A new term courtesy of HDFC: "Pre-eligible"

[aries]

HDFC Whatsapped me this message today. I have heard of pre-approved and pre-qualified before, but pre-eligible is something new for me. What does it mean? Is it same as as pre-approved?

The link takes me here: https://applyonline.hdfcbank.com/ca...aign=CC-ACQ-FRESH&utm_creative=Fresh_Gen1#nbb

 

[mrchetan04]

No.. Dont take co-branded card first..

Wait for some more time, if you can. .. you will get better cards in another 6 months or so..

If I opt for hdfc swiggy card, would it make hard to get other bank credit cards also like sbi, Axis

 

[MavericK279]

If I opt for hdfc swiggy card, would it make hard to get other bank credit cards also like sbi, Axis

No it wont, but with HDFC it will be hard

 

[SSV]

If I opt for hdfc swiggy card, would it make hard to get other bank credit cards also like sbi, Axis

HDFC Swiggy card have no influence sepcifically on other banks' cards decision unless your overall profile doesn't match with the respctive banks' criteria.

 

[Everybody]

No. I am saying from personal experience.

There will be a cibil hit. But don’t get too concerned about that. Nothing will happen to your credit score.

You are right. Tried what you said.

Somehow coincidentally got pre approved offer. It could be month end targets too.

Now time to ignore offer

 

[SonyTom]

You are right. Tried what you said.

Somehow coincidentally got pre approved offer. It could be month end targets too.

Now time to ignore offer

Good to hear that my strategy worked

By the way which card did you close and which card are you getting pre-approved

 

[Everybody]

Good to hear that my strategy worked

By the way which card did you close and which card are you getting pre-approved

Closed card was Indian oil , now they are giving money-back. Weird bank

 

[SonyTom]

Closed card was Indian oil , now they are giving money-back. Weird bank

Oh no

 

[Everybody]

Oh no

Ignoring time started , Anyways I choose the offer they don't get to decide what to take.

 

[SonyTom]

Ignoring time started , Anyways I choose the offer they don't get to decide what to take.

I gues you are waiting for Millennia LTF

 

[Everybody]

I gues you are waiting for Millennia LTF

 

[mrchetan04]

HDFC Swiggy card have no influence sepcifically on other banks' cards decision unless your overall profile doesn't match with the respctive banks' criteria.

I applied for Freedom card (pre approved) but they rejected it within minutes

What could be the reason?
-Age 20 ?
-Student digisave youth account ?
- Onecard activated on another no. With same PAN ?

 

[Riya Sharma]

I applied for Freedom card (pre approved) but they rejected it within minutes

What could be the reason?
-Age 20 ?
-Student digisave youth account ?
- Onecard activated on another no. With same PAN ?

The first two points are definitely not the reason since I had a HDFC card at 18 and account type does not matter for card application. Why not send a mail to PNO, as it could be the last point which got you denied.

 

[mrchetan04]

The first two points are definitely not the reason since I had a HDFC card at 18 and account type does not matter for card application. Why not send a mail to PNO, as it could be the last point which got you denied.

Ok thanks for your input, could you help me by providing PNO mail ?

 

[Riya Sharma]

Ok thanks for your input, could you help me by providing PNO mail ?

pnohdfcbank@hdfcbank.com (3 words)

 

[Apessurvivor]

And also please check the tagged link in my previous post, it has more things to do

@SSV Got the preapproved ltf offer and they are giving 1500+500 Gv but they are offering only Biz cards but i changed my profile to salaried already.

 

[SSV]

@SSV Got the preapproved ltf offer and they are giving 1500+500 Gv but they are offering only Biz cards but i changed my profile to salaried already.

It seems you need to wait for some more time to kick in your new profile..
How long ago you changed your profile from Slef employed to Salaried?

 

[Apessurvivor]

It seems you need to wait for some more time to kick in your new profile..
How long ago you changed your profile from Slef employed to Salaried?

Around January..
Just one more question if i take biz card will it be upgraded to millennia/regalia/Dcb?

 

[SSV]

Around January..
Just one more question if i take biz card will it be upgraded to millennia/regalia/Dcb?

If it is January, it should have been accounted for already.. generally in maximum of 6 months it will kick in...

No, if will be difficult to get RG/ DCB from Biz cards.. but I read few times some got Millenia from Biz cards , but it is a rarity..

 

[Apessurvivor]

If it is January, it should have been accounted for already.. generally in maximum of 6 months it will kick in...

No, if will be difficult to get RG/ DCB from Biz cards.. but I read few times some got Millenia from Biz cards , but it is a rarity..

Should i update it again to salaried?

Okay so I will not take the biz card!

 

[SSV]

Should i update it again to salaried?

Okay so I will not take the biz card!

Yes , please update it to Salaried again by making some modification to the exisitng data.. I feel somehow it didn't trigger an update in the data last time..

all the best