Hdfc & it’s Audacity!

[sidp]

For me, the pop up for loans is coming up everytime, I open HDFC app on my phone. The pop up comes up after a slight delay and by the time, I try to click on someplace where I want, the pop up comes and it opens a new page. i have to cancel, come back to the app, close the app and continue doing whatever I came there for.

same happens with me. 🤣
Loan on cc & ltf swiggy cc offers. At least swiggy offer comes at one particular position & takes a small space. Loan offer takes up almost the whole screen.

 

[drabhishek90]

M4B fanboys! Assemble!

Both cards have their own plus and minus. Info is is hard to get and practically demanding. M4B has strict criteria of MAB to be maintained with huge fees but excellent for high spenders.

 

[sidp]

My Business Regalia which has not seen an upgrade or CL hike in a decade is already in the drawers now and replaced by another card which gives better returns and no attitude like HDFC card department.

Which one? Please share cuz all business ccs better than biz reg I know are from hdfc itself. And they have even more attitude to give those.
Do you use it for personal spends? Then there are plenty.

 

[Swastik]

You know what really grinds my gears!

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my millenia limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

 

[Swastik]

You know what really grinds my gears with HDFC ,

HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs

And all the while they won't increase my credit limit from 1.16 lakhs or give me an upgrade

So they know my credit worthiness, they just don't want to give me anything worthy

This was till last year ,

This year after my credit limit was increased, I've gotten loan offers as high as 9+L ,
But they still won't match my credit limit to that

 

[ujjwal2024]

So they know my credit worthiness, they just don't want to give me anything worthy

+100 for this great comment.....HDFC is not big-hearted at all...

 

[amitr29]

My scenario:

Home loan of 1 cr with HDFC with property value more than 6 crs
Offering me top up of 66 lacs without documents
Car loan pre approved 30 lacs
Personal loan offer 12 lacs

Preferred account with 5L plus average balance

But credit card limit offered 40k 😂 Cibil is 810 and absolutely zero delay in last 20 years on any loan or credit card. Highest limit card 8.20 lacs axis.

As per income, I easily qualify for their Biz power card but they always offer Money-back+

 

[vine]

Over 2000-2020, HDFC Bank has zoomed ahead of its competitors like icici. The only difference was HDFC has been giving retail loans with strict criteria, and reaped excellent returns for many years.
Today in this age, they still did not and do not want change their winning formula, because HDFC does not have a good reason to change it, and we are all victims of it. Nothing more. Nothing less. Don't take it personally.

 

[hellobois]

The title of this thread looks likes an autobiography of an Ex- HDFC employee 😛😛