2nd core Credit Card application on HOLD not Declined

[Aakash800]

Background: I already hold a business MoneyBack card from last year which is LTF and has a Limit of 1.88L. My HDFC Account is Savings max with AMB of 2-3L roughly.


Applied for Millenia LTF through agent and got provisionally approved after few days, Today I got this email ( attached )

So technically they didn't declined it right ? What should be my next move ?

Additional information: I applied for Paid Millenia via NetBanking in Feb 23, got it approved and delivered (yes that time I held 2 core HDFC cards) but closed the card because I wanted LTF and didn't want to worry about keeping track of spending 1L.

 

[pradeepG]

Background: I already hold a business MoneyBack card from last year which is LTF and has a Limit of 1.88L. My HDFC Account is Savings max with AMB of 2-3L roughly.


Applied for Millenia LTF through agent and got provisionally approved after few days, Today I got this email ( attached )

So technically they didn't declined it right ? What should be my next move ?

Additional information: I applied for Paid Millenia via NetBanking in Feb 23, got it approved and delivered (yes that time I held 2 core HDFC cards) but closed the card because I wanted LTF and didn't want to worry about keeping track of spending 1L.

May be there is a cooling period of 6 months after closing a card.
May be the previous millennia is still in records and account havnt been totally closed, as i have heard that even after closing the card with hdfc you can request them to reopen that credit account again, they usually reissue the card by activating same card account (with new card number) upon request.

 

[Aakash800]

Aaah ok,I might end up activating that card then

 

[RkrRkr is verified member.]

May be there is a cooling period of 6 months after closing a card.
May be the previous millennia is still in records and account havnt been totally closed, as i have heard that even after closing the card with hdfc you can request them to reopen that credit account again, they usually reissue the card by activating same card account (with new card number) upon request.

Is it true ?
HDFC , Different level bank and Card issuer

 

[0xfallup]

Background: I already hold a business MoneyBack card from last year which is LTF and has a Limit of 1.88L. My HDFC Account is Savings max with AMB of 2-3L roughly.


Applied for Millenia LTF through agent and got provisionally approved after few days, Today I got this email ( attached )

So technically they didn't declined it right ? What should be my next move ?

Additional information: I applied for Paid Millenia via NetBanking in Feb 23, got it approved and delivered (yes that time I held 2 core HDFC cards) but closed the card because I wanted LTF and didn't want to worry about keeping track of spending 1L.

recd the same mail for my IOCL card which is cobranded ...what did you do?

 

[Aakash800]

recd the same mail for my IOCL card which is cobranded ...what did you do?

Sent another email, they just rejected it on my face 🥲

 

[0xfallup]

Sent another email, they just rejected it on my face 🥲

my card delivered today ...what should i do @Wealth is my birth right! @Chaitanya-a @anirban.choudhury activate it or not?

 

[0xfallup]

check ss ...IOCL rupay co-branded card k liye yeh aaya mujhe laga card nhi denge but card aaj deliver hogaya

 

[Chaitanya-a]

check ss ...IOCL rupay co-branded card k liye yeh aaya mujhe laga card nhi denge but card aaj deliver hogaya

Ab deliver hogya h bhai..moj kr 😂 ab koi tnsn ki baat ni h. Dono card work karenge

 

[0xfallup]

Ab deliver hogya h bhai..moj kr 😂 ab koi tnsn ki baat ni h. Dono card work karenge

agar maine activate nhi kiya toh cibil mai account add hoga?

 

[Chaitanya-a]

agar maine activate nhi kiya toh cibil mai account add hoga?

Haan kisi ka hota h kisi ka ni.. bank pe depend krta h

 

[0xfallup]

Haan kisi ka hota h kisi ka ni.. bank pe depend krta h

nhi karta then gmae ...moneyback ko rupay mai convert karta

 

[Chaitanya-a]

nhi karta then gmae ...moneyback ko rupay mai convert karta

Moneyback ka reward rate double h iocl se (for UPI)...wahi kr

 

[0xfallup]

Moneyback ka reward rate double h iocl se (for UPI)...wahi kr

abhi baat hui customer care se woh logo ne already block kardiya hai card already .....aur moneyback rupay mai convert kardiya 🙂

 

[Chaitanya-a]

abhi baat hui customer care se woh logo ne already block kardiya hai card already .....aur moneyback rupay mai convert kardiya 🙂

Itna fast? Gazab
Vse convert hone me time lgega na

 

[0xfallup]

Itna fast? Gazab
Vse convert hone me time lgega na

3 working days 🙂

 

[Wealth is my birth right!]

my card delivered today ...what should i do @Wealth is my birth right! @Chaitanya-a @anirban.choudhury activate it or not?

Rewards wise if u r ok then activate it
Unless u activate in 30 days the card stop functioning and not shown in CIBIL

 

[0xfallup]

Rewards wise if u r ok then activate it
Unless u activate in 30 days the card stop functioning and not shown in CIBIL

its already blocked from their end so no problem now 🙂

 

[federer.reddevil]

Might be issue with LTF ..Yes approach The Grievances desk at Grievance.Redressalcc@hdfcbank.com

Yes, your chances of getting a HDFC core card is high as Shopper stop card is a co brand card. Do highlight that you are seeking a HDFC core card.

Received mail today saying since I already have a card they cant reconsider the request. Very stupid of me to apply for Shoppers Stop card because I required a HDFC card for bank offers

 

[Chaitanya-a]

Received mail today saying since I already have a card they cant reconsider the request. Very stupid of me to apply for Shoppers Stop card because I required a HDFC card for bank offers

HDFC Grievance guys keeps finding reason for rejection. Previously there was nothing as such. They were giving 1 cobranded and 1 core card. Now most applicants are getting this same rejection/on-hold mail. Looks like they've found new template to reject now. Sabko wahi chipka rahe hai.
@VISHESH_BANSAL @pprakash11

 

[VISHESH_BANSAL]

HDFC Grievance guys keeps finding reason for rejection. Previously there was nothing as such. They were giving 1 cobranded and 1 core card. Now most applicants are getting this same rejection/on-hold mail. Looks like they've found new template to reject now. Sabko wahi chipka rahe hai.
@VISHESH_BANSAL @pprakash11

Its good I took decision on right time and applied earlier instead of waiting for infinity.
Mne toh Address m minor change Kiya thha, bass VKYC hui aur Card Generate ho gaya 5-7 days.

Ab toh minor change ko lekar bhi issue create kar rahe hai.

Yeh toh wahi baat hui exam m 100/100 aaa rahe thhe , Teacher find krne lagta hai kha iske 0.5marks deduct karu.

HDFC achha address me ek word new laga raha hai , number Kato iske aur Application hold kardo.

Iss ch***ypa se achha Internal Policy daal ke reject karde.

Card dena bhi hai par nhi bhi dena.
Khud hi confuse hai HDFC