Has hdfc bank stopped giving pre-approved credit cards easily?

[friends2b11]

One of my friends opened a bank account in January this year. She is maintaining over 2 lakhs. Even she got the classic banking preapproved offer 2 months ago. then she upgraded to the classic banking program. She is getting pre-approved debit card EMI offers of 1.5 lakhs and pre-approved loans, etc., but she is not getting any pre-approved credit card offers. She is spending lakhs in debit cards.


She got an add-on credit card. Later, she cancelled the add-on credit card. Is the system thinking that she already has a credit card just because she got an add-on credit card? It has been 3 months since her add-on credit card was cancelled by the primary credit card holder.


Any suggestions?

 

[D₹V]

One of my friends opened a bank account in January this year. She is maintaining over 2 lakhs. Even she got the classic banking preapproved offer 2 months ago. then she upgraded to the classic banking program. She is getting pre-approved debit card EMI offers of 1.5 lakhs and pre-approved loans, etc., but she is not getting any pre-approved credit card offers. She is spending lakhs in debit cards.


She got an add-on credit card. Later, she cancelled the add-on credit card. Is the system thinking that she already has a credit card just because she got an add-on credit card? It has been 3 months since her add-on credit card was cancelled by the primary credit card holder.


Any suggestions?

Wait patiently, she'll receive the offer .

 

[tachniki]

I am in similar boat + I have Tata Neu Infinity Card LTF (I understand this makes difficult or impossible. But this gives me too much saving. I will not close this).

I opened account two months back. Have been paying 6 credit card bills and a lot of UPI payments. Total worth about 4 L in two months. Additionally deposited 10L as FD.

But still no pre-approved card.

Swiggy HDFC card was rejected two times for no apparent reason (possibly because I had Tata Neu).

Cibil score 808. Experian 816.

 

[D₹V]

I am in similar boat + I have Tata Neu Infinity Card LTF (I understand this makes difficult or impossible. But this gives me too much saving. I will not close this).

I opened account two months back. Have been paying 6 credit card bills and a lot of UPI payments. Total worth about 4 L in two months. Additionally deposited 10L as FD.

But still no pre-approved card.

Swiggy HDFC card was rejected two times for no apparent reason (possibly because I had Tata Neu).

Cibil score 808. Experian 816.

You can take Infinia by putting lien in FD

 

[unit vector]

Swiggy HDFC card was rejected two times for no apparent reason (possibly because I had Tata Neu).

I have an irctc card but swiggy was also approved.
I was thinking of opening an account with HDFC for getting a core card, but after your experience even after maintain good relationship with bank; I will let my thoughts of getting an account to rest.

 

[vine]

Hdfc is a recursive acronym
HDFC Don't F###king Care

 

[sparkit]

One of my friends opened a bank account in January this year. She is maintaining over 2 lakhs. Even she got the classic banking preapproved offer 2 months ago. then she upgraded to the classic banking program. She is getting pre-approved debit card EMI offers of 1.5 lakhs and pre-approved loans, etc., but she is not getting any pre-approved credit card offers. She is spending lakhs in debit cards.


She got an add-on credit card. Later, she cancelled the add-on credit card. Is the system thinking that she already has a credit card just because she got an add-on credit card? It has been 3 months since her add-on credit card was cancelled by the primary credit card holder.


Any suggestions?

It can take upto 1 year. For me within 6 months I got offer.
For my wife's account, it took almost an year.
Also don't take the offer at first, wait few months and the offer limit will be increased.
For me first it showed 1l as pre approved, after a month 1.25l and after 2 months it showed 1.5L. I took it.

 

[tachniki]

You can take Infinia by putting lien in FD

Will you have any link on how to apply with FD?

Currently, if I try to apply on website, it says I can't apply because I recently applied for a card.

 

[tachniki]

I have an irctc card but swiggy was also approved.
I was thinking of opening an account with HDFC for getting a core card, but after your experience even after maintain good relationship with bank; I will let my thoughts of getting an account to rest.

I have no idea why HDFC hates me. They rejected my Neu application multiple times. I got the card only as reward of 2023 Neu app ipl leaque play.

 

[dhiraz]

One of my friends opened a bank account in January this year. She is maintaining over 2 lakhs. Even she got the classic banking preapproved offer 2 months ago. then she upgraded to the classic banking program. She is getting pre-approved debit card EMI offers of 1.5 lakhs and pre-approved loans, etc., but she is not getting any pre-approved credit card offers. She is spending lakhs in debit cards.


She got an add-on credit card. Later, she cancelled the add-on credit card. Is the system thinking that she already has a credit card just because she got an add-on credit card? It has been 3 months since her add-on credit card was cancelled by the primary credit card holder.


Any suggestions?

In HDFC and Axis If Any Person Already Has a Good Cibil Score Then It is Easy to Get a PreApproved Credit Card Tried & Tested.

Suppose if a Person Have No Cibil Score and Having Account in These Bank Then It Takes Time.

 

[D₹V]

Will you have any link on how to apply with FD?

Currently, if I try to apply on website, it says I can't apply because I recently applied for a card.

Email them... .

 

[friends2b11]

In HDFC and Axis If Any Person Already Has a Good Cibil Score Then It is Easy to Get a PreApproved Credit Card Tried & Tested.

Suppose if a Person Have No Cibil Score and Having Account in These Bank Then It Takes Tim

In HDFC and Axis If Any Person Already Has a Good Cibil Score Then It is Easy to Get a PreApproved Credit Card Tried & Tested.

Suppose if a Person Have No Cibil Score and Having Account in These Bank Then It Takes Time.

And icici ?

 

[dhiraz]

And icici ?

If you are lucky then icici will give you pre-approved otherwise Cibil Score + Good Amount in Account (Like 2L-3L)

 

[Ak Singh]

I am in same boat also, I opened account in January later upgraded it to preferred program but still no pre approved credit card offers. Just useless debit card emi and bike loan. Hdfc is becoming new icici.

 

[friends2b11]

I am in same boat also, I opened account in January later upgraded it to preferred program but still no pre approved credit card offers. Just useless debit card emi and bike loan. Hdfc is becoming new icici.

Do you have cibil score ?

 

[Fini7777]

One of my friends opened a bank account in January this year. She is maintaining over 2 lakhs. Even she got the classic banking preapproved offer 2 months ago. then she upgraded to the classic banking program. She is getting pre-approved debit card EMI offers of 1.5 lakhs and pre-approved loans, etc., but she is not getting any pre-approved credit card offers. She is spending lakhs in debit cards.


She got an add-on credit card. Later, she cancelled the add-on credit card. Is the system thinking that she already has a credit card just because she got an add-on credit card? It has been 3 months since her add-on credit card was cancelled by the primary credit card holder.


Any suggestions?

This might be true

My cousin is in same situation, Not getting cc offer even having preferred banking tag
but wait for some time They may offer cc and add-on cards will not create any effect don't worry

 

[Ak Singh]

Do you have cibil score ?

Bro my cibil score is 777 and 3.5 yr credit history. Having more than 10 cc of different banks.

 

[Tejo]

This might be true

My cousin is in same situation, Not getting cc offer even having preferred banking tag
but wait for some time They may offer cc and add-on cards will not create any effect don't worry

Nope.

People who have an active card too, got pre-approved offer again .....

Does your cousin has cibil history with active credit card, get any fd card if not ?

Just ask your cousin, to apply manually any hdfc core card, just mention as student, might trigger pre-approved offer, also advise to use debit card ....

 

[Fini7777]

Nope.

People who have an active card too, got pre-approved offer again .....

Does your cousin has cibil history with active credit card, get any fd card if not ?

Just ask your cousin, to apply manually any hdfc core card, just mention as student, might trigger pre-approved offer, also advise to use debit card ....

currently, he has 9 cards with 4 yrs credit history
Let's see, He is expecting LTF Millennia

 

[Tejo]

currently, he has 9 cards with 4 yrs credit history
Let's see, He is expecting LTF Millennia

Apply via c2c.