HDFC Pre-Approved Credit Card Offer Discrepancy - Add-on Card Impact?

[friends2b11]

I'm seeking insights into an inconsistency with HDFC's pre-approved credit card offers. Over 50 individuals I know received pre-approved offers within 3-6 months of opening an HDFC savings account, despite lacking credit history. These accounts had average balances of ₹10,000-₹25,000 and moderate debit card spending.

However, one person with a stronger banking relationship isn't receiving pre-approved credit card offers. They maintain an average balance of over ₹2 lakhs for 1.5 years, spend ₹1 lakh monthly using their debit card, and have a classic banking account.

This individual had an add-on card (treated as a primary card due to an HDFC system issue) which they closed in April last year, hoping to improve their chances of getting a pre-approved offer. Despite this, they're only receiving pre-approved loan offers, debit card easy EMI options, and other promotions.


1. Has anyone else experienced similar issues with HDFC pre-approved offers, potentially linked to add-on card history?

2. How does HDFC's system handle add-on card history in relation to pre-approved offers?

3. Can contacting HDFC's higher authorities or customer service via mail, highlighting one's strong banking relationship and debit card usage, influence pre-approved offer decisions?

I'd appreciate insights from those who have:

- Received pre-approved offers after closing a credit card

- Not received offers despite a strong banking relationship

- Successfully obtained pre-approved offers by contacting HDFC's customer service

Let's discuss and understand the possible reasons behind this discrepancy.

 

[helloworld]

1. No
2. Received pre-approved credit card offer even having add-on card from HDFC.
3. Can apply directly if having required income, this method doesn't work for pre-approved offers but direct card.

Journey of one of my friend:

- savings max
- frequent credit card payments with debit card
- got offer mb+ with limit 2.2L
- used heavily for 1 year (heavy = 20k which is max in mb+ to get highest 3.3% cashback) + frequent spend 50rs voucher on 1000rs. spends so helps to get extra 5%. for those 20k spends
- after 1 year requested for millennia upgrade, asked income proofs etc. couldn't share - closed the card.

card net 4% (spent 1.5L and got 6k cashback + amzn voucher) --> Yes, this is with Moneyback+

- waited another 8 months (frequent credit card payments with debit card)
- balance this time equal to classic
- got offer for DCP LTF with limit 1.1L (less limit than earlier)

u can't get pre-approved offers with support or escalation, its entirely system dependent. You can get the card by contacting support or escalation, that doesn't need pre-approved offers.

 

[aniketkr.sharma]

I'm seeking insights into an inconsistency with HDFC's pre-approved credit card offers. Over 50 individuals I know received pre-approved offers within 3-6 months of opening an HDFC savings account, despite lacking credit history. These accounts had average balances of ₹10,000-₹25,000 and moderate debit card spending.

However, one person with a stronger banking relationship isn't receiving pre-approved credit card offers. They maintain an average balance of over ₹2 lakhs for 1.5 years, spend ₹1 lakh monthly using their debit card, and have a classic banking account.

This individual had an add-on card (treated as a primary card due to an HDFC system issue) which they closed in April last year, hoping to improve their chances of getting a pre-approved offer. Despite this, they're only receiving pre-approved loan offers, debit card easy EMI options, and other promotions.


1. Has anyone else experienced similar issues with HDFC pre-approved offers, potentially linked to add-on card history?

2. How does HDFC's system handle add-on card history in relation to pre-approved offers?

3. Can contacting HDFC's higher authorities or customer service via mail, highlighting one's strong banking relationship and debit card usage, influence pre-approved offer decisions?

I'd appreciate insights from those who have:

- Received pre-approved offers after closing a credit card

- Not received offers despite a strong banking relationship

- Successfully obtained pre-approved offers by contacting HDFC's customer service

Let's discuss and understand the possible reasons behind this discrepancy.

1. Yes
2. The Add-On customer will be like primary customer, I had my brother with add-on and he took pixel card by splitting my card limit ~~~fck HDFC that they restored in more than 9 months of regular follow back.
3. No

 

[friends2b11]

1. Yes
2. The Add-On customer will be like primary customer, I had my brother with add-on and he took pixel card by splitting my card limit ~~~fck HDFC that they restored in more than 9 months of regular follow back.
3. No

What happened to your brother's credit card limit after your credit card limit was restored? Did his limit change or remain the same?

 

[aniketkr.sharma]

What happened to your brother's credit card limit after your credit card limit was restored? Did his limit change or remain the same?

After his card closure they proceeded for limit restore

 

[friends2b11]

After his card closure they proceeded for limit restore

Did your brother receive a pre-approved credit card offer from the bank after closing his previous pixel credit card account?

 

[aniketkr.sharma]

Did your brother receive a pre-approved credit card offer from the bank after closing his previous pixel credit card account?

Still not, its been 6 months of his card closures & my add-on closure too