HDFC CREDIT CARD APPLICATION MESS

[lakshmiprasads18]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

 

[D₹V]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

DCB upgrade from business Moneyback? Lol

Not possible 😞.

 

[lakshmiprasads18]

DCB upgrade from business Moneyback? Lol

Not possible 😞.

What should I do now should I close the card and apply again for different variant again??

 

[SSV]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

Very important thing , Never ever take your first HDFC card, if that is not what you want for a long term…Follow my posts in this subject matter for more details..

 

[Deleted member 21942]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

HDFC Moneyback can't even get your money back in the form of cashback forget about DCB.

 

[lakshmiprasads18]

HDFC Moneyback can't even get your money back in the form of cashback forget about DCB.

I got it what you said, what should I do now please guide me?

 

[bossman]

Limit Enhancement is much difficult in HDFC. Many here have been stuck with low limit for years. Don't activate the card. You may have to wait for the 6 months then. After that, if you have other bank's card, go via c2c option so you get a decent amount.

 

[Deleted member 21942]

I got it what you said, what should I do now please guide me?

Better to close this credit card and open HDFC bank account. Keep atleast Rs 3-4 lacs in it, do decent transactions for the next 6 months and wait for a better pre approved credit card offer.

 

[D₹V]

What should I do now should I close the card and apply again for different variant again??

You should have applied DCB/Infinia direct from branch basis on your ITR instead of this shit.

Kindly close this.

 

[shrewdoc]

15000 limit for ITR of 36L 🤣 and that too after Initial Rejection.

Also, stay away from the cursed Moneyback. Don't activate.

 

[CCnewbie]

Don't activate. Please 🙏🏼

 

[sgoyal9]

Do not activate. Close the card or wait for auto closure after 30 days.
Apply for DCB directly via branch based on ITR or C2C if they allow.

 

[cpkalariya]

Limit Enhancement is much difficult in HDFC. Many here have been stuck with low limit for years. Don't activate the card. You may have to wait for the 6 months then. After that, if you have other bank's card, go via c2c option so you get a decent amount.

Truly said. Option that tests your patience.

 

[Trust Me]

Also, stay away from the cursed Moneyback.

When I got mine 8 years back, I did not have much idea about the various CC offerings of Indian private banks. Citibank had closed my CC when I moved out of Bangalore to a non-serviceable city, and I had closed my SCB CC myself. So I was glad to have an LTF CC from HDFC. Now it looks like they will never offer me an upgrade despite being an Imperia customer! The problem is, I can't close it because it is my oldest active card with a perfect payment record.

Limit Enhancement is much difficult in HDFC. Many here have been stuck with low limit for years.

HDFC is very unpredictable that way! I've always received decent, automatic LEs, so I can't complain in that regard (but never had an upgrade offer)!

 

[Lobogris]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

My ITR is higher then yours and yet I am stuck with this same card with just 62k limit for over a year. No limit increase or upgrade allowed.

 

[Hisoka]

HDFC is weird. I hold 3 HDFC cards, Millenia, Tata Neu and Swiggy. Recently I applied for Mariott card, I got a mail that I already hold HDFC card and my application is put on hold. Few days later, I got a message that my application is approved and card is dispatched LOL.

 

[lakshmiprasads18]

My ITR is higher then yours and yet I am stuck with this same card with just 62k limit for over a year. No limit increase or upgrade allowed.

Anything you did regarding uprade which has worked out for you to upgrade the card?

 

[jade]

Maybe open a salary account and negotiate for a card. I am sure you can get Regalia. You can convert Regalia to DCB latter.

 

[lakshmiprasads18]

Maybe open a salary account and negotiate for a card. I am sure you can get Regalia. You can convert Regalia to DCB latter.

I'm a self employed, in this situation how can I negotiate

 

[jade]

I'm a self employed, in this situation how can I negotiate

How about a FD backed infinia?