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Any chance to get a pre-approved DCB Metal as first unsecured card?

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LiamHouse

TF Premier
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
 
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Riya Sharma said:
that's actually crazy tbh. A cheque of 20 lakhs isn't even that much
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Well I've seen his Infinia myself ,

The guy has crazy contacts due to the amount of business he gives to HDFC ,he has personal contacts of HDFC Head of Investments and Insurance Mumbai Circle ,had couple of meetings with him as well,
But all this was after he got the card
 
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Swastik said:
Well I've seen his Infinia myself ,

The guy has crazy contacts due to the amount of business he gives to HDFC ,he has personal contacts of HDFC Head of Investments and Insurance Mumbai Circle ,had couple of meetings with him as well,
But all this was after he got the card
Click to expand...
that's cool. Why hasn't he helped you out though? This is the least I would expect from a friend.
 
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Swastik said:
Well I've seen his Infinia myself ,

The guy has crazy contacts due to the amount of business he gives to HDFC ,he has personal contacts of HDFC Head of Investments and Insurance Mumbai Circle ,had couple of meetings with him as well,
But all this was after he got the card
Click to expand...
Okay, then you are already saying that it is a highly exceptional case..
Not happens on a regular basis
 
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Riya Sharma said:
that's cool. Why hasn't he helped you out though? This is the least I would expect from a friend.
Click to expand...
3 months ago i was complaining on this forum about being stuck with a 2 year old Millennia and a year old Tata Neu Plus with sad shared limit 1.16 Lakh ,both LTF though

Now I've a DCB PVC LTF and a Tata Neu Infinity LTF with 5L limit ,

Just because he mentioned my predicament to the HDFC Investments and Insurance Head at a meeting in Mumbai,
All i had to do is send him a filled copy of upgrade form from HDFC website and recent statement of my Magnus with 5L limit
 
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Swastik said:
3 months ago i was complaining on this forum about being stuck with a 2 year old Millennia and a year old Tata Neu Plus with sad shared limit 1.16 Lakh ,both LTF though

Now I've a DCB PVC LTF and a Tata Neu Infinity LTF with 5L limit ,

Just because he mentioned my predicament to the HDFC Investments and Insurance Head at a meeting in Mumbai,
All i had to do is send him a filled copy of upgrade form from HDFC website and recent statement of my Magnus with 5L limit
Click to expand...
nice to see.
 
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Alex292929 said:
I maintained 5L for 6 months and got Paid Reg Gold - 5L limit in 5-6 Months. I don’t exactly remember but I was also being offered DCB but I didn’t take it cause I wanted Master/Visa
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Can you tell me your entire TRV (or family if you were in family banking) as well as how much you were transacting and your credit profile at the time of DCB pre-approval? I opened a DigiYouth account stating I am a student, but I changed the occupation to salaried 15-25L and plan to upgrade to Preferred and Speciale. I had the same idea as to maintaining over 5-6L for a few months and moving all my spends through this account to get DCB and if it's even possible, with 8L limit so I can work towards Infinia if I ever need to because I sure as shit won't be getting LEs later on lol.
 
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LiamHouse said:
Hello,

I wanted to know if it's possible to get a pre-approved DCB as a first unsecured CC. Currently have a CIBIL of 792 with 40k limit (10k OneCard and 30k IDFC wow, both FD backed) and about 2 years of credit age. I do not currently have a job or file an ITR so that route is out. I have a DigiYouth HDFC savings account that I opened about a month ago with 6k deposit, I am planning to deposit about 6-7L in this account and upgrade it to Speciale Gold (as well as Preferred Banking) and spend about 40-50k a month from this savings account for the next two or three quarters.

Is there any chance of a DCB Metal being offered in a few months' time instead of the top tier Moneyback+ or Millenia with piss poor limits? A 5L limit Regalia Gold will be fine as well as I can easily meet the spends requirements for the DCB upgrade. If you guys have any other idea on how I could get a DCB from where I stand that would also be appreciated.
Click to expand...
Only way to get is
Take 50l loan of auto etc
Open imperia account on loan sanction
Keep paying loan for 6 months and automatically you get top cards under pre approved with the monthly you paid
For example if you get an offer on 4th month but paying emi of 1l so it's 1lx4 you get limit of 4l plus dcb (max limit is 10l not more than that possible if left to increase limit)

Pay for 9 months you will get offer definitely (ensure imperia status is maintained once the loan amount of in 50l 8l is cleared the cleared amount as your cc limit will be given with a card. The above is an example which works but lower amount I don't know (offers are given automatically by system fed data so what data given same is auto followed

Enjoy.

Either way need itr in autoloan (at one point need itr no option)
 
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LiamHouse said:
Can you tell me your entire TRV (or family if you were in family banking) as well as how much you were transacting and your credit profile at the time of DCB pre-approval? I opened a DigiYouth account stating I am a student, but I changed the occupation to salaried 15-25L and plan to upgrade to Preferred and Speciale. I had the same idea as to maintaining over 5-6L for a few months and moving all my spends through this account to get DCB and if it's even possible, with 8L limit so I can work towards Infinia if I ever need to because I sure as shit won't be getting LEs later on lol.
Click to expand...
I just maintained 5L - 6L, No FDs, No Family Banking, No other relation.
I used to use my DC to pay for my other CC bills (30-50k a month)
If possible try to get your base account changed from DigiYouth to Sav Max Ac (25k MAB) and then get it upgraded to preferred.
Just to add I was offered Reg Gold, DCP, DCB(Not the metal one cause it was not launched that time).
You will start getting preaproveed offers within 1-2 Months, For me It started with moneyback 50K then millennia 1.25L, then millenia 3L limit, then one day I got 5L limit Reg Gold.
Also my RM is useless, she insisted me to take millennia, but TF community saved me.
Don’t settle for less. Take what you want.
 
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