HDFC CC not offering Upgrade or Limit Enhancement

[pprakash11]

Update: Just spoke to the guy who actually did my application (this is a different guy from the branch)

He said, he'll restart the verification process. Let's see what happens.

Back to back cibil hits too that too double double.

 

[crazyuploader]

I think she's trying to put you in doubt and push you to take the LTF MB+ card, so that it benefits her

Makes sense, only interested in Millennia anyways

 

[sri_cc]

Guy from the branch had the verification process restarted and today someone came to my office and re-did the verification. Let's see what happens.

 

[sri_cc]

sad news everyone

Dear Applicant,
Subject : Your Credit Card application reference no XXXXXXXXXXXXX

Thank you for showing interest and applying for an HDFC Bank REGALIA GOLD CARD Credit Card.

We are delighted to have received your application; however, we regret to inform you that we are unable to offer you REGALIA GOLD CARD at this time since your application does not meet the eligibility criteria required for this product. These criteria help us offer the best-suited products to our customers, matching their needs.

We appreciate your interest in our product and are excited to offer you an equally fantastic alternative product that you are eligible for and, we believe will meet your needs.

Within 3 days, our Bank representative will call you at your registered mobile number to introduce and explain this product. We will proceed with your application once you confirm.

We extend our gratitude for choosing us and look forward to offering you our best services.

Hopeful to serve you soon.

HDFC Bank

 

[sri_cc]

Guy from the branch who helped with the process is still saying, he'll look into this and get the card approved. I have no hopes.

My best option now isto go through the escalation matrix and reach PNO right?

 

[Pack_of_Cards]

Guy from the branch who helped with the process is still saying, he'll look into this and get the card approved. I have no hopes.

My best option now isto go through the escalation matrix and reach PNO right?

Sad bro Sad, I doubt if escalation to PNO will work, at the end of the day it's upto bank to provide a card or not. One thing I wanted to highlight is why would you go with an ICICI card for C2C basis that too the APay? HDFC hates ICICI cards and on top of it they are abhorred by APAY, should have checked already existing threads on C2C basis and not to go via Apay, anyways it's heart wrenching to see such a high net worth salary account denied a Mid Level Card. I genuinely want someone to give HDFC a bitter reality check.

 

[sri_cc]

Sad bro Sad, I doubt if escalation to PNO will work, at the end of the day it's upto bank to provide a card or not. One thing I wanted to highlight is why would you go with an ICICI card for C2C basis that too the APay? HDFC hates ICICI cards and on top of it they are abhorred by APAY, should have checked already existing threads on C2C basis and not to go via Apay, anyways it's heart wrenching to see such a high net worth salary account denied a Mid Level Card. I genuinely want someone to give HDFC a bitter reality check.

APAY ICICI is the only card with >5L limit for me right now, recently Axis FK increased my limit from 2L to 4.45L, this happened after I applied and is still less than 5L.

 

[Pack_of_Cards]

But even with Apay > 5L limit HDFC don't give any decent card that's why I was saying.

APAY ICICI is the only card with >5L limit for me right now, recently Axis FK increased my limit from 2L to 4.45L, this happened after I applied and is still less than 5L.

 

[insight]

APAY ICICI is the only card with >5L limit for me right now, recently Axis FK increased my limit from 2L to 4.45L, this happened after I applied and is still less than 5L.

I am just starting a similar process shortly- APAY + Plat (5L).
HDFC C2C 5L via Branch: LTF offered Regalia Gold, Diner Club Privilege, Millenia. Pros/ Cons? Others?

Have emailed Burgundy support to match my Magnus to 5L or more. Do chime in, on the thread given you've done some comparatives?

 

[sri_cc]

I am just starting a similar process shortly- APAY + Plat (5L).
HDFC C2C 5L via Branch: LTF offered Regalia Gold, Diner Club Privilege, Millenia. Pros/ Cons? Others?

Have emailed Burgundy support to match my Magnus to 5L or more. Do chime in, on the thread given you've done some comparatives?

Don't apply using the APAY card via C2C, most of the cases, application is getting rejected.

You have any other card with >5L limit?

 

[sri_cc]

Do chime in, on the thread given you've done some comparatives?

can you be more specific?

 

[insight]

I am just starting a similar process shortly- APAY + Plat (5L).
HDFC C2C 5L via Branch: LTF offered Regalia Gold, Diner Club Privilege, Millenia. Pros/ Cons? Others?

Have emailed Burgundy support to match my Magnus to 5L or more. Do chime in, on the thread given you've done some comparatives?

can you be more specific?

Comparison between LTF HDFC Cards and which one to get.

 

[sri_cc]

Comparison between LTF HDFC Cards and which one to get.

Long story short

• If you wanna be in the points/miles game and eventually want to move up the ladder and finally get Infinia, then Reg Gold
• If you want straight Cashback, then get Millennia
• If you want RuPay then go for Tata Neu Infinity plus

Pro tip: If you want both, non-co-branded and co-branded cards, first get the direct HDFC card (Reg Gold/Millennia) and then apply for the Tata Neu Card.

 

[sri_cc]

I just dropped a heavy worded email to
L3: grievance.redressalcc@hdfcbank.com
L4: priorityredressal.creditcards@hdfcbank.com

Let's see what happens

 

[insight]

Long story short

• If you wanna be in the points/miles game and eventually want to move up the ladder and finally get Infinia, then Reg Gold
• If you want straight Cashback, then get Millennia
• If you want RuPay then go for Tata Neu Infinity plus

Pro tip: If you want both, non-co-branded and co-branded cards, first get the direct HDFC card (Reg Gold/Millennia) and then apply for the Tata Neu Card.

What CB does M have? .. given that I already have SBI CB, APAY & Magnus?

 

[Rohith-2009]

What CB does M have? .. given that I already have SBI CB, APAY & Magnus?

Please search about hdfc Millenia credit card on Google

 

[sri_cc]

What CB does M have? .. given that I already have SBI CB, APAY & Magnus?

If you have SBI CB CC, then go for REG GOLD, which will help you get Infinia eventually.

 

[sri_cc]

I just dropped a heavy worded email to
L3: grievance.redressalcc@hdfcbank.com
L4: priorityredressal.creditcards@hdfcbank.com

Let's see what happens

sad news, here's the reply from HDFC grievance cell

Dear Mr. XXXXXXXXX

This is in continuation to our interim response dated November 02, 2023 regarding HDFC Bank credit card application # XXXXXXXXXXXXX.

On receipt of your concerns, we have ascertained that your credit card application for Regalia Gold had been reviewed as per internally laid down policy guidelines of the Bank.

The said application, however did not meet the eligibility criteria which is combination of financial / related criteria and operating /credit processes (which includes verifications, credit bureau reports and document verifications). Hence credit facility was not offered to you and we reiterate that our inability to approve your Regalia Gold credit card application does not in anyway reflect on your credit standing and your financial stability. We request you not to let this incident deter your patronage to other HDFC Bank products.

Having explaned the above, we can review for any base variant card as per eligibility criteria and you may revert to us with your consent (if interested) along with the signed MID (Most importan Document) for downgraded card type, so that we can review further as an exception. We seek your earnest understanding on the same.

In case of any other query or clarification towards your credit card account, please feel free to write to us at: customerservices.cards@hdfcbank.com and we will be glad to assist you.

In line with our focus and commitment to Customer Service, we trust that your grievance has been addressed in a fair and equitable manner and the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Principal Nodal Officer Mr. Ripal Kiritkumar Sheth at HDFC Bank Ltd., 5th Floor, tower B, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel (West), Mumbai 400013 or E-mail at pnohdfcbank@hdfcbank.com . Alternatively, you can call at Tel: 022-62841505.

Kindly note the query reference number for this e-mail is 34911442

Assuring you of our best services at all times.

Regards
Pradeep K.N
Officer - Grievance Cell
HDFC Bank Ltd

 

[macx]

I've been in a similar situation. Here's what I did.

1. Changed my account into preferred, then got behind the BM to get me an upgraded card.
2. Wrote to hdfc chennai with salary docs, to up my limit. This unlocked tata neu infinity and DCB for me

I think money-back is their Flagged card. It seems like Whoever gets it, never gets anything better 🤣🤣🤣

Not exactly true, I used Money back for few years with limit 78k and LE ~150k. Then I applied for Millenia directly from the website, but got regected.
On call will RM got it upgraded to Millenia with reduces Limit to 100K. and now stuck with 1.45 limit.
Monthly spending was about 30- 40k, now planning to just use Netflix for this till they offer something.