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

 

[lakshmiprasads18]

Nothing has worked. I kept 50 lakhs there and because an Imperia customer but it hasn't helped. After 6 months, the branch manager sent a request for upgrade to their Chennai office along with a form and my ITR but it was denied. Now it's been more than a year but I haven't tried again. They did issue me a Tata Neu Plus card with a shared limit a while back. In desperation, I even took the 1.5 lakh jumbo loan they were offering on the card and then paid it off after 3 months. Now, I no longer care. I have plenty of other cards which are better. Maybe I will request another increase in about 3 months.

That's a lot, why are Banks like this on premium customers?

 

[thunderbolt]

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.

When I told my RM that I had Millennia with 75K limit & ITR of 18L & not getting any LE/upgrade offers, she was like "Whaaat? Really?" & told me to mail the docs to Chennai for upgrade. Instead I emailed the docs with the upgrade form & got the upgrade to Regalia. After that I didn't receive any LE/upgrade offers, then I emailed my new ITR again & got upgrade to DCB.

More details here https://www.technofino.in/community...egalia-3l-to-dcb-5l-in-1-year-9-months.13673/

 

[imdjay]

When I told my RM that I had Millennia with 75K limit & ITR of 18L & not getting any LE/upgrade offers, she was like "Whaaat? Really?" & told me to mail the docs to Chennai for upgrade. Instead I emailed the docs with the upgrade form & got the upgrade to Regalia. After that I didn't receive any LE/upgrade offers, then I emailed my new ITR again & got upgrade to DCB.

More details here https://www.technofino.in/community...egalia-3l-to-dcb-5l-in-1-year-9-months.13673/

can you tell me to which email id you sent the documents?

 

[thunderbolt]

can you tell me to which email id you sent the documents?

This one: grievance.redressalcc@hdfcbank.com

 

[imdjay]

This one: grievance.redressalcc@hdfcbank.com

T H A N K S

 

[ArpanOP]

ITR or ICICI/kotak CC ki statement😛

Kotak jaisa fuddu fukke kotak ko bhi nasha na chadhe🤣

 

[ALOAK]

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

Just drop it not worth it

 

[ArpanOP]

For cc?
Earlier the acc no reported to cibil for cc was card no itself, but recently they have changed, so no idea currently

Yeah, earlier it was a mess. Got to confirm them before upgrading card it seems.

 

[varun__goel_]

Yeah, earlier it was a mess. Got to confirm them before upgrading card it seems.

Why would cc acc no matter?

 

[ArpanOP]

Why would cc acc no matter?

Becauseeeee if you close your oldest account it will affect your cibil in my case HDFC is the oldest CC.

 

[varun__goel_]

Becauseeeee if you close your oldest account it will affect your cibil in my case HDFC is the oldest CC.

Arrey it won't matter, they just update the old one, not create a new one if it is upgraded

 

[D₹V]

Huh. Matlab? 🤔

Affiliate moni bro

 

[ArpanOP]

Arrey it won't matter, they just update the old one, not create a new one if it is upgraded

Yeah, that's what I was thinking.

 

[ray8285]

Hi guys, I need some urgent help & advise on my recent HDFC credit card applications.

I had initially applied for the Tata Neu card, which HDFC after verifying my home & office address, declined saying home address verification had failed & then sent an email asking me to fill an one pager (declaration), which they had attached in their mail. I sent that across yesterday.

In the meanwhile, assuming that the Tata Neu application was a decline due to the home address issue, I applied for the Marriot BONVOY card & HDFC did a hard enquiry across all the bureaus for MB card application.

After applying I received an email from HDFC stating that since the previous application is being assessed (which I thought was declined due to the address verification nonsense), they will NOT proceed with the current MB application. I’m attaching the email for reference :-



Now again today, I received the following email from HDFC which almost makes believe that they will issue / send the card once I confirm my address ?!!!..?



I really am confused now, does this mean that they approved the MB card pending address confirmation or is it just a marketing email ? I also have NOT heard back about my previous TATA NEU application reassessment.
When I click on confirm address tab in the email, the HDFC apply now page is opening but after inputting OTP nothing is happening & also the next page is not loading ..



Can anyone help me & kindly tell me what is going on or the situation might be? Is this just a marketing email or one of the cards might be approved ? Application tracker shows no record found for both applications.

Thanks a ton for reading such a long post & for any advice in advance !

 

[amitr29]

I

Hi guys, I need some urgent help & advise on my recent HDFC credit card applications.

I had initially applied for the Tata Neu card, which HDFC after verifying my home & office address, declined saying home address verification had failed & then sent an email asking me to fill an one pager (declaration), which they had attached in their mail. I sent that across yesterday.

In the meanwhile, assuming that the Tata Neu application was a decline due to the home address issue, I applied for the Marriot BONVOY card & HDFC did a hard enquiry across all the bureaus for MB card application.

After applying I received an email from HDFC stating that since the previous application is being assessed (which I thought was declined due to the address verification nonsense), they will NOT proceed with the current MB application. I’m attaching the email for reference :-

View attachment 47665

Now again today, I received the following email from HDFC which almost makes believe that they will issue / send the card once I confirm my address ?!!!..?

View attachment 47666

I really am confused now, does this mean that they approved the MB card pending address confirmation or is it just a marketing email ? I also have NOT heard back about my previous TATA NEU application reassessment.
When I click on confirm address tab in the email, the HDFC apply now page is opening but after inputting OTP nothing is happening & also the next page is not loading ..

View attachment 47667

Can anyone help me & kindly tell me what is going on or the situation might be? Is this just a marketing email or one of the cards might be approved ? Application tracker shows no record found for both applications.

Thanks a ton for reading such a long post & for any advice in advance !

It's just a Marketing mail, don't bother applying through the link. Just sit back and relax and wait for HDFC to come up with some stupid reason to decline your card or give you the lowest category card