I had an HDFC credit card around 2 years back, but I closed that. After that whenever I applied for any HDFC credit card, they rejected it almost instantly. I am not sure it's just coincidence or they just rejected me outright because of my previous closing of their card. Recently, they sent me sms and emails for lifetime free card. So, I applied for it. At the end of the application, I was informed that the card will be delivered in 7-10 days. But the next day I got email that the card application was declined due to some internal policy. After the rejection mail, I got repeated email, sms, mobioe app notifications and even a phone call from an HDFC card agent to apply for the card. After several days, I finally sent an email to HDFC card customer care asking the reason for rejection and why I was informed that the card will be delivered in 7-10 days and later that the card application was declined. They responded that rejection was due to internal policy, but they will look into it. Today, I got email (containing the application) and sms that the card application was approved and card will be delivered within 3 working days. So, I suppose this time they will not change their mind and rejected again? Do they have the power to change an application from approved to rejected? By the way, I have a savings account with HDFC if that's relevant.
