Got Pre Approved Offer, Business MoneyBack, Skipped. How To Get Millennia As First HDFC Card?

[D₹V]

I got normal banner in net banking today, clicked & got back.

Then again Mail, Call, WhatsApp & SMS spammed apply in last 3 hrs to get 1500 GV, I ignored.

2 hours ago, again got mail asking to apply with 54k limit written. Opened & checked it's business MoneyBack only. I don't like it's reward system, not worth for me.

Should I wait for Millennia & higher limit as HDFC gives LE & Upgrades in Eternity? For now, I have thought to skip it.

Give your opinion & react pls 🥹.

Update: I waited 6 months more & procured LTF Millennia credit card as pre approved with huge limit of 150k.

All you need is patience 😉.

 

[D₹V]

So march 2023 u were at my place 🥸😎😁

You're now at my place? 🗿

 

[Vasuki]

You're now at my place? 🗿

I mean i got same offer around april last year took hdfc iocl with 20k limit 🥸.
You avoided 🥸
I suffered .
Today m asking same question u asked a year ago 😜

 

[D₹V]

I mean i got same offer around april last year took hdfc iocl with 20k limit 🥸.
You avoided 🥸
I suffered .
Today m asking same question u asked a year ago 😜

Maybe it was your first card that's why you had cravings like that.

See I had freecharge+ credit card which offers 5% on utility & 1% on almost all txns.

So I had preference set to get minimum 5% cashback card on shopping now & 1% cashback cards weren't enough because any prepaid/credit card out there offers 1% cashback anytime.

And I had deep in deep researched about HDFC pre approval cards & it's tricks in other forums before posting here.

Also, since I had a backup of millennia DC too, which offers 5% cashback on gift cards using Smartbuy to cater my shopping spends.

So, wasn't problem in waiting even 1 year more 😁.

I still feel I made a hurry, I could have procured DCB or Infinia LTF [Experimental].

But right 1-2 months after I got Millennia, RBI issued notification for lenders to manage risks. Then HDFC reduced pre approved offer limit to everyone.

जो होता है अच्छे के लिए होता है!!!

 

[Vasuki]

Maybe it was your first card that's why you had cravings like that.

See I had freecharge+ credit card which offers 5% on utility & 1% on almost all txns.

So I had preference set to get minimum 5% cashback card on shopping now & 1% cashback cards weren't enough because any prepaid/credit card out there offers 1% cashback anytime.

And I had deep in deep researched about HDFC pre approval cards & it's tricks in other forums before posting here.

Also, since I had a backup of millennia DC too, which offers 5% cashback on gift cards using Smartbuy to cater my shopping spends.

So, wasn't problem in waiting even 1 year more 😁.

I still feel I made a hurry, I could have procured DCB or Infinia LTF [Experimental].

But right 1-2 months after I got Millennia, RBI issued notification for lenders to manage risks. Then HDFC reduced pre approved offer limit to everyone.

जो होता है अच्छे के लिए होता है!!!

I closed Hdfc card this week ..lets see pre approved offer will pop up

 

[D₹V]

I closed Hdfc card this week ..lets see pre approved offer will pop up

Keep us posted 🤭

 

[theda]

I still feel I made a hurry, I could have procured DCB or Infinia LTF [Experimental].

Are you sure there is even a possibility to get Infinia LTF like this?

 

[D₹V]

Are you sure there is even a possibility to get Infinia LTF like this?

Not sure but I believe.

If auto upgrade to infinia from Millennia is possible then getting directly Infinia pre approved is also possible.

 

[theda]

Not sure but I believe.

If auto upgrade to infinia from Millennia is possible then getting directly Infinia pre approved is also possible.

"May God bless everyone with the ability to hope and dream as big as you do."

 

[anonymuos]

@D₹V After you got Millennia offer in HDFC after changing from self-employed to salaried, while confirming/completing card application it again asks you certain things right? Does it ask at that stage self-employed or salaried? What to enter then? Will they cross check with PAN?

 

[D₹V]

@D₹V After you got Millennia offer in HDFC after changing from self-employed to salaried, while confirming/completing card application it again asks you certain things right? Does it ask at that stage self-employed or salaried? What to enter then? Will they cross check with PAN?

They didn't ask anything.

Just confirm address 😀 & successfully approved.

 

[anonymuos]

They didn't ask anything.

Just confirm address 😀 & successfully approved.

So their pre-approved algorithm overrides the usual stupidity that HDFC bank employees show. That's good to know 😀 Although it is their algorithm that has a bias for salaried (providing them the best cards) and thenga for self-employed.

 

[D₹V]

So their pre-approved algorithm overrides the usual stupidity that HDFC bank employees show. That's good to know 😀 Although it is their algorithm that has a bias for salaried (providing them the best cards) and thenga for self-employed.

Obviously every banks has salaried bias.

But recently launched their business cards for self employed are also awesome to go for 😎.

IYKYK.

 

[varun__goel_]

Obviously every banks has salaried bias.

But recently launched their business cards for self employed are also awesome to go for 😎.

IYKYK.

Aaj Maharaj ji ne itne baad kaise darshan diye😆😆

 

[Trust Me]

So their pre-approved algorithm overrides the usual stupidity that HDFC bank employees show. That's good to know 😀 Although it is their algorithm that has a bias for salaried (providing them the best cards) and thenga for self-employed.

But when their pre-approved algorithm actually kicks in is unfortunately decided by the same "stupid HDFC employees"! 🙂
.

 

[D₹V]

But when their pre-approved algorithm actually kicks in is unfortunately decided by the same "stupid HDFC employees"! 🙂
.

Saw someone posting he didn't get pre approved offer from 2 years, was it you?

 

[Trust Me]

IYKYK.

"I am Your Konfuser, You Know" ? 🙂
.

 

[Trust Me]

Saw someone posting he didn't get pre approved offer from 2 years, was it you?

..... 9 years, thank you! 🙂

But it wasn't from blank. I'm talking about an upgrade offer on my dearly valued Moneyback CC!
.

 

[D₹V]

..... 9 years, thank you! 🙂

But it wasn't from blank. I'm talking about an upgrade offer on my dearly valued Moneyback CC!
.

Update income profile 2-3 times in span of 2 days in netbanking & keep using the card 😜 whenever possible.

Else close & start the loop again.

 

[Trust Me]

Else close & start the loop again.

Don't really want to close my oldest active card by far with a perfect payment record (and the one with the highest CL as well)! 🙂
.

 

[D₹V]

Don't really want to close my oldest active card by far with a perfect payment record (and the one with the highest CL as well)! 🙂
.

Then great.

Try above thing.