HDFC DCB application rejected but due to bank's fault, pathetic service and rude behaviour

[Abhay Prakash]

Considering HDFC recently discontinued the alumni offer for DCB as LTF, is there any speculation it will make a comeback in future?
I am getting DCP as LTF in my pre approved section of net banking, but want DCB as LTF, and not DCP, and also got to know it is not easy to upgrade card in HDFC and that too LTF. Any other way to get DCB as LTF?
I already have salary account in HDFC.

 

[Jhon Anand]

Considering HDFC recently discontinued the alumni offer for DCB as LTF, is there any speculation it will make a comeback in future?
I am getting DCP as LTF in my pre approved section of net banking, but want DCB as LTF, and not DCP, and also got to know it is not easy to upgrade card in HDFC and that too LTF. Any other way to get DCB as LTF?
I already have salary account in HDFC.

They're offering alumni offer with fyf cards right now. As for your question, I'm pretty sure that they won't because they introduced it to gain customers but now they have so many LTF customers that they're devaluing cards in hopes to move them to paid ones. Infinia reserve, DCB metal and regalia gold are some examples.

As for your second question, upgrading is pretty easy if you've desired spends and limit. Limit is also offered nicely time to find if you've good spends and credit distribution( not too many cards with high limits), also you can opt for salary based limit and generally banks agree for 3xsalary limit.


Sadly I also missed the train as I took Millenia from net banking then they told new can't be issued so wait for limit increase above 5L(4.2L rn) and then apply for upgrade, but then they closed it😔😔

 

[kvndsz512]

They're offering alumni offer with fyf cards right now. As for your question, I'm pretty sure that they won't because they introduced it to gain customers but now they have so many LTF customers that they're devaluing cards in hopes to move them to paid ones. Infinia reserve, DCB metal and regalia gold are some examples.

As for your second question, upgrading is pretty easy if you've desired spends and limit. Limit is also offered nicely time to find if you've good spends and credit distribution( not too many cards with high limits), also you can opt for salary based limit and generally banks agree for 3xsalary limit.


Sadly I also missed the train as I took Millenia from net banking then they told new can't be issued so wait for limit increase above 5L(4.2L rn) and then apply for upgrade, but then they closed it😔😔

i guess with lesser limit also was possible maybe not sure bcuz as per alumni criteria they were giving to many

 

[Abhay Prakash]

Hi, so I applied for DCB as LTF under alumni offer on 18th October, well before 27th October, through by visiting local branch.
When I first visited branch, the person was not available there and they asked for my phone number and said the person will home visit as I was busy for later part of day, but later the person said to come to office as he would not come.

I completed all the formalities and submitted all the required documents, and they told me that I would receive verification call with 3 days and I would soon receive the credit card. But after few days when I called back that I have not received any call, he said to wait and I will surely receive call. This carried around 10 to 15 days and later said that they are receiving communication that they have not received my salary slip and my degree, although they are not sure as they have received all the required documents, and although I again provided them pdf copy of degree, on the same day within 2 hours I received email that they have applied for credit card and within two hours I got email that my credit card application is declined.

I continued talking back to them and they assured that my application would get approved as it would come under curable but after few days again they asked for my salary slip, I provided all the latest salary slip, they again did not inform me about the status or when I tried to connect with them, they just kept beating around the bush and after 1.5 months, they said they said that the upper management is not responding, so look somewhere else. I asked what he mean by somewhere else, but he stopped responding.
The way this whole situation is managed has been terrible, the service and how I have been kept in dark.

Also the behaviour of the staffs were also not good.The person through which I applied credit card rarely replies to my messages and ignores my calls. And when rarely he picks up the call after several tries, he says that he is trying or the people are on leave or he has emailed of which I am now skeptical of. Also I tried connecting with a senior level official compared to him and he rarely talks polite and there has been instances where he rejected my call, talked rudely and saying I am traveling and cannot see these things.

I sincerely want DCB and as LTF. What to do and about my experience with bank?

 

[Jhon Anand]

i guess with lesser limit also was possible maybe not sure bcuz as per alumni criteria they were giving to many

Well I was denied by RM and grievance cell both 😔😔

 

[0xfallup]

bamboo kardo direct OMBUDSMAN mai

 

[Abhay Prakash]

I visited local branch of tier 3 city regarding application of Diners Black Credit Card as LTF, saying that I am already getting Diners Privilege as Pre Approved and was checking to get Diners Black as LTF and I do not have any existing HDFC Credit Card. They agreed, but upon asking more they said that they would be collecting my documents and then send to Chennai Branch regarding process forward.
Are they really going to approve my DCB application as LTF and thus I should apply or is it a bluff only and thus unnecessary application rejection would impact my CIBIL Score and ability to apply again in immediate future?

 

[Tejo]

I visited local branch of tier 3 city regarding application of Diners Black Credit Card as LTF, saying that I am already getting Diners Privilege as Pre Approved and was checking to get Diners Black as LTF and I do not have any existing HDFC Credit Card. They agreed, but upon asking more they said that they would be collecting my documents and then send to Chennai Branch regarding process forward.
Are they really going to approve my DCB application as LTF and thus I should apply or is it a bluff only and thus unnecessary application rejection would impact my CIBIL Score and ability to apply again in immediate future?

What basis they said pre-approved ltf?

Salary, institute?
Account .. pre-approved?

Plastic diners card will be issued as ltf, if br manager confirmed it, no need to be surprise 😁

 

[Abhay Prakash]

What basis they said pre-approved ltf?

Salary, institute?
Account .. pre-approved?

Plastic diners card will be issued as ltf, if br manager confirmed it, no need to be surprise 😁

Showing in my HDFC NetBanking App upon searching for new credit card and coming as LTF DCP

 

[Abhay Prakash]

What basis they said pre-approved ltf?

Salary, institute?
Account .. pre-approved?

Plastic diners card will be issued as ltf, if br manager confirmed it, no need to be surprise 😁

So I should apply? I only visited branch, did not contact manager there, but a bank official on desk, I said these and she said okay will give you DCB LTF, send me documents. Not sure if I would really get DCB LTF at the end

 

[arun4455]

BM has power to issue LTF card on certain cases, not sure whether she will put effort on getting the approvals.

 

[Abhay Prakash]

So should I visit directly to my manager there and ask for LTF or as the desk official saying will give LTF would be sufficient and prevent not giving LTF now?

BM has power to issue LTF card on certain cases, not sure whether she will put effort on getting the approvals.

 

[arun4455]

So should I visit directly to my manager there and ask for LTF or as the desk official saying will give LTF would be sufficient and prevent not giving LTF now?

With the documents, she will ask a document to sign. The fee will be mentioned on that document. Don't sign if it doesn't have the LTF mentioned, or cut the annual amount and write LTF and then sign.

 

[Tejo]

Showing in my HDFC NetBanking App upon searching for new credit card and coming as LTF DCP

good luck, its account based pre-approved offer*

dont apply if you have credit enquiriy in last 3 weeks, also if numerous enquires in last 3 months.

if you dont have salary slip, itr, ... dont apply from branch people ... directly apply from net banking url, take it, they will give on FYF atleast.

if you are a student ... apply from net banking only and mention as student only, the card wil be approved.

 

[Abhay Prakash]

What if I have CIBIL Enquiry in last 3 weeks, enquiry could be there due to CRED installation? How much time to wait? And how much enquiry is numerous?

good luck, its account based pre-approved offer*

dont apply if you have credit enquiriy in last 3 weeks, also if numerous enquires in last 3 months.

if you dont have salary slip, itr, ... dont apply from branch people ... directly apply from net banking url, take it, they will give on FYF atleast.

if you are a student ... apply from net banking only and mention as student only, the card wil be approved.

 

[Tejo]

What if I have CIBIL Enquiry in last 3 weeks, enquiry could be there due to CRED installation? How much time to wait? And how much enquiry is numerous?

CRED Installation will not have hard enquiry at all.

check your cibil score freely via

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

 

[Abhay Prakash]

CRED Installation will not have hard enquiry at all.

check your cibil score freely via

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

And what about getting ICICI Sapphiro Application? I got the credit card, applied during mid December

 

[Tejo]

And what about getting ICICI Sapphiro Application? I got the credit card, applied during mid December

are you salaried ?

if you applied on 15 dec, apply hdfc one on jan 16

 

[Abhay Prakash]

are you salaried ?

if you applied on 15 dec, apply hdfc one on jan 16

Yes, I am salaried.

 

[AlgoTrader]

If you apply, please share how it goes on this thread