Accidentally applied for Tata Neu Infinity despite having pre-approved offers for Millenia and DCP

[Pissant]

A week back I applied for Tata Neu Infinity in desperation thinking I had no other offers. But, when I took a look in Xpressway later I found out that I had pre-approved offers for Millenia/DCP/IndianOil card that I completely forgot to notice. I wrote an email to PNO and today I got a reply, it is as the following:

This is with reference to your e-mail dated December 19, 2024 regarding your HDFC Bank credit card application xxx.



We wish to inform you that your application has been considered in line with the Bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes ( which include a combination of verifications, credit bureau reports and document verifications).



We wish to inform you that you have selected TATA Neu Infinity credit card instead of Millennia card. Also, we observe that incorrect occupation detail mentioned in your application hence we request you to visit nearest branch and submit fresh physical application for Millennia credit card. We seek your kind understanding in this regard.



Please feel free to write to us at: customerservices.cards@hdfcbank.com for further assistance / clarifications that you may require in this regard.\


So all I have to do is visit the Branch and show them my Xpressway page and tell them to apply for me right? Any other suggestions?

And if all goes well, should I take Millenia or Diners Club Privilege if my main goal is to get an upgrade to Diners Club Black and Infinia?

 

[Pissant]

@D₹V
@HumorSimpson
@SSV
@desiviru
@Vasuki
@cardio_guy

 

[Vasuki]

A week back I applied for Tata Neu Infinity in desperation thinking I had no other offers. But, when I took a look in Xpressway later I found out that I had pre-approved offers for Millenia/DCP/IndianOil card that I completely forgot to notice. I wrote an email to PNO and today I got a reply, it is as the following:

This is with reference to your e-mail dated December 19, 2024 regarding your HDFC Bank credit card application xxx.



We wish to inform you that your application has been considered in line with the Bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes ( which include a combination of verifications, credit bureau reports and document verifications).



We wish to inform you that you have selected TATA Neu Infinity credit card instead of Millennia card. Also, we observe that incorrect occupation detail mentioned in your application hence we request you to visit nearest branch and submit fresh physical application for Millennia credit card. We seek your kind understanding in this regard.



Please feel free to write to us at: customerservices.cards@hdfcbank.com for further assistance / clarifications that you may require in this regard.\


So all I have to do is visit the Branch and show them my Xpressway page and tell them to apply for me right? Any other suggestions?

And if all goes well, should I take Millenia or Diners Club Privilege if my main goal is to get an upgrade to Diners Club Black and Infinia?

Don't apply anything 0-3 month
Everything will be rejected unless someone manually bless you
3-6 month look for pre approved offer

 

[6ix9ine]

A week back I applied for Tata Neu Infinity in desperation thinking I had no other offers. But, when I took a look in Xpressway later I found out that I had pre-approved offers for Millenia/DCP/IndianOil card that I completely forgot to notice. I wrote an email to PNO and today I got a reply, it is as the following:

This is with reference to your e-mail dated December 19, 2024 regarding your HDFC Bank credit card application xxx.



We wish to inform you that your application has been considered in line with the Bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes ( which include a combination of verifications, credit bureau reports and document verifications).



We wish to inform you that you have selected TATA Neu Infinity credit card instead of Millennia card. Also, we observe that incorrect occupation detail mentioned in your application hence we request you to visit nearest branch and submit fresh physical application for Millennia credit card. We seek your kind understanding in this regard.



Please feel free to write to us at: customerservices.cards@hdfcbank.com for further assistance / clarifications that you may require in this regard.\


So all I have to do is visit the Branch and show them my Xpressway page and tell them to apply for me right? Any other suggestions?

And if all goes well, should I take Millenia or Diners Club Privilege if my main goal is to get an upgrade to Diners Club Black and Infinia?

If you apply now, it will be rejected. You've already ruined it, and now every application will just hit your CIBIL score, nothing else.

As for your bold query, go ahead with DCP.

 

[HumorSimpson]

@D₹V
@HumorSimpson
@SSV
@desiviru
@Vasuki
@cardio_guy

HDFC apke liye bana santa 🎅
Aapne usko diya ghanta 🔔

Apka man haar nahi manta 😭
Kya kare hum aam janta 😕

 

[Pissant]

If you apply now, it will be rejected. You've already ruined it, and now every application will just hit your CIBIL score, nothing else.

As for your bold query, go ahead with DCP.

really? Because Millenia and DCP are still showing up as pre-approved in myxpress

 

[6ix9ine]

HDFC apke liye bana santa 🎅
Aapne usko diya ghanta 🔔

Apka man haar nahi manta 😭
Kya kare hum aam janta 😕

 

[Vasuki]

really? Because Millenia and DCP are still showing up as pre-approved in myxpress

Try it and come back after another cibil hit 😅

 

[Pissant]

Try it and come back after another cibil hit 😅

It doesn't let me apply because of the recent application

 

[Pissant]

I guess I'll go to my branch tomorrow and see what they say

 

[6ix9ine]

really? Because Millenia and DCP are still showing up as pre-approved in myxpress

You won't be able to apply. It will show that you already have a pending application.

Either ask PNO or L1/L2 support to cancel your current application.

Then you can try again. The worst that can happen is another CIBIL hit.

 

[surojitlaha]

You messed up bro 🥲.

 

[Pissant]

You won't be able to apply. It will show that you already have a pending application.

Either ask PNO or L1/L2 support to cancel your current application.

Then you can try again. The worst that can happen is another CIBIL hit.

ok replied to grievance once again asking to be approved since I already meet the criteria. And if not asked to clarify whether I will be able to apply when I have ongoing application and to cancel if that were the case.

 

[6ix9ine]

Btw, your TNI will not be approved either?

I'm curious, if you hadn't messaged PNO regarding your query, you wouldn't know the reason, would you?

 

[Pissant]

Btw, your TNI will not be approved either?

I'm curious, if you hadn't messaged PNO regarding your query, you wouldn't know the reason, would you?

When I go to track it, upon entering DOB it says 'under process' but when entering reference number, says., 'declined'. I think it is declined due to the work thing.

 

[aniplox]

So somehow no one is getting millenia even though it is pre approved this season 🙂

 

[surojitlaha]

When I go to track it, upon entering DOB it says 'under process' but when entering reference number, says., 'declined'. I think it is declined due to the work thing.

Both application number same?

 

[Pissant]

Both application number same?

Wait a second, just realized. Both application numbers are different.

 

[aniplox]

Don't apply anything 0-3 month
Everything will be rejected unless someone manually bless you
3-6 month look for pre approved offer

I thought it was 6 months for hdfc.

 

[Pissant]

Wrote another email asking them to clarify about the two applications.