Card application complaint closed as a commercial decision

Bank · Credit card application · credit-card application

Complaint no.: N202526016000408
Against: Federal Bank
Filed: 5 Apr 2025
Closed: 18 Apr 2025
Time taken: 13 days
Scheme: RB-IOS 2021
Closure clause: 16(1)(a) r/w 10(2)(a)(i)
Did it help?: Did not help
Compensation: None

What happened

A complaint about how the bank handled a credit card application.

What the entity said

The bank showed it had replied to me on 3 April 2025.

What the Ombudsman decided

What I asked for fell within the bank's commercial judgement. Closed as non-maintainable in 13 days.

Did not help

Did the Ombudsman help?

No. Closed in 13 days as a commercial decision under a clause about premature complaints, which did not match the reasoning in the letter.

What I took from it

If the relief you ask for is "approve my application", the complaint ends here. Ask for something the Scheme can order: a written reason, a correction, a refund, compensation for delay.

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.