I have, in last 7 months, have applied for HDFC credit card about 10 times in order to test a thesis I had. I came to know that some banks like Axis, even if your application was declined by them, will bypass cooldown and approval restrictions if you were eligible for application from Google Pay (Some restrictions still exist, but for all intents and purposes, you can get your card the same day from them even if you were declined by them before). I then wanted to check what other banks allowed this to happen.
For this post, I will focus on HDFC. I first applied for HDFC card on their...