MinatoFlash
TF Buzz
Does Preferred and Imperia banking boost the chances of better pre-approved CC limit ?
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Doubts Regarding HDFC CC Pre-approved offers!
- Thread starter MinatoFlash
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- Replies 22
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100000% no both these program are waste 🙂 i had both i didn't even get any card
MinatoFlash
TF Buzz
At the moment , I have pre-approved Regalia(or Diners Privilege) with 3L Limit and holding Preferred banking.
Please get IFF it LTF without any condition
MinatoFlash
TF Buzz
8 Months old,
Holding 2 accounts under same cust id (Savings + Salary)
Holding 2 accounts under same cust id (Savings + Salary)
tiny
TF Premier
definitely you will get better CC if you have good relation with the bank
is this your 1st preapproved offer of CC From HDFC,,..?
MinatoFlash
TF Buzz
I had 1.5L Pre approved CC limited last month.
tiny
TF Premier
I am a classic account holder and get pre approved offer with 25k limit 🙂
so not here to disagree with you
tiny
TF Premier
I guess your CC offers are due to your salary account. Respectable amount must be getting credited every month
Exactly my point brother that they treat other customers better than preferred, I am not saying HDFC don't provide pre approved offers just that HDFC doesn't provide that much pre-approved offers in preferred banking which they should provide na if we are maintaining more than 5L relationship value
tiny
TF Premier
And from past one month in am getting that same shitty mail of PRE APPROVED CC with 25k limit. Are bhai nahi chaiye 😭
Kartik155555
TF Buzz
My friend is also being offered the same despite of being classic customer..but another friend who has done a fd (50k)got a better offer of around 50k (he's having a 10k mab account)
tiny
TF Premier
no its that OIL vale card. All I have is one card as only unsecured but I won't take a CC with 25k limit
Always choose the programme based on your AMB. Everyone should have liquid money. Only the amount varies. We should not maintain balance for the programme. But should be other way around. We should choose the programme based on our AMB. This is the best way to do it. Else we either lose benefits maintaing good balance but staying in lower programme or blocking money at lower return.
Also, don't settle for lower CC varient if they offer. Try to get the highest variant as LTF, preferably Regalia. As an existing customer I am finding it difficult to do a LTF upgrade. They are happy to upgrade my CC but not as LTF.
Maintaining balance for getting pre-approved offers is not a great idea. Try to produce income documents and get the right variant you deserve. If you need pre-approved offer, I would recommend you to make good number of transactions using your debit card. That's how I got my pre-approved offer. Maintained only ₹10,000.
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