HDFC Millennia Credit Card Application

[vipin123]

Hello Friends
On 26 Nov One of My friend who is employee of HDFC applied my Millennia Credit card as paid but I want Millennia as LTF. I'm doing all my efforts for Millennia LTF as opened FD RD and using Debit card everywhere, stopped using my other credit cards( using only at necessary place). Trying to use HDFC services as much as I can.

Now Status of My Credit Card Application
Applied on 26 Nov and Get a mail on 27 Nov-- "
Thank you for showing interest and applying for an HDFC Bank MILLENNIA CARD Credit Card.

We are delighted to have received your application; however, we regret to inform you that we are currently unable to proceed with your application no."-- but next day a sms recieved as "your application is processed " .
I mailed HDFC CC they replied that my application is under review and will be informed in next 8 to 10 days.

I was planning my credit card application in March April 2025 . What should I do now?
Should I mail HDFC to stop my application process or wait for their response?
Is there any loss/drawback if I request them to stop my application.
What should I do in case of need as LTF card.
CIBIL 780.
Pre approved offer now - freedom ltf and 1 lakh personal loan.
Thanks in advance

 

[Humanbeing]

Well I guess your application process is going on & there might be a Cibil check during the application process so just let it happen. If you get your card approved without LTF condition, you can later mail the higher authorities to make it LTF ( or spend the criteria to waived off the annual charges), otherwise don’t activate the card even if you get the card approved & mail the customer care to make it LTF else you won’t activate the card.

 

[vipin123]

Well I guess your application process is going on & there might be a Cibil check during the application process so just let it happen. If you get your card approved without LTF condition, you can later mail the higher authorities to make it LTF ( or spend the criteria to waived off the annual charges), otherwise don’t activate the card even if you get the card approved & mail the customer care to make it LTF else you won’t activate the card.

Got notification of cibil hit by CIBIL on same day when applied.
At the time of applying it shows 1000 fee so I think no chances of LTF approval.
I'll try to not active card and mail them I'll tell you if it works but in this case there is a doubt, is there any problem in March April when I will apply it again .
Thanks for Response 🙏😊

 

[aniketkr.sharma]

Got notification of cibil hit by CIBIL on same day when applied.
At the time of applying it shows 1000 fee so I think no chances of LTF approval.
I'll try to not active card and mail them I'll tell you if it works but in this case there is a doubt, is there any problem in March April when I will apply it again .
Thanks for Response 🙏😊

I would suggest you to use the millennia card, as its not that much costly, even if it's paid you will get 1000 reward point that is Rs 1000 to your statement with a redemption fee.

Still its Rs 180 + redemption fee per year

Worth the card delivers the cashback at 5%

 

[Humanbeing]

Got notification of cibil hit by CIBIL on same day when applied.
At the time of applying it shows 1000 fee so I think no chances of LTF approval.
I'll try to not active card and mail them I'll tell you if it works but in this case there is a doubt, is there any problem in March April when I will apply it again .
Thanks for Response 🙏😊

There won’t be any issues after cooling down period of application process, you can easily apply during March-April again if you wish to. But my advice would be just get a core credit card first from HDFC, later you can apply for the co-branded cards like Swiggy, TataNeu etc.