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

 

[SSV]

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

First thing, Don’t activate business MB card..
Call them and cancel the card immediately..

Do you have any SB account with them?

 

[souvikr]

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..

It's not like that. People do get upgrades. I started with Freedom. Got 2 upgrades so far. Freedom -> Moneyback Plus -> Millenia.

 

[SSV]

It's not like that. People do get upgrades. I started with Freedom. Got 2 upgrades so far. Freedom -> Moneyback Plus -> Millenia.

How long it took?

 

[souvikr]

How long it took?

First upgrade on 5th year, second upgrade on 6th year.

 

[SSV]

First upgrade on 5th year, second upgrade on 6th year.

Here we are talking about much more quickly.. like 1 to 2 years

 

[SSV]

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..

First upgrade on 5th year, second upgrade on 6th year.

5 to 6 years is a kind of long term..

 

[RishiKiDev]

5 to 6 years is a kind of long term..

The HDFC saga continues.

Same sh*t, different day. 😂

 

[souvikr]

Here we are talking about much more quickly.. like 1 to 2 years

5 to 6 years is a kind of long term..

Actually I started using it regularly from 4th year onwards. Before that it was just sitting idle. So I got 2 upgrades for 2 years of regular use.

 

[SSV]

Actually I started using it regularly from 4th year onwards. Before that it was just sitting idle. So I got 2 upgrades for 2 years of regular use.

Understood..
That might also be a factor... As you intitally didn't use it for 3 years and started using afterwrds might actually caused the upgrade..
Who knows when you used it from Day 1.. you might have stuck with infamous MB+.. like a lot of people have reported...
Banks work in mysterious ways with regard to their credit products...

In a about next 6 months I will let you know what is my first HDFC card with CL ... that would be one year from account opening with them...

 

[ArpanOP]

My first card was from HDFC, 2 years after holding a savings account got Regalia Business with a limit of 3lakhs. Now after 4+ years with LE it's 5lakhs. Also LTF and self employed with 0 salary to save **x . 🙃

 

[lakshmiprasads18]

First thing, Don’t activate business MB card..
Call them and cancel the card immediately..

Do you have any SB account with them?

Yeah I recently opened a savings Max account

 

[RishiKiDev]

My first card was from HDFC, 2 years after holding a savings account got Regalia Business with a limit of 3lakhs. Now after 4+ years with LE it's 5lakhs. Also LTF and self employed with 0 salary to save **x . 🙃

How much is your annual spends on the card since past 4 years?
Did you take any loan offers from HDFC?

 

[SSV]

Yeah I recently opened a savings Max account

okay, what is your aim ? how long you can wait for it?

 

[RishiKiDev]

okay, what is your aim ? how long you can wait for it?

You're a monk. I don't think anyone can wait longer than you. 😅

 

[SSV]

You're a monk. I don't think anyone can wait longer than you. 😅

Patience is very key to attain our objective..
there are differences among Test match ,ODI and T20s..
The real cricket is always Test match where your patience and class are tested

 

[varun__goel_]

Yeah I recently opened a savings Max account

Then just close trashback. Wait for few months if not in a hurry to get hdfc cc, because for hdfc pre approved is the best way to go for, otherwise they will just continue this saga
Just maintain few lakhs, and make spends via dc

 

[RishiKiDev]

Patience is very key to attain our objective..
there are differences among Test match ,ODI and T20s..
The real cricket is always Test match…

Words of wisdom. 👌🏻

 

[lakshmiprasads18]

okay, what is your aim ? how long you can wait for it?

Like I can wait for some time, I already have a Indusind Bank credit card with 8lakhs limit that too secured one, thinking of doing C2C on that basis after 6 months

 

[RishiKiDev]

Like I can wait for some time, I already have a Indusind Bank credit card with 8lakhs limit that too secured one, thinking of doing C2C on that basis after 6 months

Better to wait for Pre-approved credit card offer.
Atleast you'll know the card variant and limit beforehand.

 

[varun__goel_]

Like I can wait for some time, I already have a Indusind Bank credit card with 8lakhs limit that too secured one, thinking of doing C2C on that basis after 6 months

Don't go for C2C unless you have amex sbi or axis with good limits. Otherwise you will again fall in same situation, best is pre approved