Help deciding HDFC preapproved card

[Ankur34]

I opened hdfc account in Oct 2023. I was getting preapproved offer for credit card since July. I knew I had to avoid taking it to get better offer. But few days ago got another offer for lifetime free Freedom credit card with 96000 limit. This time I couldn't stop myself I applied for it and got approved instantaly.

But now I realize I made a mistake I should have waited for atleast Millenia LTF. I can't decide should I activate this card or let it expire and wait for another offer.

The question is will I get another offer if I let this card expires without activation?
What If activate this card and then wait for upgrade offer.

Which would be better. Help me decide.

P.S. - I already have ICICI and axis card with 50k limit.

Thanks.

 

[Ankur34]

Anyone ?

@SSV @vaibhav111 @Vasuki @Riya @doremon

 

[realjayt]

I don’t think you will a get a pre approved LTF offer anytime soon, regardless of you activating or not activating the freedom card. Better route will be take the card and push for an upgrade after three months. With a good RM Millennia LTF should be a breeze.

 

[Ankur34]

I don’t think you will a get a pre approved LTF offer anytime soon, regardless of you activating or not activating the freedom card. Better route will be take the card and push for an upgrade after three months. With a good RM Millennia LTF should be a breeze.

Thanks for replying,

actually I am ready to wait to get a good offer later. The things I am worried about is, If i cancel this card I may never get another offer as I wasted there time. Is something like this possible?

 

[SSV]

I opened hdfc account in Oct 2023. I was getting preapproved offer for credit card since July. I knew I had to avoid taking it to get better offer. But few days ago got another offer for lifetime free Freedom credit card with 96000 limit. This time I couldn't stop myself I applied for it and got approved instantaly.

But now I realize I made a mistake I should have waited for atleast Millenia LTF. I can't decide should I activate this card or let it expire and wait for another offer.

The question is will I get another offer if I let this card expires without activation?
What If activate this card and then wait for upgrade offer.

Which would be better. Help me decide.

P.S. - I already have ICICI and axis card with 50k limit.

Thanks.

To get your desired card with desired limit on ltf basis, it is important to stay as a hdfc credit card Virgin until you reach the target..

Upgrade path is very difficult and at the mercy of HDFC.

So don't Activate the current card and be patient unless you have a very good credit profile with very good income doc.

All the best

 

[pothi]

hdfc credit card Virgin

Got married early this year. Still a virgin!

 

[Infamous]

Got married early this year. Still a virgin!

Must've been tough for you, take my sympathy 🙌🏻

 

[NamanGupta]

I opened hdfc account in Oct 2023. I was getting preapproved offer for credit card since July. I knew I had to avoid taking it to get better offer. But few days ago got another offer for lifetime free Freedom credit card with 96000 limit. This time I couldn't stop myself I applied for it and got approved instantaly.

But now I realize I made a mistake I should have waited for atleast Millenia LTF. I can't decide should I activate this card or let it expire and wait for another offer.

The question is will I get another offer if I let this card expires without activation?
What If activate this card and then wait for upgrade offer.

Which would be better. Help me decide.

P.S. - I already have ICICI and axis card with 50k limit.

Thanks.

I would be better not to activa the card and wait for some time you will soon get a better card offer (4-6 months approx. )

In my case 1st pre approved offer was Freedom also but I waited for Millennia card which was offered after 3 months of Freedom card in between they offed Swiggy,Moneyback,Indian oil after that it showed millennia CC LTF

 

[SSV]

I would be better not to activa the card and wait for some time you will soon get a better card offer (4-6 months approx. )

In my case 1st pre approved offer was Freedom also but I waited for Millennia card which was offered after 3 months of Freedom card in between they offed Swiggy,Moneyback,Indian oil after that it showed millennia CC LTF

Virginity worked wonders !!
Congratulations!!

 

[arunkd386]

Better not to activate the card as getting Millenia card LTF through upgrade is not very easy.

 

[vega]

Virginity worked wonders !!
Congratulations!!

I also waited almost a year to consummate and finally got what I wanted. Thanks to your previous year post about hdfc pre-approved url decode.

 

[SSV]

I also waited almost a year to consummate and finally got what I wanted. Thanks to your previous year post about hdfc pre-approved url decode.

Excellent well done… I am glad that my last year’s post helped you… Enjoy life !!

 

[RkrRkr is verified member.]

I opened hdfc account in Oct 2023. I was getting preapproved offer for credit card since July. I knew I had to avoid taking it to get better offer. But few days ago got another offer for lifetime free Freedom credit card with 96000 limit. This time I couldn't stop myself I applied for it and got approved instantaly.

But now I realize I made a mistake I should have waited for atleast Millenia LTF. I can't decide should I activate this card or let it expire and wait for another offer.

The question is will I get another offer if I let this card expires without activation?
What If activate this card and then wait for upgrade offer.

Which would be better. Help me decide.

P.S. - I already have ICICI and axis card with 50k limit.

Thanks.

In my personal opinion, You activate the current card and continue using it for sometime...Thereafter approach them for upgrade to desired one or may be you will get better higher ones....The only hurdles I think is LTF upgrade offer, might be difficult to get..

As you have one ICICI card in your portfolio so seems you are new to credit card world...So start a journey atleast....May be better offers comes ahead.

 

[Ankur34]

Thanks everyone for replying.

When I applied for the card there was an offer for a voucher of 1500 but now I am getting a new offer for 5000 voucher. 🤣 Sadly I can't apply again 😒

HDFC is playing tricks here. Looks like waiting does have a lot of benefit. So, will not be activating the card and will wait and apply after 6 months cool down period.

The only thing I am worried about that It is possible they might stop giving any offer at all. Since I wasted there time and let the card expire. But it's a risk worth taking.

 

[RkrRkr is verified member.]

Thanks everyone for replying.

When I applied for the card there was an offer for a voucher of 1500 but now I am getting a new offer for 5000 voucher. 🤣 Sadly I can't apply again 😒

HDFC is playing tricks here. Looks like waiting does have a lot of benefit. So, will not be activating the card and will wait and apply after 6 months cool down period.

The only thing I am worried about that It is possible they might stop giving any offer at all. Since I wasted there time and let the card expire. But it's a risk worth taking.


View attachment 72667

I am pretty sure...there will not be any LTF cards in this 5000 voucher offer...

 

[Trump]

Virginity worked wonders !!
Congratulations!!

Well said. I did this stupidity . Took the Indigo 6E Rewards card LTF - Limit - 25,000 in March 2022 and they never cared to enhance the limit or even offer a upgrade to millennia, after months of escalation with the pno & sending documents 4 times to their chennai office, I got upgraded to Millennia with a 1,00,000 limit this august. Idk quite a hectic process to covince HDFC

 

[peregrine0falcon]

October 30th marked 6 months of my moneyback card closure and now waiting to see what HDFC offers. The only thing I am getting offered is a bike loan worth 10 lakh and a car loan of 4 lakh. They want me to buy a Harley with an Alto.



Edit: I was rejected for the pre-approved Regalia in June 2023 and was offered the pre-approved Moneyback+ in January with a 20k savings balance. Since I'm maintaining more than double the required balance for Imperia status over the past six months, I'm hoping to get a preapproved DCB this time. I hope it's not too much to expect.

Edit2: 6 months and 5 days in (After moneyback+ closure) and I have this banner now. Whats the limit though 😅

 

[Trump]

October 30th marked 6 months of my moneyback card closure and now waiting to see what HDFC offers. The only thing I am getting offered is a bike loan worth 10 lakh and a car loan of 4 lakh. They want me to buy a Harley with an Alto.

View attachment 74017

Edit: I was rejected for the pre-approved Regalia in June 2023 and was offered the pre-approved Moneyback+ in January with a 20k savings balance. Since I'm maintaining more than double the required balance for Imperia status over the past six months, I'm hoping to get a preapproved DCB this time. I hope it's not too much to expect.

Edit2: 6 months and 5 days in (After moneyback+ closure) and I have this banner now. Whats the limit though 😅

View attachment 74193

Keep us updated

 

[KK001]

I opened hdfc account in Oct 2023. I was getting preapproved offer for credit card since July. I knew I had to avoid taking it to get better offer. But few days ago got another offer for lifetime free Freedom credit card with 96000 limit. This time I couldn't stop myself I applied for it and got approved instantaly.

But now I realize I made a mistake I should have waited for atleast Millenia LTF. I can't decide should I activate this card or let it expire and wait for another offer.

The question is will I get another offer if I let this card expires without activation?
What If activate this card and then wait for upgrade offer.

Which would be better. Help me decide.

P.S. - I already have ICICI and axis card with 50k limit.

Thanks.

Yr images share Kiya kro pre-approved offer ki, intrest nhi aata reply krne m

 

[Sup]

October 30th marked 6 months of my moneyback card closure and now waiting to see what HDFC offers. The only thing I am getting offered is a bike loan worth 10 lakh and a car loan of 4 lakh. They want me to buy a Harley with an Alto.

View attachment 74017

Edit: I was rejected for the pre-approved Regalia in June 2023 and was offered the pre-approved Moneyback+ in January with a 20k savings balance. Since I'm maintaining more than double the required balance for Imperia status over the past six months, I'm hoping to get a preapproved DCB this time. I hope it's not too much to expect.

Edit2: 6 months and 5 days in (After moneyback+ closure) and I have this banner now. Whats the limit though 😅

View attachment 74193

So which cards are being offered here? Update us too. I too have moneyback plus and hope to close it someday and get better card.