HDFC Declined Card Application due to Add On

[harshgupta940]

Hey TF Members,

Two days back I received a call from a HDFC RM (Not the classic banking RM) for my mom's account and she told me that the DCB add on I have received is Dormant I would need to do a txn using it and I said that I will do and after that she told me that I have a pre-approved offer for Swiggy HDFC on this account and I agreed to it and applied. After applying through the CC Agent she transferred the call to, I got the application successfully received message & application number but on scrolling the screen this message also showed up.


I asked the Agent or the CC Team what they call it about this, and he said that it might be a glitch, and we have successfully received your application.

Today I received the email that due to their "internal policies" they would not be able to approve the application and hence they declined.

Then I called my HDFC Classic Banking RM and he connected me to the CC Team again and upon checking he said that as this is my second card it is declined, I asked him that this is my first credit card, and he said that he can see DCB on the account and I asked him that this was an add on and you are also aware that a house wife will not be eligible for DCB as primary and then he said that nothing can be done as its now rejected and you need to apply for the card after some time.
So my LTF offer is missed now.

I am going to raise it to Grievance redressal, but does anyone has any experience of getting an already rejected application to get accepted?

 

[harshgupta940]

Now as per HDFC Team if I am having a Add On Card which is a Core Credit Card I cannot apply for a second credit card. I am not sure how is this even possible.

Here is their response to the email I sent to grievance redressal

This is with reference to your e-mail dated October 19, 2024 regarding the credit card application.


We have liased with our concenred team and we wish to inform you that as your add on card is core card you are not eligible to apply for the second card. We seek your kind understanding in this regard.


Kindly note the query reference number for this e-mail:

Assuring you of our best services.

 

[D₹V]

Now as per HDFC Team if I am having a Add On Card which is a Core Credit Card I cannot apply for a second credit card. I am not sure how is this even possible.

Here is their response to the email I sent to grievance redressal

Close add on card & ask GRC to reconsider the application.

They'll surely do it.

 

[harshgupta940]

Close add on card & ask GRC to reconsider the application.

They'll surely do it.

After closing can we reapply for the add on

 

[Ram1]

Hdfc add on system is total failure.
It acts as primary card in their customer id. They can take loans from ur card too😂

 

[BVCBVC is verified member.]

After closing can we reapply for the add on

My wife having two HDFC core cards on her name taken first, later I applied add on Infinia for her. All are active.

 

[BVCBVC is verified member.]

Hdfc add on system is total failure.
It acts as primary card in their customer id. They can take loans from ur card too😂

Loan can applied on Add on? This is something new I am hearing 😳😱

 

[Ram1]

Loan can applied on Add on? This is something new I am hearing 😳😱

Yeah, i took add on card for my dcb for friend. Surprisingly its showing as one of his cards in app. First i thought its just for show purpose.
Later things got wild.
He tried to apply pixel card, on his card list to split limit, my card also showing. So they can pixel using our add on.

Another thing is he got calls repeatedly for a loan, he asked on which card, they claimed on my dcb add on😂😂

 

[BVCBVC is verified member.]

Yeah, i took add on card for my dcb for friend. Surprisingly its showing as one of his cards in app. First i thought its just for show purpose.
Later things got wild.
He tried to apply pixel card, on his card list to split limit, my card also showing. So they can pixel using our add on.

Another thing is he got calls repeatedly for a loan, he asked on which card, they claimed on my dcb add on😂😂

One small suggestion, never apply add on cards for friends.

 

[Ram1]

One small suggestion, never apply add on cards for friends.

I agree but I thought its everything will be under my control just like IndusInd, kotak, sbi.
But it gave total authority and otps to add on card holder

 

[CardSeeker]

Hey TF Members,

Two days back I received a call from a HDFC RM (Not the classic banking RM) for my mom's account and she told me that the DCB add on I have received is Dormant I would need to do a txn using it and I said that I will do and after that she told me that I have a pre-approved offer for Swiggy HDFC on this account and I agreed to it and applied. After applying through the CC Agent she transferred the call to, I got the application successfully received message & application number but on scrolling the screen this message also showed up.
View attachment 72567

I asked the Agent or the CC Team what they call it about this, and he said that it might be a glitch, and we have successfully received your application.

Today I received the email that due to their "internal policies" they would not be able to approve the application and hence they declined.

Then I called my HDFC Classic Banking RM and he connected me to the CC Team again and upon checking he said that as this is my second card it is declined, I asked him that this is my first credit card, and he said that he can see DCB on the account and I asked him that this was an add on and you are also aware that a house wife will not be eligible for DCB as primary and then he said that nothing can be done as its now rejected and you need to apply for the card after some time.
So my LTF offer is missed now.

I am going to raise it to Grievance redressal, but does anyone has any experience of getting an already rejected application to get accepted?

Any update ?
So addon card holders won't get primary card ?

 

[kiwi195]

In the same boat. Not getting any offers due to holding an add on card

 

[kvndsz512]

Yeah, i took add on card for my dcb for friend. Surprisingly its showing as one of his cards in app. First i thought its just for show purpose.
Later things got wild.
He tried to apply pixel card, on his card list to split limit, my card also showing. So they can pixel using our add on.

Another thing is he got calls repeatedly for a loan, he asked on which card, they claimed on my dcb add on😂😂

check dm plz 😛

 

[sauravkumar]

Yeah, i took add on card for my dcb for friend. Surprisingly its showing as one of his cards in app. First i thought its just for show purpose.
Later things got wild.
He tried to apply pixel card, on his card list to split limit, my card also showing. So they can pixel using our add on.

Another thing is he got calls repeatedly for a loan, he asked on which card, they claimed on my dcb add on😂😂

How your friend applied you as addon card holder!!🤔🤔

Wasn't there any verification done!!😳😳

Anyways your friend is very good then!!👍👍

 

[BVCBVC is verified member.]

In the same boat. Not getting any offers due to holding an add on card

Same issues used to happen for Axis earlier. So now final conclusion is don't take HDFC add on until we get Primary core card from HDFC.

 

[salisburry44]

Yeah same happened with me while applying infinia, i had regelia add on card in my account. Rm got query that i already own one core card asked me to close it.

 

[kiwi195]

It also seems like pixel cards exist out of their actual cards ecosystem. It might be possible to obtain a core card offering despite holding a pixel card, since it does not show up in net banking or mycards

 

[DrHits]

Any verified solution for this? my wife cannot apply a single HDFC cc from her acc as she has DCB metal add on from mine. raised a issue via mail, no conclusion till now.

 

[kvndsz512]

Any verified solution for this? my wife cannot apply a single HDFC cc from her acc as she has DCB metal add on from mine. raised a issue via mail, no conclusion till now.

maybe close add on try to get her own core hdfc card and then take add on?

 

[DrHits]

maybe close add on try to get her own core hdfc card and then take add on?

Will the bank give add on card again after closing ?? 🧐