2 hard enquiries for a single Credit Card in 3 days

[creditcardfetish]

Hello Community,

I have applied for a HDFC credit card and in past 3 days, 2 Hard enquiry of 1000 rupees has been generated.

Is it a normal procedure?
will it be considered as a single product enquiry by credit bureau?
Will it effect my credit score more than how it will effect in a single query?

 

[Dr-green69]

Totally normal. Hdfc is on a mission to Destroy ur cibil report. I applied for regalia and they gave me business Moneyback and hit me with 4 hard enquiries.

 

[creditcardfetish]

Totally normal. Hdfc is on a mission to Destroy ur cibil report. I applied for regalia and they gave me business Moneyback and hit me with 4 hard enquiries.

Does it effect your CIBIL, if yes by how many points?

 

[nadeem]

Hello Community,

I have applied for a HDFC credit card and in past 3 days, 2 Hard enquiry of 1000 rupees has been generated.

Is it a normal procedure?
will it be considered as a single product enquiry by credit bureau?
Will it effect my credit score more than how it will effect in a single query?

same is the case for my kotak application, also i had tried 2-3 times so. But i didn't get what's meant by Hard enquiry of 1000 rupees?

 

[pprakash11]

same is the case for my kotak application, also i had tried 2-3 times so. But i didn't get what's meant by Hard enquiry of 1000 rupees?

Bank do an inquiry to fetch person cibil by entering a value of amount may be set by bank

 

[pprakash11]

Totally normal. Hdfc is on a mission to Destroy ur cibil report. I applied for regalia and they gave me business Moneyback and hit me with 4 hard enquiries.

Were you able to remove those extra inquiries ?

 

[WandereR]

Axis also does 2 inquiries nowadays.

 

[Shrinit Padwal]

Axis also does 2 inquiries nowadays.

Yes for me also these people did 2 enquiries - when asked on mail - they are saying you applied twice as per bank records - Axis is really above RBI and we have to fight a lot for small small reasons

 

[brightknight]

For me too HDFc and Axis did 2 enquiries for a single application. And i raised issue for removal of another enquiry saying it's unjustified basis single application. They obliged and assured me of its removal. The removal will reflect to updated cibil report i hope.

 

[WandereR]

For me too HDFc and Axis did 2 enquiries for a single application. And i raised issue for removal of another enquiry saying it's unjustified basis single application. They obliged and assured me of its removal. The removal will reflect to updated cibil report i hope.

How did you proceed for Axis, can you share?

 

[brightknight]

How did you proceed for Axis, can you share?

i wrote a mail to email[.]services[@]axisbank[.]com and then they asked for a cibil report. After sending it they again asked for proof that i applied only once for which i sent the mail in pdf format of application number i received way back.

 

[Shrinit Padwal]

How did you proceed for Axis, can you share?

Go here https://application.axisbank.co.in/webforms/axis-support/index.aspx and find this. After this select your concern and mail appropriately, attach all necessary documents for proof

 

[srikant]

Don't these enquiries disappear in 6 months? Unless you see another application in the next six months, it should be OK, right?

I think the agencies should probably consolidate enquiries made by one lender for the same category of loans (home, card, vehicle, personal, etc.) in a short span to one enquiry. Of course lenders should also be not be wanton in hard pulls.

 

[brightknight]

Don't these enquiries disappear in 6 months? Unless you see another application in the next six months, it should be OK, right?

I think the agencies should probably consolidate enquiries made by one lender for the same category of loans (home, card, vehicle, personal, etc.) in a short span to one enquiry. Of course lenders should also be not be wanton in hard pulls.

i dont think so, i have enquiry of education loan of 5 year back & of card 3-4 years back.

 

[WandereR]

Don't these enquiries disappear in 6 months? Unless you see another application in the next six months, it should be OK, right?

They don't. I even see an enquiry of amazon pay icici which was 2-3 years back. (I didn't know about credit score back then)

 

[srikant]

OK, but while they may stay on the report, I think they cease to negatively impact your score soon. I'm going by

CIBIL's own page suggests 1 year rather than 6 months.

 

[Card_Crafter]

Axis usually remove the duplicate enquiry if you can give valid reasons. For me two hard enquiries were done in 2 days for Airtel Axis card, upon complaining, they have removed both enquiries.

 

[Shrinit Padwal]

Axis usually remove the duplicate enquiry if you can give valid reasons. For me two hard enquiries were done in 2 days for Airtel Axis card, upon complaining, they have removed both enquiries.

For me too 2 enquiries were done for the Airtel card - did you complain to nodal/pno directly or just customer care resolved it?

 

[Card_Crafter]

For me too 2 enquiries were done for the Airtel card - did you complain to nodal/pno directly or just customer care resolved it?

Directly to PNO. Attach the CIBIL report alongwith.

 

[Tosh]

Title Translation - HDFC what the duck!

I got three enquiries during my DCB debacle