Opening and maintaining savings account for pre- approved cc offer

[Anurag]

Kotak 811 or hdfc 2500 wala account..
Which one can give pre approved cc offer comparatively fast, if maintaining 40-50k just after opening.
Someone asked me so thought to seek suggestions form here.
No credit history means no cibil exists.
Also share some measure to keep in mind to get the offer.

 

[praful47]

Kotak 811 or hdfc 2500 wala account..
Which one can give pre approved cc offer comparatively fast, if maintaining 40-50k just after opening.
Someone asked me so thought to seek suggestions form here.
No credit history means no cibil exists.
Also share some measure to keep in mind to get the offer.

kotak 811 is banned for issuing new cards

 

[Anurag]

kotak 811 is banned for issuing new cards

I was thinking that the ban must have been lifted for Kotak Bank to issue cards(thanks to my awareness), so HDFC is the option left.

 

[VISION]

if maintaining 40-50k just after opening.

then open hdfc saving max account (25k amb wala) it give definitely give pre approved offer quickly according to many post's here

 

[Shubham Yadav]

Kotak 811 or hdfc 2500 wala account..
Which one can give pre approved cc offer comparatively fast, if maintaining 40-50k just after opening.
Someone asked me so thought to seek suggestions form here.
No credit history means no cibil exists.
Also share some measure to keep in mind to get the offer.

Open hdfc

Get millennia dc and use like a you use upi

Pre approved cc offer would show than wait for atleast get millennia cc

 

[D₹V]

Open hdfc

Get millennia dc and use like a you use upi

Pre approved cc offer would show than wait for atleast get millennia cc

Kitna bhi samjha do ye log Moneyback & freedom hi lenge

 

[Shubham Yadav]

Kitna bhi samjha do ye log Moneyback & freedom hi lenge

Bhai chull ka koi ilaj nhi hota h

Jab chull cc ki ho

 

[Anurag]

Kitna bhi samjha do ye log Moneyback & freedom hi lenge

Even i tried to make him understand but he just need any fuckin credit card

 

[Anurag]

then open hdfc saving max account (25k amb wala) it give definitely give pre approved offer quickly according to many post's here

Cannot hold that 25k for any longer...2 mahine me downgrade krna hoga ya close

 

[rockyBalboa]

Cannot hold that 25k for any longer...2 mahine me downgrade krna hoga ya close

Then go with the normal 10k mab account. I got pre approved offers on it also. But you will have to pay fees for debit cards.

 

[VISION]

Cannot hold that 25k for any longer...2 mahine me downgrade krna hoga ya close

in that case go for Regular savings account(10k amb) if want pre approved offers.. also 2500 is for rural & 5000 semi urban for this account

 

[Master Chief 117]

Get millennia dc and use like a you use upi

Can you explain what do you mean by this ? Can this card be added on UPI ?

 

[Sourabh_13]

Can you explain what do you mean by this ? Can this card be added on UPI ?

Chief , Do you really seek to add a debit card on UPI!?

 

[Piyush_Jaiswal]

Kotak 811 or hdfc 2500 wala account..
Which one can give pre approved cc offer comparatively fast, if maintaining 40-50k just after opening.
Someone asked me so thought to seek suggestions form here.
No credit history means no cibil exists.
Also share some measure to keep in mind to get the offer.

HDFC 2500 wala account is for Farmer, so don't expect pre-approved offers from them.
I have some friends who opened that account, it has been more than 6 months they haven't got any offers for credit card.

They got Millenia DC in instant kit so they are enjoying 400 cashback every month. That's it.

Maybe you get pre-approved after few more months, but you shouldn't expect much from farmer's account.

Open 10k Regular account you will get moneyback for sure within 3 to 6 months.

Or open Digi Save Youth 5k MAB online

You can close account after getting the card.

 

[Anurag]

Thanks for this information. I might have mistakenly chosen the farmer account otherwise. The DigiSave account seems like a good option.
How can I identify which account is being opened, either by checking the SMS or reviewing documents, to avoid being misled by the account opening agent who might be trying to meet their targets?

 

[Piyush_Jaiswal]

Thanks for this information. I might have mistakenly chosen the farmer account otherwise. The DigiSave account seems like a good option.
How can I identify which account is being opened, either by checking the SMS or reviewing documents, to avoid being misled by the account opening agent who might be trying to meet their targets?

DigiSave Youth is available online I guess. You get Millenia DC by default first year free.

You can do vkyc. You will never face freezing or any such issues with HDFC unless you have done really something fishy or cyber crime department has put the money on hold.

 

[Master Chief 117]

HDFC 2500 wala account is for Farmer, so don't expect pre-approved offers from them.
I have some friends who opened that account, it has been more than 6 months they haven't got any offers for credit card.

They got Millenia DC in instant kit so they are enjoying 400 cashback every month. That's it.

Maybe you get pre-approved after few more months, but you shouldn't expect much from farmer's account.

Open 10k Regular account you will get moneyback for sure within 3 to 6 months.

Or open Digi Save Youth 5k MAB online

You can close account after getting the card.

There is an option to open Regular saving account with ₹2500 AQB just need to select 'Rural' Branch while account opening @Anurag

 

[Piyush_Jaiswal]

There is an option to open Regular saving account with ₹2500 AQB just need to select 'Rural' Branch while account opening @Anurag

Yes, he can choose

But there's many limitations associated with rural branches. Like he won't get upgraded to classis or preferred, they have Vishesh programme for it.
Similarly, you won't get good cards or good limits if your account is tagged under rural branch.

That's the reason I didn't suggest him to go for rural branches.

If you want credit card always prefer urban branches and have urban address in your aadhaar

Most of the rural pincodes won't come under serviceable areas, forget good cards and decent limit.

 

[vine]

Open hdfc

Get millennia dc and use like a you use upi

Pre approved cc offer would show than wait for atleast get millennia cc

For one of my relatives, HDFC is showing moneyback+ for 6 months now, they have 2L+ over past few months.

 

[Piyush_Jaiswal]

For one of my relatives, HDFC is showing moneyback+ for 6 months now, they have 2L+ over past few months.

They will upgrade the offer after few months.