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Cibil defaults wipe off?
- Thread starter cardex
- Start date
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- cibil cibil report
I had settled in 2009 so DPD not visible. Initially HDFC declined the card but i wrote a mail to PNO stating the facts and my current financial details and relationship details with HDFC, what helped was i had salary account with them from 2012. My card got approved. They recently increased the limit to 4L as well
Whenever you get that email / message, that is is a hard enquiry.
Whenever you apply for a credit product including loans, CC, limit enhancements etc the banks will check your credit report, that's what is called a hard enquiry. Simply put enquiries that shows up on your your credit reports including Transunion, Experian etc are hard enquiries which are done during applying for any credit product.
Soft enquiries do not show up & cannot be seen as an enquiry in your credit report. In India most soft enquiries basically means banks or credit brokers like Paisabazaar, bankbazaar etc having access to your monthly credit reports (with your consent) so that their algo can check which credit products you might be eligible for !
Remember every time you subscribe to access your credit report for free or paid via any third party app or website that is a soft enquiry !
Same happened with me ! I paid the Total amount in 2015, but they are declining all of my new applications stating that even though they received the "Full Payment" but since the card went to collections they will NOT approve any new card application as per policy ! I do not have any other relationship with HDFC currently !
I paid the HDFC the Full amount due & in Cibil the card is reported as closed but they reporting "0" DPD's till now !
Will writing to PNO or RBI ombudsman help ? or Should I open a HDFC savings a/c with PREFERRED / IMPERIA relationship first & then try again after 1 year or so ? Also, can you give me the PNO email address ?
cardex
TF Premier
but why hell bent on acquiring HDFC cards? Surely there are other and better alternatives.
I am not sure if preferred or imperia account would help.They mostly look at loans, FD With them. I had a PL, FD and consumer loan. I showed the repayment history with no default.
0 in DPD is a good thing, means no late payments.
The email id i wrote to was PriorityRedressal.CreditCards@hdfcbank.com
Like @cardex mentioned HDFC cards are not that great except for a couple of cards -Tata Neu, DCB & Infinia and may be Millenia
cardex
TF Premier
I wrote to them regarding applications rejected they asked me to mail and delete previous lead ID. Which of AU card is worth, c2c basis, strictly no income docs or verification?
May be they started recently. When I had applied, I remember the only enquiry was in Cibil but AU was not serviceable in my pin code back then. Since then I have not managed to proceed beyond a certain page & keeps giving the error "Could not process application due to technical glitch"
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I'm sure AU waives physical verification if the card is pre approved based on savings a/c relationship. Though i'm not sure if pre approved offer comes on their 0 balance digital savings a/c or not.
I have a current a/c with AU with a turn over of more than 2cr annually but still NO CC offer for me. Spoke to RM & was asked to open a savings a/c relationship or apply C2C !
I did have current a/c with HDFC but still they declined every time. Got fed up & closed it.
To eventually get my hands on Infinia / DCB. I do big spends on CC & the reward proposition on those 2 are great based on the spends I do.
sumitlehri
TF Buzz
I miss out on paying 46 paisa for my HDFC jumbo loan..Will they report it on cibil?
They ideally should not though you should write and also talk to their phone banker immediately. But in past it has been seen in some incidences that they have reported it. That's why I tend to round up to the higher payable rupee.
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