BizBlack floater card rejected

[DevilDog]

Hey all,
I already have an Infinia card and was exploring to get the BizBlack floater card because of its benefits for GST and tax payments.
I contacted my RM and he put in touch with the card agent who swiftly collected the documents. After 4 days the application showed declined status.
When i enquired he said that since i am a director in a pvt. Ltd. Company there were issues. But i informed that i own the company and majority shares of the company.
Was informed that some other forms are required however no feedback yet.
What do you guys this is it possible to get ?

 

[vikramsrit]

Hi, can you please share how you got the Infinia approved in DM?

We have our company’s account with HDFC. I’m the one who is the signing authority. Literally arm-twisted them 😊

 

[NOOB_ui]

We have our company’s account with HDFC. I’m the one who is the signing authority. Literally arm-twisted them 😊

Is your ITR close to what is required? I am NTB Imperia customer and planning to give a lot of business to them....wanted to know if demat holdings or something else can be used to negotiate with them

 

[sparkit]

I also applied this week for Bizblack as a floater to DCB and as a Director for my company. I only got a verification call till now with cibil and experian hits yesterday and the standard hdfc message that approved in principle pending internal checks. Did you get the same message too and then declined?

Is there any physical verification after this?
I am in same position. Got approved in principle pending internal check message followed by Cibil and equifax hits SMS yesterday.

 

[elite34700]

BizBlack is a core card from HDFC. Since you already have Infinia, it is very unlikely that they will provide you with another core card.

Possible. I got mine approved.

 

[SwipeSavvy]

Is there any physical verification after this?
I am in same position. Got approved in principle pending internal check message followed by Cibil and equifax hits SMS yesterday.

Agent said there will be. But it didn't happen.

 

[sparkit]

Agent said there will be. But it didn't happen.

It's strange now for me, there is two times cibil check one on Saturday. One today. Don't know what's going on.

 

[pradeepG]

It's strange now for me, there is two times cibil check one on Saturday. One today. Don't know what's going on.

they usually do twice... dont know why, mail to nodal to remove one... mail after activating card...

 

[elite34700]

they usually do twice... dont know why, mail to nodal to remove one... mail after activating card...

Yeah even I see two enquiries, will have one suppressed. 👍

 

[SSV]

It's strange now for me, there is two times cibil check one on Saturday. One today. Don't know what's going on.

Means, two different teams are looking at the application as part of the process.. I guess.
hence two Hits..

 

[faltooAdmi]

This floater bizBlack to DCB/Infinia will be paid or free ?

 

[sparkit]

Means, two different teams are looking at the application as part of the process.. I guess.
hence two Hits..

Can we mail to pno to remove one after card delivery?

 

[SSV]

Can we mail to pno to remove one after card delivery?

I think so..
but if your credit history is more than 5 years old .. dont worry too much about no of enquiries..

Have a look at how CIBIL works here in my recent thread..
It explains everything about CIBIL.
There is too much unnecessary emphasis on no of enquiries..

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 563
• Forum: Informative Threads

• 
• 
• 

 

[Dragon_slayer]

We have our company’s account with HDFC. I’m the one who is the signing authority. Literally arm-twisted them 😊

Can you please check your RM if they can offer BizBlack for salaried persons? I can do FD if required

 

[elite34700]

This floater bizBlack to DCB/Infinia will be paid or free ?

It is usually paid.

 

[vikramsrit]

Can you please check your RM if they can offer BizBlack for salaried persons? I can do FD if required

Checked, he says they cannot. It is a business card and can be offered either to a person owning the business or in the name of the company provided it has ITR returns in the last 2 years.

 

[vikramsrit]

This is what I did a couple of weeks back -
I hold an Infinia and my RM after checking with the product team informed me that BizBlack cannot be offered to me as a floater card. While I am salaried, I also own a company (very small though). I emailed to grievance redressal team of HDFC telling them that BizBlack is of utility to me and while I have Infinia it still makes a lot of sense and I would like to have it as a floater card. The Chennai team reached out to my local branch to get my application and get the documents signed. Yesterday, I received a message saying that my card is provisionally approved subject to internal checks (I don't think it fails from here).
So Yes, BizBlack can still be procured as a floater card if you manage or own a business.

 

[vikramsrit]

This is what I did a couple of weeks back -
I hold an Infinia and my RM after checking with the product team informed me that BizBlack cannot be offered to me as a floater card. While I am salaried, I also own a company (very small though). I emailed to grievance redressal team of HDFC telling them that BizBlack is of utility to me and while I have Infinia it still makes a lot of sense and I would like to have it as a floater card. The Chennai team reached out to my local branch to get my application and get the documents signed. Yesterday, I received a message saying that my card is provisionally approved subject to internal checks (I don't think it fails from here).
So Yes, BizBlack can still be procured as a floater card if you manage or own a business.

UPDATE: I received my BizBlack floater card today. Once I wrote the e-mail to grievances redressal team, it was pretty smooth and fast tracked.

 

[SM24]

UPDATE: I received my BizBlack floater card today. Once I wrote the e-mail to grievances redressal team, it was pretty smooth and fast tracked.

Can you share the email id please?

Thanks.

 

[350modena]

Can you share the email id please?

Thanks.

grievance.redressal@hdfcbank.com . . .

 

[vikramsrit]

Can you share the email id please?

Thanks.

Here it is: Grievance.Redressalcc@hdfcbank.com