Dhm66
TF Buzz
In October 2022 I opened a 10K AMB account via VKYC with Hdfc.. I got msgs and emails from hdfc about 1500 voucher and pre-approved Ltf cc(most of people get this msgs from them) So I clicked on the link and verified my registered ph no, used cust id and then chose occupation and filled company name and Net salary..(working in a Listed MNC) after this I found that I'm eligible for 5 ccs (DCB, DCP, SSBlack, Equitas Elegance and one more from Equitas) I chose DCB from this bouquet and proceeded further- Residence address was autofilled then next was office address then chose smart pay for FYF ( I'm also aware of 1.5L spend condition within 90 days) now on the next screen It took some time and then I got Brownie points for hdfc employees--I want to have 1500 vouchers benefit so I left this and proceeded further..on the next screen I got docs upload page ( I dont know from where I got this coz at the beginning of application there was mentioned NO Docs needed on the banner) Nevermind I tried to upload kyc docs and pay slip etc but got this -plz check the attached screenshot - I was using smartphone for this application so the CTRL remark mentioned in the ss was useless..so I just clicked on the Help option which was in top right - I thought there could be any guideline related to this issue..but couldn't find any related point to this specific issue..so I closed that page and what I saw that application page was not there and found the apply credit page where applicants usually start their cc application process..(put your phone no and captcha etc)
That time(4th Nov approx 2am) I thought I need to do everything again so I left this and slept.
Same day in the mrng I got many calls from Hdfc Tele assist PUNE 02067681800/3000/3300 Couldn't take any calls due to my busy schedule, whole day I got approx 10 or more calls from their side..but couldn't talk with them..in the evening I checked my Cibil report, I was surprised to see that Hdfc cc did a hard enquiry of 1000/- (that application was never got submitted and at that time didn't have the 16digit Ref. No.)
How is this possible that without submitting the cc application hdfc did a hard pull?
I rushed to hdfc site and due to curiosity tried to check the cc application status -with my registered ph no and DOB I found that 16DIGITS REF.NO WAS THERE) DAMN SURPRISED TO CHECK THIS.. coz I couldn't uploaded the listed documents due to that CTRL error.
OkToday at 9am I got a call from same Hdfc tele assist Pune and I had word with him- He told me ki "Sir aapne credit card ke liye kab apply kiya tha...I replied 4th Nov..then He asked.."kya aapko 16digit ka Ref no jo ki 22J/K se start hota he vo Mila tha"... I replied Mila toh nhi tha but I tracked it and Got it..After that he told me that "sir aapko apka cc 7-8 days me aapke diye gaye address pe deliver ho jayega" (you will get your cc on ur address within 7-8 days) I asked him any verification gonna happen? He replied You can get a call where executive will confirm your Office and Resi address.. that's it.. He also added- when you already got the 16digit ref no..it means ur application is submitted and you don't need to provide anything else.
So now after is long description I have few queries for the CC enthusiasts present here--
---I have tracked with that 16digit Ref no and application status is IN PROCESS...Will I get the CC without providing any documents?
--- my Cibil score is 795 (with 100% on time payment track record)and I'm a salaried employee in a listed company (Senior/Top management designation) Will I get DCB?
---- I'm having 5 Credit cards of 5L plus CL..and Recently accepted a Pre-approved insta HL offer of Icici bank.
Are these facts count as a Plus or Minus?
---- Last time had a CC enquiry in the Nov 2021..after that I haven't applied for any cc, but yeah Pre-approved HL's hard enquiry exists.
Please enlighten me with your knowledge.. Thanks a lot.. Dhanyawaad.. aabhar 🙌🏻🙏🏻🤟🏻
That time(4th Nov approx 2am) I thought I need to do everything again so I left this and slept.
Same day in the mrng I got many calls from Hdfc Tele assist PUNE 02067681800/3000/3300 Couldn't take any calls due to my busy schedule, whole day I got approx 10 or more calls from their side..but couldn't talk with them..in the evening I checked my Cibil report, I was surprised to see that Hdfc cc did a hard enquiry of 1000/- (that application was never got submitted and at that time didn't have the 16digit Ref. No.)
How is this possible that without submitting the cc application hdfc did a hard pull?
I rushed to hdfc site and due to curiosity tried to check the cc application status -with my registered ph no and DOB I found that 16DIGITS REF.NO WAS THERE) DAMN SURPRISED TO CHECK THIS.. coz I couldn't uploaded the listed documents due to that CTRL error.
OkToday at 9am I got a call from same Hdfc tele assist Pune and I had word with him- He told me ki "Sir aapne credit card ke liye kab apply kiya tha...I replied 4th Nov..then He asked.."kya aapko 16digit ka Ref no jo ki 22J/K se start hota he vo Mila tha"... I replied Mila toh nhi tha but I tracked it and Got it..After that he told me that "sir aapko apka cc 7-8 days me aapke diye gaye address pe deliver ho jayega" (you will get your cc on ur address within 7-8 days) I asked him any verification gonna happen? He replied You can get a call where executive will confirm your Office and Resi address.. that's it.. He also added- when you already got the 16digit ref no..it means ur application is submitted and you don't need to provide anything else.
So now after is long description I have few queries for the CC enthusiasts present here--
---I have tracked with that 16digit Ref no and application status is IN PROCESS...Will I get the CC without providing any documents?
--- my Cibil score is 795 (with 100% on time payment track record)and I'm a salaried employee in a listed company (Senior/Top management designation) Will I get DCB?
---- I'm having 5 Credit cards of 5L plus CL..and Recently accepted a Pre-approved insta HL offer of Icici bank.
Are these facts count as a Plus or Minus?
---- Last time had a CC enquiry in the Nov 2021..after that I haven't applied for any cc, but yeah Pre-approved HL's hard enquiry exists.
Please enlighten me with your knowledge.. Thanks a lot.. Dhanyawaad.. aabhar 🙌🏻🙏🏻🤟🏻
