HDFC Regalia Gold CC New Application

[avj_917]

Hi,
I applied for a new HDFC CC and was told by my local branch correspondent that I am eligible for Regalia Gold based on my Card 2 Card Application Request(ICICI Coral CC) having a credit limit above 7.5L. Also, they took my salary slip clearly showing a salary above 1.2L/month.
During the card verification call, I was told the same was successful and I am being issued Regalia Gold as LTF.
After a few days, I received a call from the bank that there was some issue for the same and I am eligible for HDFC MoneyBank CC. I asked what is the reason for this, they told me to enquire with the person who applied for your application.
After enquiring with my local branch CC correspondent, they told me that I am issued a Credit Limit of 67K only, but the Card is issued with a minimum limit of 3L. Thus the application is being downgraded. Either I accept the downgrade(to MoneyBank) or get the card issued as the non-LTF (2.5K/yr charges). And there is nothing else they can do about it.
Please suggest to me how to proceed.
Can I contact any grievance portal to help me in this case?

 

[avj_917]

Addon : I work in corporate(Fintech startup) and have preferred salary account with HDFC.
I have 2 other cards (Airtel Axis and AmazonPay) having limit of (3.6L n 6.1L) resp. other than ICICI Coral

 

[D₹V]

Hi,
I applied for a new HDFC CC and was told by my local branch correspondent that I am eligible for Regalia Gold based on my Card 2 Card Application Request(ICICI Coral CC) having a credit limit above 7.5L. Also, they took my salary slip clearly showing a salary above 1.2L/month.
During the card verification call, I was told the same was successful and I am being issued Regalia Gold as LTF.
After a few days, I received a call from the bank that there was some issue for the same and I am eligible for HDFC MoneyBank CC. I asked what is the reason for this, they told me to enquire with the person who applied for your application.
After enquiring with my local branch CC correspondent, they told me that I am issued a Credit Limit of 67K only, but the Card is issued with a minimum limit of 3L. Thus the application is being downgraded. Either I accept the downgrade(to MoneyBank) or get the card issued as the non-LTF (2.5K/yr charges). And there is nothing else they can do about it.
Please suggest to me how to proceed.
Can I contact any grievance portal to help me in this case?

Contact grievance officer with your salary slip docs.

grievance.redressalcc@hdfcbank.com

You shouldn't have applied C2C via ICICI card, lol. No bank will take ICICI/Federal/Kotak Limit seriously for C2C application.

 

[D₹V]

Contact grievance officer with your salary slip docs.

grievance.redressalcc@hdfcbank.com

You shouldn't have applied C2C via ICICI card, lol. No bank will take ICICI/Federal/Kotak Limit seriously for C2C application.

Say them you're eligible for this card & want only the same, as per salary criteria.

If they don't issue the card, don't activate Moneyback.

 

[lightwaves]

Hi,
I applied for a new HDFC CC and was told by my local branch correspondent that I am eligible for Regalia Gold based on my Card 2 Card Application Request(ICICI Coral CC) having a credit limit above 7.5L. Also, they took my salary slip clearly showing a salary above 1.2L/month.
During the card verification call, I was told the same was successful and I am being issued Regalia Gold as LTF.
After a few days, I received a call from the bank that there was some issue for the same and I am eligible for HDFC MoneyBank CC. I asked what is the reason for this, they told me to enquire with the person who applied for your application.
After enquiring with my local branch CC correspondent, they told me that I am issued a Credit Limit of 67K only, but the Card is issued with a minimum limit of 3L. Thus the application is being downgraded. Either I accept the downgrade(to MoneyBank) or get the card issued as the non-LTF (2.5K/yr charges). And there is nothing else they can do about it.
Please suggest to me how to proceed.
Can I contact any grievance portal to help me in this case?

Don't accept the Moneyback card. This is a very common trick of HDFC. Just decline the card and tell them you're okay with your preferred card only(assuming you meet the minimum requirements).

 

[Alex292929]

Don’t take moneyback lol otherwise you won’t be able to escape the HDFC matrix.

 

[lightwaves]

Don’t take moneyback lol otherwise you won’t be able to escape the HDFC matrix.

Exactly!! Moneyback is used as a bait~

 

[amitr29]

Hi,
I applied for a new HDFC CC and was told by my local branch correspondent that I am eligible for Regalia Gold based on my Card 2 Card Application Request(ICICI Coral CC) having a credit limit above 7.5L. Also, they took my salary slip clearly showing a salary above 1.2L/month.
During the card verification call, I was told the same was successful and I am being issued Regalia Gold as LTF.
After a few days, I received a call from the bank that there was some issue for the same and I am eligible for HDFC MoneyBank CC. I asked what is the reason for this, they told me to enquire with the person who applied for your application.
After enquiring with my local branch CC correspondent, they told me that I am issued a Credit Limit of 67K only, but the Card is issued with a minimum limit of 3L. Thus the application is being downgraded. Either I accept the downgrade(to MoneyBank) or get the card issued as the non-LTF (2.5K/yr charges). And there is nothing else they can do about it.
Please suggest to me how to proceed.
Can I contact any grievance portal to help me in this case?

Moneyback means give the card back 😅

 

[avj_917]

Update:
Contacted grievance team
Updated them about situation.

They initiated the process for this issue.
The speed was a bit slow(was replied after 3-4 days a week)
Thus, after multiple email chain, they concluded that 90 days has passed from the date of my application and thus they can't process it right now.

Felt like that was utter waste of time at the end.
They suggested to apply again with a new application, but already 3 credit enquiries has been raised and sill I haven't got the card. Unnecessary enquiries hurting Credit score too.Thus didn't continue.

 

[avj_917]

Anyways :
thanks for TF members for suggestions.

Contact grievance officer with your salary slip docs.

grievance.redressalcc@hdfcbank.com

You shouldn't have applied C2C via ICICI card, lol. No bank will take ICICI/Federal/Kotak Limit seriously for C2C application.

Don’t take moneyback lol otherwise you won’t be able to escape the HDFC matrix.

Exactly!! Moneyback is used as a bait~

Moneyback means give the card back 😅

 

[RAMESH BABU N]

Same story...

Multiple CIBIL Hits.

No one knows why/how their Branch accepts, recommends n forwards the C2C application if it is against their norms.

If they are following the norms, why the hell their Chennai CC office declines the card. And, on what basis those jokers fix such low linits n give some junk cards?
And, engage in mindless n meaningless emails - dozens of them with illogical cut n paste jobs - with no direction.

Almost each email would result in a CIBIL Hit. Zombies...

 

[Rahul92]

Same story...

Multiple CIBIL Hits.

No one knows why/how their Branch accepts, recommends n forwards the C2C application if it is against their norms.

If they are following the norms, why the hell their Chennai CC office declines the card. And, on what basis those jokers fix such low linits n give some junk cards?
And, engage in mindless n meaningless emails - dozens of them with illogical cut n paste jobs - with no direction.

Almost each email would result in a CIBIL Hit. Zombies...

And I thought axis is the ultimate evil out there !!!

Stuck with 1.5 L millennia since 5 years , was planning to close it and apply fresh in 6 months c2c.