Note: There is a follow up thread to this thread i.e. URL Decoding. That next thread is here:
www.technofino.in
I have seen in a number of threads that there is a confusion amongst us regarding whether there is going to be CIBIL hard enquiry or not while check HDFC Pre Approved offers online. In some cases there will be a hard enquiry and in some other cases there won't be while checking for Pre approved CC offers in NB or at other places....
I think I have figured it out when there will be and when there won't be:
Whatever link you click on (i.e. source link), you will come to this pre offered CC checking page first ... If your offer checking page looks like this: then there will be a HARD enquiry:
The key here is after entering mobile no & (PAN or DOB) , if the second step is 'Confirm Details" then there will be HARD enquiry...
Where as, if this offer checking page looks like below: ( 2nd step being 'Choose your card') then there won't be any cibil enquiry until the next step where you confirm your details.
Here any pre approved cc will dispaly at the second step itself, if you go to the next step and confirm details then there will be hard enquiry...
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In a nutshell,
If the order is like this ( Confirm Details and Choose Card) then there will be a Hard Enquiry
If the order is like this ( Choose Your Card and Confirm Detials) then there will be NO Enquiry
If this was already discussed , please ignore this post...
Any opinions??
HDFC Pre approved Credit Card Application URL - Decoded...
This thread is in continuation to my previous thread My Previous thread is here: https://www.technofino.in/community/threads/hdfc-cc-pre-apporved-offer-cibil-hit-or-not-decoded-i-think.14680/ URL Decoding - HDFC Card Applcation : Disclaimer: This is going to be a very lengthy post. The...
www.technofino.in
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HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded
HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded
I have seen in a number of threads that there is a confusion amongst us regarding whether there is going to be CIBIL hard enquiry or not while check HDFC Pre Approved offers online. In some cases there will be a hard enquiry and in some other cases there won't be while checking for Pre approved CC offers in NB or at other places....
I think I have figured it out when there will be and when there won't be:
Whatever link you click on (i.e. source link), you will come to this pre offered CC checking page first ... If your offer checking page looks like this: then there will be a HARD enquiry:
The key here is after entering mobile no & (PAN or DOB) , if the second step is 'Confirm Details" then there will be HARD enquiry...
Where as, if this offer checking page looks like below: ( 2nd step being 'Choose your card') then there won't be any cibil enquiry until the next step where you confirm your details.
Here any pre approved cc will dispaly at the second step itself, if you go to the next step and confirm details then there will be hard enquiry...
------------------------------------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------------------------------------
In a nutshell,
If the order is like this ( Confirm Details and Choose Card) then there will be a Hard Enquiry
If the order is like this ( Choose Your Card and Confirm Detials) then there will be NO Enquiry
If this was already discussed , please ignore this post...
Any opinions??
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