HDFC Card Approval timeline post in person verification

[prc1990]

Hello Mates,

In person verification was completed on 17th March for my recent HDFC Credit Card application however, tracking shows the application is still in progress. Can anyone please tell me how many days (standard timeline) does it generally require for the card to get approved post address verification?

Please note, I received 4 verification calls prior to in person address verification.

 

[prc1990]

I got mine two weeks after application (from pre-approved offer)

Great to hear. In that case, probably can expect the approval by this month.

 

[prc1990]

Unfortunately my card got declined even after having 750+ CIBIL and decent income proof with all set with KYC.

I applied for a card digitally last year (2nd Oct'21) and this is still showing under review even after almost 6 months.

This declined one I applied on 11th March through in person and I believe this was rejected since, I already have an existing application (less than six months old) which is still under review. For this one, I followed up over email since last year but was not getting any proper resolution. The most frustrated part is it has neither been rejected nor been approved which is why it is creating all these chaos.

If I reopen this declined application after 2nd April (6 months post the last application), is there any chance to see the light of approval? Can anyone please share your thoughts?

 

[stack]

I'd applied for HDFC credit card a week back. Still waiting for any response from their side. Currently its status is showing as inprocess. Can members tell me usually how long it takes for processing?
Also Not a HDFC account holder.

 

[prc1990]

Weird ... Maybe you should directly send documents to Chennai office ... Who knows why such weird things happen with CCs

Do you have other CCs too?

Yes I have 8 other CCs from different banks, should this be a problem? Don't think so.

 

[prc1990]

Might be ... Who knows ... "Internal policy"

Because I can't see any reason for direct rejection of your applications.

Should I give it a try post 2nd April by reaching them over email? I heard lot of cases with HDFC where the card was initially declined and then automatically/after follow up got approved after few days/month? This is a very typical and common problem with HDFC CC I believe

I am bit disappointed as I was getting Millennia as LTF 🥲🥺.

@TechnoFino Any expert advise bhaisab? 😌

 

[prc1990]

Yeah you should definitely bug them ... You got Millennia LTF in offer so it's your right

Ok I just got hold of a backend report and it clearly shows why the application was rejected. Will work on that and reopen the same application somewhere in May.

 

[prc1990]

Ah okay ... Why was it rejected if you don't mind sharing

My home loan lender bank reported 3 delayed payments incorrectly (due to technical issue) back in 2020 which has recently been corrected after lot of chasing and follow up (I would consider this as a harrasment as there was no fault from my end) and probably HDFC didn't look at the corrected report at the time of enquiry and hence, it was rejected for being a defaulter per credit bureau report.

Will wait till credit report gets corrected and updated.

 

[KingAAR]

My home loan lender bank reported 3 delayed payments incorrectly (due to technical issue) back in 2020 which has recently been corrected after lot of chasing and follow up (I would consider this as a harrasment as there was no fault from my end) and probably HDFC didn't look at the corrected report at the time of enquiry and hence, it was rejected for being a defaulter per credit bureau report.

Will wait till credit report gets corrected and updated.

Any update ?

 

[prc1990]

Any update ?

It was corrected last year itself...

 

[KingAAR]

It was corrected last year itself...

did they approve your card then?

 

[prc1990]

did they approve your card then?

Yes got the card in last year...