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Infinia Applying infinia via RM. What precautions should I take?

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tachniki

tachniki

TF Premier
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Hi,

I plan to apply Infinia credit card via RM.

I don't have very good past with HDFC. They have rejected my applications for credit cards tons of times. First Tata Neu Infinity in late 2022 and early 2023. Finally, I got that through their Tata IPL leaque play. Then they kept rejecting my swiggy card. Now they seem to have permanently blocked me. 🙂 Getting following banner for about 3 months.


1724602784371.webp

Only recently (after opening preferred account with them), I realized that I had emv signature credit card (yes that was the name of credit card in 2012). I had asked them to close that in 2014. But looks like they have left it as dormant. There was no due on it.

Now, what precautions should I take while applying through RM, so that application is not rejected. I don't want to wait for pre-approved offer to come as I have some good expenses coming up. If this doesn't work, I will look for premium card from another bank. Duh.

I easily fulfil salary criteria. But I don't think that matters as much. Cibil is 800+. Experian 816. Three cibil hits in last three months (including one from HDFC).
 
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tachniki said:
RM Called just now. Told that system is not allowing them due to existing neu infinity card, inspite of them trying. I told I will not close the card. He said he will check if any higher up approval can be taken. No discussion of ULIPs still.
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If your first card from Hdfc is co-branded then it's very difficult to get premium core card.
better close it.
 
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fageriaji said:
If your first card from Hdfc is co-branded then it's very difficult to get premium core card.
better close it.
Click to expand...
I understand that. But I want to push it to limit and see if they will bend rule. RM will update me by Tuesday or Wednesday. I will give time till Friday and decide.

It is kind of stupid that I close this card, get Infinia and apply this again after that.
 
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tachniki said:
I understand that. But I want to push it to limit and see if they will bend rule. RM will update me by Tuesday or Wednesday. I will give time till Friday and decide.

It is kind of stupid that I close this card, get Infinia and apply this again after that.
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Called RM. And talked to Branch manager also. Still waiting for approval. RM mentioned that system is not let them process due to existing card. Huh.
 
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tachniki said:
Finally showing approve on online tracking. Yay
Click to expand...
Finally, got Infinia.

In summary,
* Had a co-branded card for over a year. Continued to keep it.
* Had preferred saving account for about 3 months.
* Was not asked to take ULIP. Not judging it is bad or good.
* Took little more than a month to get.
* I didn't try LTF / FYF. As effective fees will be less than 3k (even after discounting rewards points for regular cashback cards)

Thanks RM.
 
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Drawback of applying infinia through imperia RM. 3 months back upgraded account to imperia and got rm, then he helped to get infinia, no deviation was required as my itr was more than required.
Now both rm and bm are behind me to start wealth management(10L/yr for 5 year. 20% debt 80% equity, made some fancy excel sheet didn't understand a thing what they were saying, fixed return from debt will put in equity every year, it wasn't ulip or other life insurance), term insurance with them😅, ..( not as persistent as rbl rm, he recently left rbl to icici, never been so much happy 😅)
 

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salisburry44 said:
Drawback of applying infinia through imperia RM. 3 months back upgraded account to imperia and got rm, then he helped to get infinia, no deviation was required as my itr was more than required.
Now both rm and bm are behind me to start wealth management(10L/yr for 5 year. 20% debt 80% equity, made some fancy excel sheet didn't understand a thing what they were saying, fixed return from debt will put in equity every year, it wasn't ulip or other life insurance), term insurance with them😅, ..( not as persistent as rbl rm, he recently left rbl to icici, never been so much happy 😅)
Click to expand...
The same spreadsheet is in different formats with every RM when they come pitching for the ULIP.
My banker would keep visiting my home for delivering cheque book, card in the name of home banking and then keep pitching ULIP everytime.

I had to tell him finally that I don't need any home banking, just deliver things using normal courier.
 
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tachniki said:
Finally, got Infinia.

In summary,
* Had a co-branded card for over a year. Continued to keep it.
* Had preferred saving account for about 3 months.
* Was not asked to take ULIP. Not judging it is bad or good.
* Took little more than a month to get.
* I didn't try LTF / FYF. As effective fees will be less than 3k (even after discounting rewards points for regular cashback cards)

Thanks RM.
Click to expand...
Have a regalia first and a marriot bonvoy from hdfc. CTC- 31+.
Current credit limit - 10.32 L.
Have been with hdfc for over 7 years now. Salary gets credited into the account.
Any idea of chances of getting Infinia. About to apply for Swiggy, but will put that on hold for this. If I am able to get Infinia.
 
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i just got call from rm, during infinia approval process my rm had said he got query from cc department that they need 3l fd to give me higher limit on cc so i had made it that time, now recently i broke it so got call now from rm saying that he got mail from cc team that fd is broken, rm was saying should have broken in part, should have kept 1L, should have closed after 4 months, was asking now to make fd of 1L so as he can reply to cc department mail or else credit limit will reduce. I said cant do that require those funds... (Also asked to do term plan as usual😅)
How true this must be??? @SSV
 
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Umang85 said:
Have a regalia first and a marriot bonvoy from hdfc. CTC- 31+.
Current credit limit - 10.32 L.
Have been with hdfc for over 7 years now. Salary gets credited into the account.
Any idea of chances of getting Infinia. About to apply for Swiggy, but will put that on hold for this. If I am able to get Infinia.
Click to expand...
From what I read on this forum, you may be able to get based on spend of about 8 L in 6 months.
 
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salisburry44 said:
Drawback of applying infinia through imperia RM. 3 months back upgraded account to imperia and got rm, then he helped to get infinia, no deviation was required as my itr was more than required.
Now both rm and bm are behind me to start wealth management(10L/yr for 5 year. 20% debt 80% equity, made some fancy excel sheet didn't understand a thing what they were saying, fixed return from debt will put in equity every year, it wasn't ulip or other life insurance), term insurance with them😅, ..( not as persistent as rbl rm, he recently left rbl to icici, never been so much happy 😅)
Click to expand...
Next time tell your RM that you have Gamophobia / Commitment phobia. So, you cannot commit to anything which has lock in or you can't break relationship next day. 😛
 
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