I was thinking of opening a account with HDFC to apply for their cc's later on. Thinking of taking millennia.
So today I received a call from an HDFC agent, they told to me i can get a free ltf card if i apply via C2C method. I asked which cards i would be eligle for MoneyBack card based on my current limit of cc. I said i will only go for millennia bare minimum then she said i will need provide income proof and i can be eligible if the application is approved. She said Millenia needs 1 Lakh for c2c which i dont have on normal cards(not co-branded ) cards. She did not make any false promises with card limits etc. The card can be LTF with income proof if i spend 30 k in the first few months.
So Guys what should be best course of action as HDFC provide only 1 cc and want it be a good one .Should i apply with these agents they sent me the list of required documents on WhatsApp and are telling me send documents there no portal etc , Its a Business account i can see on WhatsApp. Or should go by making a banking relationship with them and then asking for cc later on. I am asking as i will only take Millenia bare minimum, i heard hdfc issues downgraded card if you apply sometimes thats why i am concerned if they give moneyback i wont accept it.
Still wondering how they got my number i asked , she said i had good credit score and she found my lead on their portal .I dont think i ever even submitted any form on hdfc site.
I mainly buy stuff online so i dont regalia is good for me.
So today I received a call from an HDFC agent, they told to me i can get a free ltf card if i apply via C2C method. I asked which cards i would be eligle for MoneyBack card based on my current limit of cc. I said i will only go for millennia bare minimum then she said i will need provide income proof and i can be eligible if the application is approved. She said Millenia needs 1 Lakh for c2c which i dont have on normal cards(not co-branded ) cards. She did not make any false promises with card limits etc. The card can be LTF with income proof if i spend 30 k in the first few months.
So Guys what should be best course of action as HDFC provide only 1 cc and want it be a good one .Should i apply with these agents they sent me the list of required documents on WhatsApp and are telling me send documents there no portal etc , Its a Business account i can see on WhatsApp. Or should go by making a banking relationship with them and then asking for cc later on. I am asking as i will only take Millenia bare minimum, i heard hdfc issues downgraded card if you apply sometimes thats why i am concerned if they give moneyback i wont accept it.
Still wondering how they got my number i asked , she said i had good credit score and she found my lead on their portal .I dont think i ever even submitted any form on hdfc site.
I mainly buy stuff online so i dont regalia is good for me.
the co - brand card are not eligible for c2c application 
