Checking HDFC pre-approved cards triggered CIBIL enquiry

[RevEng]

I check HDFC pre-approved offers on this link regularly - https://applyonline.hdfcbank.com/credit-cards/pre-approved-credit-cards.html

Never had an CIBIL enquiry just because of checking pre-approved offers. But yesterday when I checked, a hard enquiry hit CIBIL. Can I dispute the enquiry?

 

[BeingPramod]

Anytime!
In that case, you can write Directly to regional nodal officer. Find the email ID for your region through this link:

HDFC Bank - Banking Ombudsman - Grievance Officer

HDFC Bank – Banking Ombudsman ( Nodal Officer Handling Banking Ombudsman Complaints) contact details are as follows: For Andhra Pradesh and Telangana At Hyderabad – Mr Sundar Krishnamoorthy Address: HDFC Bank Ltd, Saeed Plaza III floor, Lakdikapul, Hyderabad – 500 004 Tel : 040-66467217 Fax...

www.grievanceofficer.com

They asked for the latest complete CIBIL report. I have provided them, Let's see how it progresses now.

 

[rohant]

They did 7 inquiries when I checked for HDFC Tata Neu card

 

[rohant]

They asked for the latest complete CIBIL report. I have provided them, Let's see how it progresses now.

same. Waiting for their reply. Hope for the best

 

[BeingPramod]

same. Waiting for their reply. Hope for the best

Yeah hoping for the best. They told , will get back to you on or before June 15,2023.

 

[Udit Gupta]

They asked for the latest complete CIBIL report. I have provided them, Let's see how it progresses now.

Hi
Did you CIBIL change ?
What did you write in your email, if you can share it would be helpful ?

 

[RevEng]

Yeah hoping for the best. They told , will get back to you on or before June 15,2023.

Today HDFC again changed the date to 20 June. Planning to raise a complaint RBI ombudsman after 30 days limit is reached.

 

[John Since]

HDFC made 2 enquiries for single Tata Neu Infinity card. How to get it removed?

 

[BeingPramod]

Hi
Did you CIBIL change ?
What did you write in your email, if you can share it would be helpful ?

They gave a new date for the resolution 19th June. Not much faith having.

 

[BeingPramod]

Today HDFC again changed the date to 20 June. Planning to raise a complaint RBI ombudsman after 30 days limit is reached.

Same they changed the date to 19th June. I never made a complaint through the RBI ombudsman. Guess me too can start with this issue 😀

 

[rohant]

Same they changed the date to 19th June. I never made a complaint through the RBI ombudsman. Guess me too can start with this issue 😀

How can I get my cibil report. I am not getting download option with freecharge. They did 7 inquiries on mine

 

[starstruck]

How can I get my cibil report. I am not getting download option with freecharge. They did 7 inquiries on mine

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

 

[ALOAK]

Based on my observation (do let me know for changes)

CIBIL hit happens after 2nd step in below screenshots (only if you proceed to 3rd step).

View attachment 20288

View attachment 20289

Note: In one screenshot, you know the offered card without CIBIL hit, in other its only after CIBIL hit. Proceed with Caution ..

The above screenshot is the old version which normally has to be that way. Until unless you choose or like the card u don't give this is how it was when I got DCP ltf but now when I check it shows like second screenshot. Hdfc is scamming this way it should not be done as it affects every person cibil. It is like forcing people to take the useless cards for some and some it is useful. They should change the way like the old one. Presume hdfc has done the 3 step on purpose so that once cibil hits people some of the are forced to take it else disputing this takes lot of time as civil.does not remove errors just like they do in US. Here the transunion functions like careless attitude as there is no strong customer laws like in US. Even banks has to report every month end the correct one sometimes it is seen after paying credit card it becomes zero still they report to cibil with outstanding. This i have seen in my cibil. I left it cuz it is headache with banks they don't bother they take lot of time until you raise this with RBI ombudsman. Careful to all don't even bother to check through online with current 3 steps instead they should have done like choose card as second tab and confirm details last.it is on purposely hdfc has done this

 

[ALOAK]

Instead call care and findout if any upgrade or ltf offer is available. Even this is headache as they may not know online offers . Infact they should be in tandem with it. But they don't.

 

[RevEng]

Finally!!

It seems that banks won't do anything unless forced by the RBI Banking Ombudsman.

 

[ccgeek07]

View attachment 22659

Finally!!

It seems that banks won't do anything unless forced by the RBI Banking Ombudsman.

It would be helpful if you can share what you wrote in the complaint.

This ******* HDFC did 5-6 CIBIL hits in a span of few days. I mailed their cs and they always extend the timeline.

 

[RevEng]

It would be helpful if you can share what you wrote in the complaint.

This ******* HDFC did 5-6 CIBIL hits in a span of few days. I mailed their cs and they always extend the timeline.

You should have emails with 2 service request numbers, SR level 1 and SR for the escalation.

Assuming last 30 days have passed since the first response from escalations, you can file a complaint with the ombudsman.

In the ombudsman complaint, I mentioned that I've not applied for any credit and still have an inquiry from HDFC. Attached the email conversations for proof. Also attached all the emails where HDFC CS kept extending the date.

 

[amitr29]

Is anyone having time here to respond to my query.

Send just CIBIL control number to customer care team. Full report is not required

 

[Card_Crafter]

Two options

1. Identify Yourself --> Choose your card
2. Identify yourself --> Confirm your details

Option 1 don't trigger CIBIL enquiry.
Option 2 triggers CIBIL enquiry

Tried and tested several times.

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

1. Identify Yourself --> Choose your card

this doesn't benefit.

2. Identify yourself --> Confirm your details

this does.

 

[SSV]

This topic was discussed in more details here:

HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded( I think)...

Note: There is a follow up thread to this thread i.e. URL Decoding. That next thread is here: https://www.technofino.in/community/threads/hdfc-pre-approved-credit-card-application-url-decoded.14749/...

www.technofino.in

HDFC Pre approved Credit Card Application URL - Decoded...

This thread is in continuation to my previous thread My Previous thread is here: https://www.technofino.in/community/threads/hdfc-cc-pre-apporved-offer-cibil-hit-or-not-decoded-i-think.14680/ URL Decoding - HDFC Card Applcation : Disclaimer: This is going to be a very lengthy post. The...

www.technofino.in