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Any chance to get a pre-approved DCB Metal as first unsecured card?

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Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
 
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LiamHouse said:
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
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people who have history with 1lakh+ unsecured limit and 10 lakhs of networth didn't got

Don't hope that much try for millennia else moneyback or Biz 😅
 
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Tejo said:
Maintain what you can

Try to do txns with dfc dc card.
Click to expand...
What is dfc dc card? I put 15-25L in the income section during opening the account, I'm just hoping spending like I make 21L a year will get HDFC to issue the card lol. If I put in 15-20L into the account what then?
 
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LiamHouse said:
What is dfc dc card? I put 15-25L in the income section during opening the account, I'm just hoping spending like I make 21L a year will get HDFC to issue the card lol. If I put in 15-20L into the account what then?
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It's not just about what you enter under income section while opening the savings account. Bank will also ask from the proof of income like payslips/ITR and even if you have payslips, your card approval will be purely based on credit card backend team who gonna analyse your income criteria and payment history
 
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girish3456 said:
It's not just about what you enter under income section while opening the savings account. Bank will also ask from the proof of income like payslips/ITR and even if you have payslips, your card approval will be purely based on credit card backend team who gonna analyse your income criteria and payment history
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I'm not applying for the card for them to ask for payslips/itr, I'm talking about getting a pre-approved offer for the card. Please actually read what the post says before leaving a comment.
 
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RAMESH BABU N said:
You do not have a job. So, no salary.

You do not file ITR. So, you can't provide it.

Have you seen the eligibility criterion ?

Have a look at the attachment and decide for yourself. Why ask ?
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do you people even read the post or do you have difficulty understanding what I said?

The criteria doesn’t matter for pre-approved cards. People get millennia or regalia without any salary information, does the bank call them and ask for payslips after pre-approval? What would you say to that?
 
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LiamHouse said:
does the bank call them and ask for payslips after pre-approval?
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Some people were asked.

It's not like that, you have funds of lakhs in ac and you will get credit card based on that networth.

Bank will analyse credit worthiness, if any issue occur like covid or accident does bank can recover the amount or not ?

Some(most of the ) people have, networth = debt so banks thinks/analyse again and again

Here people who have 10 lakh unsecured limit didn't got even millennia with 1 lakh limit from hdfc
 
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Riya Sharma said:
lol this guy is extremely rude, comes in and expects people to drop everything else and answer his question like he is our boss. And even after people do answer his question he acts like their opinion is useless. Why ask for it then? What a loser
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you got the answer my question part wrong. I asked if it’s possible for a pre-approved offer, I didn’t ask if I was eligible for one as if I was applying for the card. Smartass answers for questions nobody asked get smartass replies.
 
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Firstly, no need to get snippy here ,@RAMESH BABU N is a veteran on this forum ,kindly be respectful to everyone's opinion, as we're all hear to help each other

Secondly, you asked similar question few days back on the pretext of it being for your cousin ,and at the time i had given you a detailed reply on how to go about
Asking the same thing again and again won't change the answer

Now to answer your current question, chances of a DCB Metal being offered in your current situation is slim to none ,you'll be lucky to get any unsecured card(but it's possible to get a basic one)
As for what you can do about it ,you've got pretty much 3 options
1. Slow game ,get your first unsecured card and move up the ladder with limit increase and upgrades
2. Give some business to bank ,buy some Financial products like ulip
3. Find a highly motivated bank employee or contacts in higher up's in HDFC
 
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LiamHouse said:
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
Click to expand...
I have been testing hdfc with multiple accounts and what you want is definetly possible. You can even take infinia as your first credit card without any cibil score with the right NRV. If you want DCB/Ragalia with minimum 5 lacs limit then i will suggest to keep atleast 10 lac in balance for a year.
 
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