If credit bureau enquiry is already done, raise a ticket via the app. In most cases the ultra nalayak PayZapp team won't bother to remove the enquiry or give any satisfactory reply or resolution. Then approach HDFC Bank PNO and threaten RBI ombudsman complaint. If they still don't, file the RBI complaint and demand compensation for playing with your CIBIL & CRIF when they can't even build a proper bug-free credit card application process and then disappear when you ask to remove the entry for being unable to finish the application.