Home Verification - A deal breaker?

[ross999]

Hi All,

So I applied for my first HDFC Bank credit card (the big one ). After a month of application in process, they rejected it quoting internal banks policy. After a few follow ups with my RM, found out the reason was Home Verification failed. My aadhar and bank address has my last rental location as I recently shifted to another flat (in the same society). But, I did hear from anyone about verification.
The RM says that no one will call you before visiting otherwise there is no point of verification.

Question - Is there a way to navigate this issue as I am on work the whole day and can't sit looking at the society gate for an HDFC rep visiting for verification. How do people with rental address get an HDFC card? or they don't?

Love to hear your views

 

[plastikman]

Hi All,

So I applied for my first HDFC Bank credit card (the big one ). After a month of application in process, they rejected it quoting internal banks policy. After a few follow ups with my RM, found out the reason was Home Verification failed. My aadhar and bank address has my last rental location as I recently shifted to another flat (in the same society). But, I did hear from anyone about verification.
The RM says that no one will call you before visiting otherwise there is no point of verification.

Question - Is there a way to navigate this issue as I am on work the whole day and can't sit looking at the society gate for an HDFC rep visiting for verification. How do people with rental address get an HDFC card? or they don't?

Love to hear your views

Give your society watchman a 100 and tell him to escort anyone looking for you to your new flat

 

[ross999]

There is no entry exit system. No MyGate, No CCTV. If you want to enter, you can enter. The guard absolutely doesn't stop or guide anyone Lol

Give your society watchman a 100 and tell him to escort anyone looking for you to your new flat

 

[D₹V]

Home Verification - A deal breaker?

Yes . .

the big one

 

[D₹V]

Hi All,

So I applied for my first HDFC Bank credit card (the big one ). After a month of application in process, they rejected it quoting internal banks policy. After a few follow ups with my RM, found out the reason was Home Verification failed. My aadhar and bank address has my last rental location as I recently shifted to another flat (in the same society). But, I did hear from anyone about verification.
The RM says that no one will call you before visiting otherwise there is no point of verification.

Question - Is there a way to navigate this issue as I am on work the whole day and can't sit looking at the society gate for an HDFC rep visiting for verification. How do people with rental address get an HDFC card? or they don't?

Love to hear your views

You should email to priority email & ask about reconsideration.

They'll ask you to fill one pager form & all other details.

Fill that, attach latest address proof & home verification might happen again.

They might approve your application.

 

[4uziaul]

There is no entry exit system. No MyGate, No CCTV. If you want to enter, you can enter. The guard absolutely doesn't stop or guide anyone Lol

Then pay him more

 

[ross999]

You should email to priority email & ask about reconsideration.

They'll ask you to fill one pager form & all other details.

Fill that, attach latest address proof & home verification might happen again.

They might approve your application.

Should I send it to
1. PriorityRedressal.CreditCards@hdfcbank.com
or
2. Grievance.Redressalcc@hdfcbank.com
Should I upfront ask for a 1 pager form to relook at my application? Is there a name for it?

 

[ross999]

Then pay him more

Arrey bhai . Paisa bhi khaa lega, kaam bhi nahi hoga. Lol
But just found out. No one from HDFC visited that residence.

 

[paxauquabriba-4876]

Hi All,

So I applied for my first HDFC Bank credit card (the big one ). After a month of application in process, they rejected it quoting internal banks policy. After a few follow ups with my RM, found out the reason was Home Verification failed. My aadhar and bank address has my last rental location as I recently shifted to another flat (in the same society). But, I did hear from anyone about verification.
The RM says that no one will call you before visiting otherwise there is no point of verification.

Question - Is there a way to navigate this issue as I am on work the whole day and can't sit looking at the society gate for an HDFC rep visiting for verification. How do people with rental address get an HDFC card? or they don't?

Love to hear your views

Just update new address unless you own or rent 2flats

 

[Raaghul5]

Hi All,

So I applied for my first HDFC Bank credit card (the big one ). After a month of application in process, they rejected it quoting internal banks policy. After a few follow ups with my RM, found out the reason was Home Verification failed. My aadhar and bank address has my last rental location as I recently shifted to another flat (in the same society). But, I did hear from anyone about verification.
The RM says that no one will call you before visiting otherwise there is no point of verification.

Question - Is there a way to navigate this issue as I am on work the whole day and can't sit looking at the society gate for an HDFC rep visiting for verification. How do people with rental address get an HDFC card? or they don't?

Love to hear your views

For me, everytime my residential/office address is verified, the agent calls me to ask for the directions. Even if I'm not available on the premises, agents have always responded that they just wanted to take few pictures and my presence is not needed.

 

[paxauquabriba-4876]

The RM says that no one will call you before visiting otherwise there is no point of verification.

really, this is news to me ? (but people can manipulate things)

Also rental address is no issue as millions do that: get the agreement copy or else ask landlord to create one, get utility bill copy etc.

Any CC application: 1 does Adhar+Pan+OTP based eKYC, then Pan+OTP+Location vKYC, then ITR or C2C match documentation to fulfill RBI guidelines.

In my opinion, Home visits are more about dual way of extending relationship and pushing sales of other financial products to customer.

 

[unit vector]

My credit was "decline" and I got a message next day to do offline KYC for home verification. I did that aadhaar based biometric and now the application is "in process" status.
Edit: HDFC IRCTC Card approved.

 

[PRASHANTTHAKUR]

just another nonsense reason of rejection.
Apply C2C via any third party agent,
no physical verification
It will approve just by a Tele-verification + offline kyc (if needed)

 

[ross999]

just another nonsense reason of rejection.
Apply C2C via any third party agent,
no physical verification
It will approve just by a Tele-verification + offline kyc (if needed)

Thank you for replying. I had done the KYC just a few months back when I opened my Salary account with HDFC. I am not sure if they even did Home visit for verification this time for Credit Card and outright rejected.

 

[ross999]

Thank you all of you for helping out.
Just another query, has anyone experieced/heard of the instance where HDFC declined then approved the application? A few of my friends told me that they got the card delivered after HDFC had rejected. Just want to know if this comedy of errors is common with HDFC

 

[PRASHANTTHAKUR]

Thank you all of you for helping out.
Just another query, has anyone experieced/heard of the instance where HDFC declined then approved the application? A few of my friends told me that they got the card delivered after HDFC had rejected. Just want to know if this comedy of errors is common with HDFC

Yes I also got the card after rejection,
It's called reconsideration of application,
You have to mail Grievance.Redressalcc@hdfcbank.com or escalation.cc@hdfcbank.com
And ask them to reconsider your application as no one came to address verification.

 

[PRASHANTTHAKUR]

Thank you for replying. I had done the KYC just a few months back when I opened my Salary account with HDFC. I am not sure if they even did Home visit for verification this time for Credit Card and outright rejected.

If you have salary account with them then wait for pre approved offer otherwise contact branch they can process your application offline,
3rd option apply via third party agents.

 

[ross999]

If you have salary account with them then wait for pre approved offer otherwise contact branch they can process your application offline,
3rd option apply via third party agents.

Had applied through the branch only.

2 verification calls
documents collected from home

Now they rejected saying verification failed at home

 

[sumit_yadav]

For me it was Office verification that failed. They ask for office address and I explained we still WFH and they did not understand and rejected the application. I will apply offline and only use one address (home in my case).

 

[PRASHANTTHAKUR]

For me it was Office verification that failed. They ask for office address and I explained we still WFH and they did not understand and rejected the application. I will apply offline and only use one address (home in my case).

Try email them to reconsider your application