HomeMaker - Pre Approved CC - Bank Account

[hender]

For HomeMaker

Could you please suggest which Bank Account can be considered to get Pre Approved CC earliest and with Minimum amount to be kept ...

Existing : PNB Bank Account

Present Credit /Loan Nil

 

[SSV]

Damn...And here I m struggling to upgrade my Freedom card despite good cibil score🥲

once you get the Freedom card in HDFC means you lost all the FREEDOM ...

the trick with HDFC is staying as a CC VIGRIN as long as possible until you get the desired first HDFC CC with accpetable CL..

 

[kuchbhikuchbhi is verified member.]

desired first HDFC CC..

And millenia should be the optimum target

 

[hender]

what also helps in quickening the process is:
1) Paying utility bills using HDFC billpay
2) Opening a FD / RD
3) Taking a big ticket electronic item EMI using HDFC DC in AMZN / FK
4)using Payzapp .
etc..

I will add more to this list as and when I remember something else..

all the best

Candidate 1;
Just Joined College, having usage of day to day petty expenses may be by UPI/Cash.
I Don't think, parents will keep MUCH of amount say more than 30k at a time..for transaction account.
No earning, Just got PAN No. Age around 18, ITR - not yet

Candidate 2; earlier working in Pvt firm, now after kid @home..
Used to apply IPO in retail mainly No Trading, so saving balance vary between 30-50k. Rest in FD's .Age around 32
ITR - Interest Income and STCG

Candidate 3; Around 45 age, Cash USER. Earning in cash by tution. No ITR, PAN- yes.

All 3 have PSU saving account for sure but not the CC, 2nd may have past credit history if availed any Small Consumer Loan or something similar. All are from B or C town.

Candidate 4 : Family having Axis Burgundy and HDFC Imperia banking program since Long...Can clubbing into Family Banking Program have any advantage for getting CC except 0 Balance!!

ITR 3, around 6 Lacs... Living in State Capital, filing return since many years...age around 38-40..

(Based on the different backgrounds ,use cases, age and Financial status, for getting pre approved CC - strategy would be same for everyone or it would be different Sir !!)
Financials are handled mainly by Family!!

 

[hender]

(Based on the different backgrounds ,use cases, age and Financial status, for getting pre approved CC - strategy would be same for everyone or it would be different Sir !!)
Financials are handled mainly by Family!!

@SSV , Sir tagging you again for your opinion !!

 

[SSV]

Candidate 1;
Just Joined College, having usage of day to day petty expenses may be by UPI/Cash.
I Don't think, parents will keep MUCH of amount say more than 30k at a time..for transaction account.
No earning, Just got PAN No. Age around 18, ITR - not yet

Candidate 2; earlier working in Pvt firm, now after kid @home..
Used to apply IPO in retail mainly No Trading, so saving balance vary between 30-50k. Rest in FD's .Age around 32
ITR - Interest Income and STCG

Candidate 3; Around 45 age, Cash USER. Earning in cash by tution. No ITR, PAN- yes.

All 3 have PSU saving account for sure but not the CC, 2nd may have past credit history if availed any Small Consumer Loan or something similar. All are from B or C town.

Candidate 4 : Family having Axis Burgundy and HDFC Imperia banking program since Long...Can clubbing into Family Banking Program have any advantage for getting CC except 0 Balance!!

ITR 3, around 6 Lacs... Living in State Capital, filing return since many years...age around 38-40..

(Based on the different backgrounds ,use cases, age and Financial status, for getting pre approved CC - strategy would be same for everyone or it would be different Sir !!)
Financials are handled mainly by Family!!

@SSV , Sir tagging you again for your opinion !!

For everyone it works...
Whatever you enter in the occupation details in the netbanking counts..and the activity as mentioned above contributes to pre approved offer.