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How to Increase Chances For HDFC Pre-Approved Credit Card Under 3 Months ?

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abhinav8296

abhinav8296

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Mer ko HDFC Bank me saving account open kiye hue approx 50 days hua hai, aur mer ko hdfc credit card 3-4 month ke under chahiye.. Koi secret trick ho to honestly share karen. Mere pas pehle se icici ke 2 unsecured credit card hai, jiska limit above 1 lakh hai...mer ko kya karna chahiye jisse jaldi hdfc ka credit card mil sake.
 
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Solution
Amitt Aryan
ashwink said:
Yes six months old card atleast 50k minimum limit.
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I got 3lakhs limit with Diners privilege card within 4 months.
It was after opening savings max account.
Maintained balance around 30 to 40k.
Normal upi, few debit transactions and money transfer.
Just dont forget to do NEFT transfer on 1st of every month into your hdfc account.
Last point is very much required.
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I love icici bank... their service, complaint resolution time, financial relationship are far better than hdfc bank. Their customer executive are very responsible and fulfill your need easily... but in hdfc bank their executive are very arrogant...and never provide fast resolution...it's 100% true. Also i have approx 11 bank account...but in terms of service icici is legend compare to others.
 
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I don't understand the logic behind NEFT requirement 🤔

I opened account in October 2021, till date not even single NEFT and everything is done through UPI, yet got pre-approved Regalia with 5L limit after 3rd or 4th month of account opening.
 
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hariselio said:
I don't understand the logic behind NEFT requirement 🤔

I opened account in October 2021, till date not even single NEFT and everything is done through UPI, yet got pre-approved Regalia with 5L limit after 3rd or 4th month of account opening.
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Neft is an indication of salary credit according to bank softwares.... Usually salary credits are done by companies via neft... And if done on specific day every month... It will emaluate as salary credit unless bank checks each and every account personally to verify...

One of my friend use to use this trick on neft... He used to neft 50000 in his idfc account from his other account... He did for 4 months... On same day every month... He got pre-approved idfc card.in 5th month.. For exact limit of 50000....



It was his first card...
 
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Batmanbaba said:
Neft is an indication of salary credit according to bank softwares.... Usually salary credits are done by companies via neft... And if done on specific day every month... It will emaluate as salary credit unless bank checks each and every account personally to verify...

One of my friend use to use this trick on neft... He used to neft 50000 in his idfc account from his other account... He did for 4 months... On same day every month... He got pre-approved idfc card.in 5th month.. For exact limit of 50000....



It was his first card...
Click to expand...
Yes this trick works great 👍
 
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anirbanm said:
They do soft enquiry which we can't detect
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If that was the case, they shouldn't have rejected my credit card application before i opened the bank account. It clearly shown, my previous credit history did not matter to them. After this only i opened savingsmax account, boom...in three months pre-approved offer with good limit pops-up.
 
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Anubhavrocks71 said:
My company does IMPS as my salary is 1lkhs will this help ?
I alredy have a millenia card with 104k and this happend when i applied.
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No issue... Imps can be traced by bank software.if its really salary or not.. But in neft they have to manually check.... Which is not possible... So you can self neft also your salary.... .. So if its genuine salary... No issue....
 
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