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

 

[aries]

Hey
Please share the link of this application page

Have been trying to find link for pre approved card, but no success

Here it is: https://applyonline.hdfcbank.com/ca...CQ-UNCONDITIONALLTF&utm_creative=LIAB_LTF#nbb

The email one is same as well only has EMAIL instead of WHATSAPP in the url

 

[aries]

@SSV do you know any tricks to increase the credit limit in pre-approved HDFC cards? I'm talking about improving CL before getting the card. I am not in a hurry and my target is to have at least 1.5 L limit so I can get Neu infinity. So was wondering if I could do something to prompt HDFC to improve CL offer

 

[SSV]

@SSV do you know any tricks to increase the credit limit in pre-approved HDFC cards? I'm talking about improving CL before getting the card. I am not in a hurry and my target is to have at least 1.5 L limit so I can get Neu infinity. So was wondering if I could do something to prompt HDFC to improve CL offer

Having increased balance in the relationship such as SB balance, FD and RD balances, DC EMI in electronic items purchase etc .
Bill pay paments using HDFC DC, opting for Smart pay ( ie auto bill payment), paying other CC bills using HDFC DC.

 

[PRIYANSHU_]

Okay then proceed with the other option. ie. change occupation in the profile .. all the best

Changed his profession, after how many days/months he will get new offer

 

[SSV]

Changed his profession, after how many days/months he will get new offer

3M to 6M

 

[SplendorSuperman]

I had greatest hdfc cc lord mb+ which I closed in January.
6 months passed and no cc offers yet.

Getting 2W Loan , DC EMI , Flexi Emi offers.

I have preferred account and have been maintaining Savings balance near to Imperia’s eligibility criteria and also have a RD and FD.

Suggestions.

CIBIL 802

 

[Everybody]

I had greatest hdfc cc lord mb+ which I closed in January.
6 months passed and no cc offers yet.

Getting 2W Loan , DC EMI , Flexi Emi offers.

I have preferred account and have been maintaining Savings balance near to Imperia’s eligibility criteria and also have a RD and FD.

Suggestions.

CIBIL 802View attachment 65221

Traveling in a same boat ( on behalf of family member).

Heard somewhere it takes 1 year for getting pre approved again after closing the card! Not sure how much true it is.

 

[SplendorSuperman]

Traveling in a same boat ( on behalf of family member).

Heard somewhere it takes 1 year for getting pre approved again after closing the card! Not sure how much true it is.

Most thick skinned bank

 

[aries]

I had greatest hdfc cc lord mb+ which I closed in January.
6 months passed and no cc offers yet.

Getting 2W Loan , DC EMI , Flexi Emi offers.

I have preferred account and have been maintaining Savings balance near to Imperia’s eligibility criteria and also have a RD and FD.

Suggestions.

CIBIL 802View attachment 65221

Wait and watch. When that offer starts hitting, they will spam the life out of you

 

[Apessurvivor]

No pre-approved offer from last 7-8 months after closing Swiggy cc and maintaining 1lakh+ in saving max with classic relationship
Cibil 780
Inquiries-6

 

[vine]

you just enter whatever you want .. it will be approved without any docs

One of my relatives had a salary account with HDFC, after she stopped working it got converted to normal savings account. I had it converted to savings max to avoid DC fees.
She is now not earning anything and has 2L balance in SB.
Any chance for an unsecured credit card. Obviously she can't provide any income proofs or salary slips.

 

[SSV]

One of my relatives had a salary account with HDFC, after she stopped working it got converted to normal savings account. I had it converted to savings max to avoid DC fees.
She is now not earning anything and has 2L balance in SB.
Any chance for an unsecured credit card. Obviously she can't provide any income proofs or salary slips.

Yes, she will.. just keep doing the activities I mentioned in my previous posts

 

[SonyTom]

1. Wait for 4 months from the date of closure email from hdfc.
2. Maintain as much balance in savings / FD (I kept 5 lakhs in FD and few thousands in savings account- savings max, not salary account)
2. From the netbanking portal (after logging in), apply for hdfc credit card once (even if you don’t have any offer). They will show paid cards. Dont take it. Close the window.

Most probably you will get a LTF Credit Card offer in email in a few days provided your cibil is good.

All the best and do update if things work out or even if it doesn’t.

 

[Everybody]

1. Wait for 4 months of the date of closure email from hdfc.
2. Maintain as much balance in savings / FD (I kept 5 lakhs in FD and few thousands in savings account- savings max, not salary account)
2. From the netbanking portal (after logging in), apply for hdfc credit card once (even if you don’t have any offer). They will show paid cards. Dont take it. Close the window.

Most probably you will get a LTF Credit Card offer in email in a few days provided your cibil is good.

All the best and do update if things work out or even if it doesn’t.

But won't it trigger an enquiry and restrict to apply for 3 months or so? Be careful there!

 

[SonyTom]

But won't it trigger an enquiry and restrict to apply for 3 months or so? Be careful there!

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.

 

[mrchetan04]

See I provided, my mob, dob and OTP and got this screen.. means I dont have any Pre-approved offer...

View attachment 53525

I also got the same offer but after opening the link it is showing me three card options but LTF and Amazon voucher is showing only on two, whether third one is also pre- approved or not ?

 

[SSV]

I also got the same offer but after opening the link it is showing me three card options but LTF and Amazon voucher is showing only on two, whether third one is also pre- approved or not ?

Yes, the third one is also pre approved…
It helps us if you can share SS in advising you

 

[mrchetan04]

Yes, the third one is also pre approved…
It helps us if you can share SS in advising you

One more Query - should i opt for a co branded card as my first ever credit card ?

 

[vine]

One more Query - should i opt for a co branded card as my first ever credit card ?

Avoid co-branded cards if it's your first card.
HDFC Bank is weird like that.

 

[SSV]

One more Query - should i opt for a co branded card as my first ever credit card ?

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..