HDFC Credit Card rejected after address verification.

[Prithi]

Hi everyone! I applied for HDFC Pixel Credit Card from PayZapp on 24th Dec. Completed vKYC same day. On 26th Dec, a person came for address verification. Took photos of me and our home. He confirmed that verification is complete and I will be getting approval message within a day. Next day (27th), I got an SMS saying that my application has been processed. So I click the link to check the status and it said that the card is rejected. What went wrong? I am self-employed, so home address and office address is same. Is that the reason? If that's the reason, then I doubt there's any use of applying again after 60 days.

 

[rajcasio]

AXIS too did the same for me even though they know that i'm not eligible for the 4th card.

 

[drsel]

Hi everyone! I applied for HDFC Pixel Credit Card from PayZapp on 24th Dec. Completed vKYC same day. On 26th Dec, a person came for address verification. Took photos of me and our home. He confirmed that verification is complete and I will be getting approval message within a day. Next day (27th), I got an SMS saying that my application has been processed. So I click the link to check the status and it said that the card is rejected. What went wrong? I am self-employed, so home address and office address is same. Is that the reason? If that's the reason, then I doubt there's any use of applying again after 60 days.

Yes your home address and office address should be different
that's the reason for rejection

 

[drsel]

AXIS too did the same for me even though they know that i'm not eligible for the 4th card.

I got 5 credit cards of Axis Bank, due to the Citibank merger

 

[Prithi]

Yes your home address and office address should be different
that's the reason for rejection

That would mean Self-employed people who work from home would never be able to apply for a HDFC credit card.

 

[drsel]

That would mean Self-employed people who work from home would never be able to apply for a HDFC credit card.

Correct and HDFC mentions this clearly during the application process

 

[Prithi]

Correct and HDFC mentions this clearly during the application process

Didn't see it mentioned while applying via PayZapp.

 

[drsel]

Didn't see it mentioned while applying via PayZapp.

Apply through hdfcbank.com or cash karo and you will see it

 

[Prithi]

Apply through hdfcbank.com or cash karo and you will see it

Yeah. Just checked some videos on YouTube.
They should add it on Payzapp as well to avoid confusion.

 

[surojitlaha]

Mail Grievance Redressal cc team and ask them to reconsider your application.

 

[ashish2112]

Mail Grievance Redressal cc team and ask them to reconsider your application.

What's their email?

 

[surojitlaha]

What's their email?

grievance.redressalcc@hdfcbank.com (All The Best)

 

[Prithi]

Mail Grievance Redressal cc team and ask them to reconsider your application.

Got reply. As expected, it's due to the office address.
My office address is same as home address because I am self-employed and work from home. Also got a call from HDFC bank regarding the same. He had no idea what a freelancer is.
What should I do now? I have multiple credit cards, but never faced this issue.

 

[Dreams Of Desire 💓]

Got reply. As expected, it's due to the office address.
My office address is same as home address because I am self-employed and work from home. Also got a call from HDFC bank regarding the same. He had no idea what a freelancer is.
What should I do now? I have multiple credit cards, but never faced this issue.

Home address PRIThI
office address priti.
Change or intermingle your address while applying

 

[love4cards]

What did you ask in your email? And what reply did you get?

 

[surojitlaha]

Got reply. As expected, it's due to the office address.
My office address is same as home address because I am self-employed and work from home. Also got a call from HDFC bank regarding the same. He had no idea what a freelancer is.
What should I do now? I have multiple credit cards, but never faced this issue.

I don't know if it's right or wrong but you
u can put details of one of your friends home as your workplace. And can you please specify your freelancing work so that I can assist you better

 

[SpaceBar]

Got reply. As expected, it's due to the office address.
My office address is same as home address because I am self-employed and work from home. Also got a call from HDFC bank regarding the same. He had no idea what a freelancer is.
What should I do now? I have multiple credit cards, but never faced this issue.

If you just need a credit card from HDFC, try HDGC GIGA card which is tailored for the freelancer. So you can apply after 6 months. I also request you, if possible try to open a savings account with them, this will bypass the physical verification in most of the times.

 

[Prithi]

What did you ask in your email? And what reply did you get?

I asked for the reason of rejection. Got the following reply:

I don't know if it's right or wrong but you
u can put details of one of your friends home as your workplace.

But they'll still do physical verification. Right? So there's chance of rejection again.

And can you please specify your freelancing work so that I can assist you better

Mostly product designs and website designs. Right now I am doing it part-time. Currently pursuing my Masters full-time.

I hold credit cards from almost all major banks. Only HDFC is missing. I put employment as Self-employed, designation as owner and office address same as home address for all of them and got approved.

 

[SpaceBar]

I asked for the reason of rejection. Got the following reply:

View attachment 79736


But they'll still do physical verification. Right? So there's chance of rejection again.


Mostly product designs and website designs. Right now I am doing it part-time. Currently pursuing my Masters full-time.

I hold credit cards from almost all major banks. Only HDFC is missing. I put employment as Self-employed, designation as owner and office address same as home address for all of them and got approved.

Actually they verify only at one location. May be at home address or office address.

 

[surojitlaha]

I asked for the reason of rejection. Got the following reply:

View attachment 79736


But they'll still do physical verification. Right? So there's chance of rejection again.


Mostly product designs and website designs. Right now I am doing it part-time. Currently pursuing my Masters full-time.

I hold credit cards from almost all major banks. Only HDFC is missing. I put employment as Self-employed, designation as owner and office address same as home address for all of them and got approved.

Just edit your home address a little and use it as your office address.
Mention in the from that you are a product designer or website designer