Best way to Apply for a new HDFC CC

[qkDre]

So recently have been getting lots pre approved co- branded card offer from HDFC bank, none of them interest me. So am planning to apply for regalia/DCB. I tried to check pre approved offer on the website and got option for Indian oil/ moneyback cards.
What are my options, so that card doesn't get declined have Axis- Reserve/Magnus for c2c application as well.

 

[Tejo]

So recently have been getting lots pre approved co- branded card offer from HDFC bank, none of them interest me. So am planning to apply for regalia/DCB. I tried to check pre approved offer on the website and got option for Indian oil/ moneyback cards.
What are my options, so that card doesn't get declined have Axis- Reserve/Magnus for c2c application as well.

Apply dcb on c2c.

If you hdfc ac, apply through RM or Send Docs to hdfc legendry Chennai office.

 

[D₹V]

Apply dcb on c2c.

If you hdfc ac, apply through RM or Send Docs to hdfc legendry Chennai office.

Or wait 6 months more to get new pre approved offer

 

[Pgoel06]

So recently have been getting lots pre approved co- branded card offer from HDFC bank, none of them interest me. So am planning to apply for regalia/DCB. I tried to check pre approved offer on the website and got option for Indian oil/ moneyback cards.
What are my options, so that card doesn't get declined have Axis- Reserve/Magnus for c2c application as well.

If we try to check pre-approved offers, will their cibil hit ?

 

[SSV]

If we try to check pre-approved offers, will their cibil hit ?

Read this and post any doubts there.

Thread 'HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded( I think)...' https://www.technofino.in/community...offer-cibil-hit-or-not-decoded-i-think.14680/

 

[SSV]

If we try to check pre-approved offers, will their cibil hit ?

Sorry, gave you wrong thread before..
Updated my post with right thread now

 

[prashu]

Apply dcb on c2c.

If you hdfc ac, apply through RM or Send Docs to hdfc legendry Chennai office.

How to do i know my RM ?

 

[qkDre]

If we try to check pre-approved offers, will their cibil hit ?

Yes they do run a soft enquiry, to validate PAN and your info

 

[qkDre]

Or wait 6 months more to get new pre approved

I will go offline route.

 

[D₹V]

I will go offline route.

Yes, that's also an option 😜

 

[prashu]

I called customer and asked for LE or Upgade the cards or else cancel the cards. They asked me to send to docs to chennai , but resisted to do and asked LE on c2c basis.She explained the procedure to card closure and raised closure request from their end.
I don't understand why they didn't try to retain me , i am having salary acc in hdfc from 2yrs. 😕

Edit She asked me to pay the remaining due and disabled all three cards. I want to redeem the reward points which i have , how can i enable them?

 

[SSV]

I don't understand why they didn't try to retain me , i am having salary acc in hdfc from 2yrs.

This is called arrogance being No1..

 

[prashu]

This is called arrogance being No1..

I won't pay the pending amount, if i get call from them i will also ask to close my HDFC salary account permanently. Is this a good idea ?

 

[Tejo]

I won't pay the pending amount, if i get call from them i will also ask to close my HDFC salary account permanently. Is this a good idea ?

💯

First close cc then close salary account.

 

[SSV]

I won't pay the pending amount,

If you don't pay the pending amount, your CIBIL will be effected very very badly.. Not a good idea at all.
Pay all the dues and close the card..
and later talk to Rm/ BM and ask them to close the SB account and demand them to get the card you want if they want you to be with them..

 

[Tejo]

I won't pay the pending amount, if i get call from them i will also ask to close my HDFC salary account permanently. Is this a good idea ?

Your cc won't be closed, until you pay negative outstanding balance 😆

 

[prashu]

If you don't pay the pending amount, your CIBIL will be effected very very badly.. Not a good idea at all.
Pay all the dues and close the card..
and later talk to Rm/ BM and ask them to close the SB account and demand them to get the card you want if they want you to be with them..

No. I have a loan amount towards cc, she raised preclosue request and disabled cards. If I don't pay the loan the card will not be closed right?

 

[prashu]

Your cc won't be closed, until you pay negative outstanding balance 😆

But the cards are disabled, is there any to enable again ?

 

[prashu]

After paying all dues , Is there any chance , do they call me again and ask me to takeback closure request by giving cc upgrade ?

 

[SSV]

No. I have a loan amount towards cc, she raised preclosue request and disabled cards. If I don't pay the loan the card will not be closed right?

Ask CC and RM/BM... their info is more reliable..