Is HDFC millennia Not offered to Self Employed?

[pradeepG]

Today i went to HDFC branch(offline) for Card to Card Basis application for HDFC Millenia Card, there a branch person told me that they do not offer millennia to Self-Employed. On Previous instance another person was there who said it will be done at that time i had just been decline axis card so didnt proceed with the application. Now they are saying they will give either Business Regalia or Business Moneyback, But in my use case only millennia Fits. I don't have any previous relationship with HDFC.
Anybody having similar experience and Got millennia? plz confirm either is it their executive's bluff or true?

 

[Anas Manjevdiwala]

i also wanted the millennia card but the branch person told me that they cannot issue millennia to self employed.

 

[Anil_SinghAnil_Singh is verified member.]

Strange. Yesterday, I got last verification call from HDFC for Millenia card. 2 days ago, there was a physical verification of my home as well. The guy who verified my home told me that I will get one more call in 2 days (which I already got yesterday) and then my card will be approved in another 2 days. I am self-employed, applied offline for Millenia via C2C. While verifications (got 4-5 calls in a span of 6 days for verification) they confirmed that the card is LTF with no conditions. I have SBI Card with 1.6 L limit but gave APay ICICI (1.2 L) statement by mistake (forgot about SBI while giving documents).

 

[pradeepG]

Strange. Yesterday, I got last verification call from HDFC for Millenia card. 2 days ago, there was a physical verification of my home as well. The guy who verified my home told me that I will get one more call in 2 days (which I already got yesterday) and then my card will be approved in another 2 days. I am self-employed, applied offline for Millenia via C2C. While verifications (got 4-5 calls in a span of 6 days for verification) they confirmed that the card is LTF with no conditions. I have SBI Card with 1.6 L limit but gave APay ICICI (1.2 L) statement by mistake (forgot about SBI while giving documents).

Thanks for the reply. I am in similar situation.
1. is your card approved or in-process as of now?
2. if yes, then what is the limit you got while applying on the basis of APAY?
3. what did the verification agent asked or did during the verification? or saw any documents?

 

[Anil_SinghAnil_Singh is verified member.]

Thanks for the reply. I am in similar situation.
1. is your card approved or in-process as of now?
2. if yes, then what is the limit you got while applying on the basis of APAY?
3. what did the verification agent asked or did during the verification? or saw any documents?

1. Its still in in-process. I think it will take 2 more days as per the verification guy.
3. Just took photos of my house, entered details again like income, address etc. He did not saw any documents. Not even credit card statement or ITR.

 

[superuserv]

I also applied c2c and gave kotak statement (1.25L) , I recevied 4 calls for verification and no home/office verification was done , card got approved with 40K Limit , applied on 9Jan2023 got card delivered on 20Jan2023. but i dont know how my email id got spelling mistake and now im unable to change my email id.

 

[Anil_SinghAnil_Singh is verified member.]

I also applied c2c and gave kotak statement (1.25L) , I recevied 4 calls for verification and no home/office verification was done , card got approved with 40K Limit , applied on 9Jan2023 got card delivered on 20Jan2023. but i dont know how my email id got spelling mistake and now im unable to change my email id.

So you got card in 12 days.

 

[superuserv]

Yes

 

[pradeepG]

Yes

did you got millennia being a self employed?

 

[ccninja]

i got Business Moneyback after 8 months requested for Millennia after some multiple request they given me Millennia.

 

[pradeepG]

i got Business Moneyback after 8 months requested for Millennia after some multiple request they given me Millennia.

by this method, was millennia given as LTF or was it chargeable basis?

 

[kshitij_0]

Today i went to HDFC branch(offline) for Card to Card Basis application for HDFC Millenia Card, there a branch person told me that they do not offer millennia to Self-Employed. On Previous instance another person was there who said it will be done at that time i had just been decline axis card so didnt proceed with the application. Now they are saying they will give either Business Regalia or Business Moneyback, But in my use case only millennia Fits. I don't have any previous relationship with HDFC.
Anybody having similar experience and Got millennia? plz confirm either is it their executive's bluff or true?

It doesn't matter who you are and what is your employment type if you are applying through C2C basis. What matters is your Card's health and your Credit Report Health that's it.
And if they say it matters then just chose Salaried in place of Self Employed and apply through C2C, who's asking you for Income documents.

 

[moonsmart]

by this method, was millennia given as LTF or was it chargeable basis?

I too got Business Moneyback pre-approved LTF in July last year and requested them to convert to Millennia in Oct which they did promptly but its FYF now.

 

[ARV]

My wife got pre approved Millenia card with 1L limit on 0 balance salary add on account based on my salary account. AMB was about 5k and she is house wife. My salary account never got any pre approved offer for CC. My salary is ~1.8L PM. I had to manually apply and took DCP as its LTF. Weird how HDFC works

 

[Anil_SinghAnil_Singh is verified member.]

My application got rejected. This is my first rejection since I started using credit cards i.e, approx 2.5 years.

 

[Anil_SinghAnil_Singh is verified member.]

Strange. Yesterday, I got last verification call from HDFC for Millenia card. 2 days ago, there was a physical verification of my home as well. The guy who verified my home told me that I will get one more call in 2 days (which I already got yesterday) and then my card will be approved in another 2 days. I am self-employed, applied offline for Millenia via C2C. While verifications (got 4-5 calls in a span of 6 days for verification) they confirmed that the card is LTF with no conditions. I have SBI Card with 1.6 L limit but gave APay ICICI (1.2 L) statement by mistake (forgot about SBI while giving documents).

Giving wrong statement might be the cause of my rejection. APay ICICI card is only about 2 months old, hasn't been reported to any credit bureau yet. Blunder from my part. Won't send any reconsideration email.

 

[Rahul Gupta]

I too got Business Moneyback pre-approved LTF in July last year and requested them to convert to Millennia in Oct which they did promptly but its FYF now.

Bro how did you upgrade in 3 months?

 

[pradeepG]

Giving wrong statement might be the cause of my rejection. APay ICICI card is only about 2 months old, hasn't been reported to any credit bureau yet. Blunder from my part. Won't send any reconsideration email.

disappointing, but you should retry with a reconsideration email and attaching other cards statement and pic and send it to nodal or chennai office.

 

[Anil_SinghAnil_Singh is verified member.]

disappointing, but you should retry with a reconsideration email and attaching other cards statement and pic and send it to nodal or chennai office.

I have better rewarding credit cards. Also, my home is getting renovated. I will take 2 months for the renovation. So, can't waste time on this now. I just wanted that card for sale offers. It was pre-approved for me. I didn't knew that the statement card should be atleast 6 months old. The agent also haven't told me about 6 months age requirement for card statement. I already went through so many verifications via calls followed by physical verification. Don't want the headache once again.

 

[pradeepG]

Just took photos of my house,

photos of inside of house or just outside of house?