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HDFC Bank denied Tata Neu Infinity Card despite holding Millennia Card

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Theron

Theron

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HDFC bank rejected my Tata Neu Infinity Card Application despite holding Millennia Card for more than a year. On request of reconsideration, HDFC CCs are asking me to courier KYC documents, Income proof and Duly filled One page application to Chennai Office. I am like “WTH”. Any body faced this issue?
 
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Theron said:
HDFC bank rejected my Tata Neu Infinity Card Application despite holding Millennia Card for more than a year. On request of reconsideration, HDFC CCs are asking me to courier KYC documents, Income proof and Duly filled One page application to Chennai Office. I am like “WTH”. Any body faced this issue?
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I had faced it. I sent the kyc to Chennai and after a month it was approved to me.
 
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Theron said:
750+ But should not matter as I am already holding one card
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No ..it matters..
When they gave you first card, they must have risk profiled and gave you some limit..
Assume , your score came down and applied for second card, even though the limit would have been shared, they may want to review your credit profile again with latest docs …
All these are assumptions.. am trying to find out why they are acting randomly..
Your score in 750 s is a borderline score
 
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Theron said:
Actually now my score is 750 above but when HDFC approved my first card it was only 734😄
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We gave him certain amount based 735 . In spite of one year he is still stuck in 750s , let’s review.. may be the HDFC s thought process in your case
 
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S S V said:
We gave him certain amount based 735 . In spite of one year he is still stuck in 750s , let’s review.. may be the HDFC s thought process in your case
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May be HDFC thought in a different way. BTW I have total 23 Credit cards from 17 different banks except only AU Bank. More no of cards may be the reason. But I will send doc to Chennai. I don't want to waste one CIBIL hit.
 
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Sarcastic Anil Kapoor GIF by Amazon miniTV
 
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Theron said:
May be HDFC thought in a different way. BTW I have total 23 Credit cards from 17 different banks except only AU Bank. More no of cards may be the reason. But I will send doc to Chennai. I don't want to waste one CIBIL hit.
Click to expand...
Yes, over leveraged.. send the docs and update here what happens
 
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Theron said:
HDFC bank rejected my Tata Neu Infinity Card Application despite holding Millennia Card for more than a year. On request of reconsideration, HDFC CCs are asking me to courier KYC documents, Income proof and Duly filled One page application to Chennai Office. I am like “WTH”. Any body faced this issue?
Click to expand...
Same thing happened to me.
 
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