HDFC credit card C2C fraud

[the_collector]

Hi Guys,

I wanted to get a HDFC credit card for my dad so I visited the nearest branch.

The executive told me to open a savings max account and he can get regalia gold LTF on C2C basis.

My dad has kotak and icici with 5L limits.

I agreed and we opened the account. He came and made us sign the C2C form ( I checked it was regalia gold ticked).

Few days later, upon checking , the application was declined with no reason mentioned.

And a few more days later, my dad got a message that his hdfc card has been dispatched.

Upon checking the app, we could see Money-back plus with a limit of 80k.

How can hdfc issue a card without consent? When the application specifically mentioned regalia gold ?

We are yet to receive the card but I have reached out to the executive to confirm if it's LTF and what happened.

While I wait to hear from him, I wanted to know if anyone has faced this? And what would be the next best step?

Should I just not activate the card? Is there anyway I can still get regalia gold?

Or should I take it ( if it's LTF) and will we get upgraded soon?

 

[Gaara]

Or should I take it ( if it's LTF) and will we get upgraded soon?

Do not make that mistake. Legends on TF have been holding that card for 15 years, and I’ve had it for one year myself. The chances of getting it upgraded are close to Zero.

 

[Das.N]

It will take an eternity to upgrade moneyback to Regalia Gold. HDFC did this with many people, I heard about this before.
They want to issue everyone their infamous Funnyback Minus card.
That card doesn't worth at all even it's given ltf.
I suggest you to not activate the card.
And if your dad has already opened a HDFC savings account, better pre approved offer will come and you should wait for that.
And one word specially for HDFC: aa thooo.

 

[amitr29]

Hi Guys,

I wanted to get a HDFC credit card for my dad so I visited the nearest branch.

The executive told me to open a savings max account and he can get regalia gold LTF on C2C basis.

My dad has kotak and icici with 5L limits.

I agreed and we opened the account. He came and made us sign the C2C form ( I checked it was regalia gold ticked).

Few days later, upon checking , the application was declined with no reason mentioned.

And a few more days later, my dad got a message that his hdfc card has been dispatched.

Upon checking the app, we could see Money-back plus with a limit of 80k.

How can hdfc issue a card without consent? When the application specifically mentioned regalia gold ?

We are yet to receive the card but I have reached out to the executive to confirm if it's LTF and what happened.

While I wait to hear from him, I wanted to know if anyone has faced this? And what would be the next best step?

Should I just not activate the card? Is there anyway I can still get regalia gold?

Or should I take it ( if it's LTF) and will we get upgraded soon?

Welcome to the Club 😁 This is most common practice of HDFC.. Anything you do, will not change this decision of theirs. Don't activate and cancel the card

 

[Tejo]

And a few more days later, my dad got a message that his hdfc card has been dispatched.

Upon checking the app, we could see Money-back plus with a limit of 80k.

Not just you, several faced same.

I think few agents were re-using those past docs for targets.

Seems sbi and hdfc agents on same track.

 

[iSayyed]

I was pre-approved for Regalia Gold. I didn't give a damn for three long months, but one day I decided to take it. I went through the process, but at the end, they say we can issue an HDFC Swiggy card instead of Regalia Gold. I had no choice but to accept it. I didn't much think about it that time, but after reading this thread, I am realising that this is the usual drama they do?! Anyway, no issue for me as I order more on Swiggy. This co-branded card comes in handy.

 

[Lobogris]

Welcome to the Gang 😁 This is most common practice of HDFC.. Anything you do, will not change this decision of theirs. Don't activate and cancel the card

Do you know why HDFC does this? Even I had applied for Millenia via C2C about 2.5 years back and it was denied despite excellent CIBIL score and 8 lakhs limit on the existing card. Then, after about 3 months, they sent me a Moneyback card on their own with just 60k limit. That card was never upgraded, nor any limit enhancement after 1.5 years of use despite having an Imperia account and good ITR. Thankfully got Infinia now by other means.

 

[the_collector]

Wow, so many people facing/faced this issue just makes me think that hdfc knows exactly what it's doing.

I am sure my dad was eligible for the regalia gold as his transactions were good and the executive also said that any card with 5L limit will get approved instantly. He was NTB and has a good cibil score + history.

So reaching out through grievance and to PNO won't help? I won't be able to convert this one immediately now?

I'm glad I posted my question here before activating it😅

 

[Lobogris]

Wow, so many people facing/faced this issue just makes me think that hdfc knows exactly what it's doing.

I am sure my dad was eligible for the regalia gold as his transactions were good and the executive also said that any card with 5L limit will get approved instantly. He was NTB and has a good cibil score + history.

So reaching out through grievance and to PNO won't help? I won't be able to convert this one immediately now?

I'm glad I posted my question here before activating it😅

No. I reached out to grievance redressal, priority redressal and PNO several times. Submitted ITR which was way higher than required but no luck. Self employed though.

 

[Tejo]

Wow, so many people facing/faced this issue just makes me think that hdfc knows exactly what it's doing.

I am sure my dad was eligible for the regalia gold as his transactions were good and the executive also said that any card with 5L limit will get approved instantly. He was NTB and has a good cibil score + history.

So reaching out through grievance and to PNO won't help? I won't be able to convert this one immediately now?

I'm glad I posted my question here before activating it😅

Hdfc strict towards aged people. Not joke

 

[Tejo]

No. I reached out to grievance redressal, priority redressal and PNO several times. Submitted ITR which was way higher than required but no luck. Self employed though.

Just don't activate.

Try cards grievance (#not pno) Just confuse them if they ask to send docs to legendary Chennai office ... convince them to accept scanned copies.

 

[the_collector]

No. I reached out to grievance redressal, priority redressal and PNO several times. Submitted ITR which was way higher than required but no luck. Self employed though.

My dad's self employed too. Could be the case then? Thanks for your input, I'd rather not waste time on it. He really wanted the regalia gold but looks like we'll have to wait for a pre approved offer. Any idea if simply maintaining the 25k in the account would suffice to trigger the CC pre approved offer?

We have kotak family banking and I opened hdfc mainly with this in mind.

Hdfc strict towards aged people. Not joke

Could be the case, but I personally have faced low limit and constant decline with hdfc and I'm not yet old 😅

 

[Tejo]

My dad's self employed too. Could be the case then? Thanks for your input, I'd rather not waste time on it. He really wanted the regalia gold but looks like we'll have to wait for a pre approved offer. Any idea if simply maintaining the 25k in the account would suffice to trigger the CC pre approved offer?

We have kotak family banking and I opened hdfc mainly with this in mind.

Could be the case, but I personally have faced low limit and constant decline with hdfc and I'm not yet old 😅

Don't activate it

Open imperia with initial funding... follow

Just don't activate.

Try cards grievance (#not pno) Just confuse them if they ask to send docs to legendary Chennai office ... convince them to accept scanned copies.

 

[hema220]

Do not make that mistake. Legends on TF have been holding that card for 15 years, and I’ve had it for one year myself. The chances of getting it upgraded are close to Zero.

but, I got regalia upgrade offer within 1 year and I accepted regalia upgrade offer after 2 years only, now holding regalia gold. After reading the stories in TF, now felt I am very lucky.

 

[Gaara]

but, I got regalia upgrade offer within 1 year and I accepted regalia upgrade offer after 2 years only, now holding regalia gold. After reading the stories in TF, now felt I am very lucky.

Would you like to elaborate on your relationship with HDFC, the credit limit, MB+ to regalia gold? and the possible reasons for the upgrade (such as high usage of HDFC cards)?

 

[hema220]

My first credit card is money back without any credit history. It started in 2018, I am holding salary account with them till 2021. credit limit started with 56k, within one year, if I remember exactly I got 2 or 3 LEs and CL crossed 2L and my spends are moderate I.e. 10k-50k. All my spends are in this card only as it's my only card until 2020. By 2021, my CL is around 4L and regalia upgrade offer is also available but I didn't take it because I am happy with Money back card and newly added SBI ola card, with ola card I almost got 7% discount every where with ola money prepaid card. Some where in 2021, i upgraded my card to regalia because that time it was offer as ltf. By 2022, CL reached to 6L+ with 2 more LE, at this time hdfc is not my salary account. From 2023 onwards, regalia gold upgrade is available but I was not interested because features are almost same and regalia is ltf but regalia gold is fyf. Some where in October 2023, upgrade to regalia gold because no regalia went for spend based lounge access. from 2021 my spends are 5L+ annually.

 

[amitr29]

My dad's self employed too. Could be the case then? Thanks for your input, I'd rather not waste time on it. He really wanted the regalia gold but looks like we'll have to wait for a pre approved offer. Any idea if simply maintaining the 25k in the account would suffice to trigger the CC pre approved offer?

We have kotak family banking and I opened hdfc mainly with this in mind.

Could be the case, but I personally have faced low limit and constant decline with hdfc and I'm not yet old 😅

Two things, self employed and old age, don't even waste your time with HDFC. I am 40 with ITR of 24L Plus but self employed. Hence, HDFC is allergic to me and gave Moneyback, though applied for Regalia Gold. Reached out Even to MD desk but absolutely no use and they didn't budge.

 

[RAMESH BABU N]

Just 3 WORDS.

JOKERS.
IDIOTS.
USELESS.

 

[Gaara]

My first credit card is money back without any credit history. It started in 2018, I am holding salary account with them till 2021. credit limit started with 56k, within one year, if I remember exactly I got 2 or 3 LEs and CL crossed 2L and my spends are moderate I.e. 10k-50k. All my spends are in this card only as it's my only card until 2020. By 2021, my CL is around 4L and regalia upgrade offer is also available but I didn't take it because I am happy with Money back card and newly added SBI ola card, with ola card I almost got 7% discount every where with ola money prepaid card. Some where in 2021, i upgraded my card to regalia because that time it was offer as ltf. By 2022, CL reached to 6L+ with 2 more LE, at this time hdfc is not my salary account. From 2023 onwards, regalia gold upgrade is available but I was not interested because features are almost same and regalia is ltf but regalia gold is fyf. Some where in October 2023, upgrade to regalia gold because no regalia went for spend based lounge access. from 2021 my spends are 5L+ annually.

You have extensively used that card and relation with HDFC, whereas I never used that card as its reward rate is very low. So, I guess that’s the reason I never got LE or upgrades with it.

 

[amitr29]

My first credit card is money back without any credit history. It started in 2018, I am holding salary account with them till 2021. credit limit started with 56k, within one year, if I remember exactly I got 2 or 3 LEs and CL crossed 2L and my spends are moderate I.e. 10k-50k. All my spends are in this card only as it's my only card until 2020. By 2021, my CL is around 4L and regalia upgrade offer is also available but I didn't take it because I am happy with Money back card and newly added SBI ola card, with ola card I almost got 7% discount every where with ola money prepaid card. Some where in 2021, i upgraded my card to regalia because that time it was offer as ltf. By 2022, CL reached to 6L+ with 2 more LE, at this time hdfc is not my salary account. From 2023 onwards, regalia gold upgrade is available but I was not interested because features are almost same and regalia is ltf but regalia gold is fyf. Some where in October 2023, upgrade to regalia gold because no regalia went for spend based lounge access. from 2021 my spends are 5L+ annually.

Salaried and salary account with them is always their comfort point. You fit into their ideal client criteria