure by a month. A small error, but enough to raise a red flag in their automated system.
5. My Income Didn’t Match Their Unwritten Threshold
Though Bajaj Finance doesn’t publicly state minimum income requirements, agents hinted that salaried applicants should earn at least ₹25,000/month for their basic card. I was just under that.
How I Fixed My Application and Got Approved in 30 Days
Once I knew why I was rejected, I went into problem-solving mode. Here’s exactly what I did to reverse the decision.
Step 1: I Boosted My Credit Score by 25 Points in 30 Days
A higher credit score was non-negotiable. Here’s how I improved mine fast:
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Paid off 50% of my credit card debt to lower my credit utilization below 30%.
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Set up automatic payments to ensure no late payments slipped through.
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Disputed a small error on my CIBIL report (an old loan marked “pending” that I had actually closed).
Within a month, my score jumped from 735 to 760—crossing Bajaj Finance’s preferred threshold.
Step 2: I Stopped Applying for Credit—Completely
I put a 90-day freeze on any new credit applications. This let my recent inquiries age out of the “high-risk” zone.
Step 3: I Reapplied with a Flawless Application
This time, I:
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Double-checked every detail (name spelling, income, employment dates).
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Applied through a Bajaj Finance partner (I used Flipkart’s pre-approved offers, which had higher approval rates).
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Chose a less premium card (their entry-level card instead of the supercard).
Step 4: I Added a Small Fixed Deposit as Backup
As a last resort, I was ready to link a ₹10,000 FD to secure the card. But surprisingly, after fixing the above issues, I was approved without it!
What If You’re Still Rejected? (Next Steps)
If Bajaj Finance rejects you again, don’t panic. Try these advanced fixes:
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Ask for Manual Review – Call customer care and politely request a human reassessment.
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Apply with a Co-Applicant – A family member with better credit can boost your chances.
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Opt for a Secured Card – Bajaj’s FD-backed card is easier to get and helps rebuild credit.
Final Thoughts: Persistence Pays Off
My journey wasn’t easy, but it was worth it. Bajaj Finance’s card has been a game-changer for my finances—great rewards, easy EMIs, and acceptance everywhere.
If they rejected you, remember: it’s not personal, it’s procedural. Fix the gaps, reapply smartly, and your approval could be just weeks away.
Ready to try again?
My name is Rohit Vagh and I’m a content writer specializing in fashion and lifestyle. I have three years of experience in this field and have written various articles. My writing style is creative and engaging, and I strive to create content that resonates with my readers. I have a deep passion for fashion and am constantly researching the latest trends and styles to make sure my readers are up to date. I’m excited to continue my career in blogging, and I’m always looking for new opportunities in the fashion and lifestyle space.
