Regalia Holding Regalia, Tata Neu Infinity rejected

[shivek]

Is there any limit on HDFC CC a customer can have?
I am with HDFC bank for the last 10years.
Classic Banking Programe and also having Regalia LTF with 9.7L CL

I got the DCB LTF upgrade offer in Jan-2021, but could not upgrade as I was out of country and the offer got closed in a week.
Currently getting DCB on fee basis, so not interested to upgrade.

I got offer from Tata Neu for LTF Infinity card and applied for Rupay variant (for UPI payment)
First the video KYC was not completed citing my photo is not clearly visible in PAN card.
Again I tried next day and the executive rejected because I looked away while answering (question was which state and city I am currently in) and he marked for manual KYC.

Manual KYC took a lot of time (15 days) and multiple verification. Below is the sequence of events:
1. Aadhar KYC (at residence), D+2
2. Office address verification (executive just asked on phone), D+7
3. Residence address verification (Physical verification, I was not available so executive confirmed with my neighbor), D+14

I can not get what was the point of #3 when #1 served the same purpose.

Yesterday I got email that I already hold another HDFC card so my application is put on hold and suggested for Limit enhancement.
Funny part they don't offer LE on my card (checked last year) saying it is already at max limit.

Anyone having similar experience?

 

[sheru]

LTF was showing in app before you applied?
It's showing FYF for me

It was showing as Pre Approved FYF
initially.
Then i placed few orders of approx 500 of big basket via Neu app.
Then after almost 3 months wait, one day the status changed to Pre Approved LTF.
That's when I applied. Till then only checked a few times.

 

[krishc]

It was showing as Pre Approved FYF
initially.
Then i placed few orders of approx 500 of big basket via Neu app.
Then after almost 3 months wait, one day the status changed to Pre Approved LTF.
That's when I applied. Till then only checked a few times.

oh, great
Incidentally I'm also trying to apply similar tactics
I only installed tata neu last month
since then it's showing FYF
I plan to wait till it becomes LTF, meanwhile use bigbasket once in a while