HDFC PHONEPE ULTIMO CARD

[Stephen25]

Anyone Applied Hdfc PhonePe Ultimo Credit card? It's shows Coming soon only...
Is there any direct link? To apply for it.

 

[rajcasio]

How to track cc application?
http://www.hdfcbank.com/personal/credit_card/cc_track
Link under Maintenance

 

[SSV]

How to track cc application?
http://www.hdfcbank.com/personal/credit_card/cc_track
Link under Maintenance

this has been like this forever ... !!

 

[rajcasio]

this has been like this forever ... !!

So only thru PHONEPE(for Ultimo) it seems 👍

 

[darkjediknight]

So, officially I am the only one left out...

Congratulations !!

Don't worry mine is still pending. Applied on Thu, Oct 9, 9:50 PM (4 days ago) as per email.
Didn't even get a CIBIL check yet.

 

[SSV]

Don't worry mine is still pending. Applied on Thu, Oct 9, 9:50 PM (4 days ago) as per email.
Didn't even get a CIBIL check yet.

i am glad that we both have one for each other 🤣

 

[nikhilv0303]

SBI gave me a rejection today.. was expecting it due to over-leverage..
now thinking of HDFC ultimo 😂
Cibil hits might be a problem.. should I wait for a few days or apply today itself? SBI hit cibil today

 

[SSV]

SBI gave me a rejection today.. was expecting it due to over-leverage..
now thinking of HDFC ultimo 😂
Cibil hits might be a problem.. should I wait for a few days or apply today itself? SBI hit cibil today

profil age?

no of enquiries in the last 1,3,6 months?

 

[nikhilv0303]

profil age?

no of enquiries in the last 1,3,6 months?

Just replied to you in other thread..

 

[SSV]

SBI gave me a rejection today.. was expecting it due to over-leverage..
now thinking of HDFC ultimo 😂
Cibil hits might be a problem.. should I wait for a few days or apply today itself? SBI hit cibil today

Just replied to you in other thread..

apply in the next week, just to be on a safer side... this card is not going to go away any soon..

 

[SSV]

Verified through Credit card.

Don't worry. You will be in soon.

Don't worry my friend
It'll be approved

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

 

[nikhilv0303]

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

Awesome ! !

 

[Rishabh]

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

Chances of SBI Black as FYF or LTF very low though.

 

[SSV]

Chances of SBI Black as FYF or LTF very low though.

LTFchances are very low, I agree..
but FYF should be gettable...
lets see.

 

[darkjediknight]

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

Me personally will not apply again if rejected 🥹

 

[SSV]

Me personally will not apply again if rejected 🥹

why so ?

We should not be emotional to anything .. and attached to anything..
Life is a game.. we just need to play the game according to the situation and prevailing conditions ( just like a cricket game)..

Same rule applies to the CC game..
Nothing , I repeat NOTHING should distract us in our life ...
take it easy and have fun.. that is more important...

Mind you Rejection is a part of our life...

 

[kuchbhikuchbhi is verified member.]

I think it's just an example.

@kuchbhi what do you think?

yes seems an example only

since @Exewhyzee got with 2.87 if I am not mistaken

 

[plastikman]

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

Certainly the plan, but for me intergalactic travel will be easier then getting a card from sbi in the near future. I have 25 cards now and doubt sbi will ever give me a card.

Especially since I closed 2 cards that I had with SBI. They had accorded me a limit of 6.5L in 2019 but I decided to cancel both the card anyways. They seem to hold on to vendetta 😛

 

[darkjediknight]

why so ?

We should not be emotional to anything .. and attached to anything..
Life is a game.. we just need to play the game according to the situation and prevailing conditions ( just like a cricket game)..

Same rule applies to the CC game..
Nothing , I repeat NOTHING should distract us in our life ...
take it easy and have fun.. that is more important...

Mind you Rejection is a part of our life...

Haha not getting emotional. I'd probably try to get the same application approved by writing to the nodal officer.
I managed to convince them in the past to upgrade my Tata Neu to Infinia based on the spends on my Biz Black. I'll try my luck again 🤞

 

[darkjediknight]

Certainly the plan, but for me intergalactic travel will be easier then getting a card from sbi in the near future. I have 25 cards now and doubt sbi will ever give me a card.

Especially since I closed 2 cards that I had with SBI. They had accorded me a limit of 6.5L in 2019 but I decided to cancel both the card anyways. They seem to hold on to vendetta 😛

The biggest regret I have is that I cancelled SBI cashback card. By the time I applied again they started responding with over-leveraged stuff.
I am stuck with a BPCL Octane which I only use in sales.

 

[cardy]

@plastikman , @nikhilv0303 ,@darkjediknight ,
and others...

Guys..

Just now came up with a strategy..

Scenario 1):
If this card is not approved:

1)reduce the overleverage..
2)wait for calendar year end / FY end , and apply for LTF offer if applicable.. I am sure they will offer this as LTF at some point of time...


Scenario 2):
If this card is approved..

1) Reduce overleverage .
2) Apply for SBI Black card .. hopefully this too as LTF...or atleast FYF..

😉

How is the plan ??

Plan is cool, but sbi LTF not low chance it's not possible. There is no LTF card in their portfolio.

Though afterwards using the card they sometimes make LTF.


In fear of over leverage issue I am not closing simply click, though I don't need it. I am waiting for the time when they start upgrading to phonepe card from existing card. Because if I close they will surely make me over leverage and never give another card.