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Millennia HDFC bank declined pre-approved cc, reasoned already holding a card, but I haven't

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maverick

TF Premier
When I initially applied for a credit card via the link I received by email, I discontinued the application process midway and closed the window. After approximately 10 minutes, I reapplied through the same link and completed the application process this time(31st August).

However, I noticed that two reference numbers were generated:

1.
*24H3******50XI* (current status:- still processing) I think it is from an incomplete application (no text and mail received for this) checked via IVR call, and it said in the process.
2.
*24H********30XI*(declined) It is from the completed application, it is received from text and mail but declined)

My application with reference number 24H*******30XI was declined, with the system indicating that I already have a card. actually, I don't have any hdfc cc, as the first reference number (24H********50XI) based on this system analysed that a card has been issued to me but this reference number is still in the processing stage and also I haven't applied for any cc in the past i.e this is my first application

I mailed all this to priority grievance wala mail id they said you already have a premium cc, in reply I sent a net banking app screenshot showing no credit card, and they simply closed my case
now what to do?
 
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MrJJ said:
They must have approved card on the first application. Just wait and you will receive the card.
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but it has been 8 days from 31st August, preapproved cc doesn't take that much time in general, and the application I have completed was declined and the other application which remains incomplete is in the process..so I think card has not been issued yet
 
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maverick said:
but it has been 8 days from 31st August, preapproved cc doesn't take that much time in general, and the application I have completed was declined and the other application which remains incomplete is in the process..so I think card has not been issued yet
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Do you have screenshots of the pre-approved offer you could see? Send an email to grievance redressal with the screenshots of the email/text message you got along with your concern.
 
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maverick said:
but it has been 8 days from 31st August, preapproved cc doesn't take that much time in general, and the application I have completed was declined and the other application which remains incomplete is in the process..so I think card has not been issued yet
Click to expand...
It could be in the soft approval state. That's why the other application was declined.
You have these options now:
1. Wait for the old application to process (either approval or rejection)
2. Request them to close your old application.
3. Apply via branch.
 
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maverick said:
When I initially applied for a credit card via the link I received by email, I discontinued the application process midway and closed the window. After approximately 10 minutes, I reapplied through the same link and completed the application process this time(31st August).

However, I noticed that two reference numbers were generated:

1.
*24H3******50XI* (current status:- still processing) I think it is from an incomplete application (no text and mail received for this) checked via IVR call, and it said in the process.
2.
*24H********30XI*(declined) It is from the completed application, it is received from text and mail but declined)

My application with reference number 24H*******30XI was declined, with the system indicating that I already have a card. actually, I don't have any hdfc cc, as the first reference number (24H********50XI) based on this system analysed that a card has been issued to me but this reference number is still in the processing stage and also I haven't applied for any cc in the past i.e this is my first application

I mailed all this to priority grievance wala mail id they said you already have a premium cc, in reply I sent a net banking app screenshot showing no credit card, and they simply closed my case
now what to do?
Click to expand...
Just wait for some days. I think the card has been approved against your first application, and for some reason intimation has not been sent to you.
 
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kiwi195 said:
Do you have screenshots of the pre-approved offer you could see? Send an email to grievance redressal with the screenshots of the email/text message you got along with your concern.
Click to expand...
I have sent all screenshots, now I have just wrote to pno, after greviance redressal closed my case ...elaborating all the above mentioned things...let see
 
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