pre approved offer

[shrey1290]

So do u guys know how do i get pre-approved offer in hdfc.
My situation right now is:
1) I have an fd backed icici instant platinum credit card with 45k limit
2)I am 19 yrs old
3)civil of 760, Experian of 764

the issue here is my age as I believe no bank gives card to under 21.
So I don't have an account in hdfc bank but should I open a saving account in hdfc so that I can get pre approved offers? if so which type of saving account should I open.

 

[SSV]

o I don't have an account in hdfc bank but should I open a saving account in hdfc so that I can get pre approved offers? if so which type of saving account should I open

Yes, preferably Savings Max

 

[shrey1290]

Yes, preferably Savings Max

i just tried opening account online right now it shows only 2 options

 

[SSV]

i just tried opening account online right now it shows only 2 options

Essentially, the higher the account type the better the pre approved offer chance..
If you can afford 10k AMB, then select that and later you can upgrade it to 25k Savings Max thru digitally

 

[sidp]

So do u guys know how do i get pre-approved offer in hdfc.
My situation right now is:
1) I have an fd backed icici instant platinum credit card with 45k limit
2)I am 19 yrs old
3)civil of 760, Experian of 764

the issue here is my age as I believe no bank gives card to under 21.
So I don't have an account in hdfc bank but should I open a saving account in hdfc so that I can get pre approved offers? if so which type of saving account should I open.

Essentially, the higher the account type the better the pre approved offer chance..
If you can afford 10k AMB, then select that and later you can upgrade it to 25k Savings Max thru digitally

Don't open 10K mab account, it'll deduct dc charges.
Either open digi youth account ( 2.5K mab, fyf millenia dc free) or savings max(25k mab, ltf esp dc)

 

[Vasuki]

So do u guys know how do i get pre-approved offer in hdfc.
My situation right now is:
1) I have an fd backed icici instant platinum credit card with 45k limit
2)I am 19 yrs old
3)civil of 760, Experian of 764

the issue here is my age as I believe no bank gives card to under 21.
So I don't have an account in hdfc bank but should I open a saving account in hdfc so that I can get pre approved offers? if so which type of saving account should I open.

Don't open 10K mab account, it'll deduct dc charges.
Either open digi youth account ( 2.5K mab, fyf millenia dc free) or savings max(25k mab, ltf esp dc)

Open digi youth .
6 month no non maintenance charges
1 yea r free dc .


Do High volume transaction
6-8 month

Icici will give u apay ..how month old is icici plat chip

 

[shrey1290]

Open digi youth .
6 month no non maintenance charges
1 yea r free dc .


Do High volume transaction
6-8 month

Icici will give u apay ..how month old is icici plat chip

icici aint giving bro my plat is 4 months now. i contacted amazon and they told u have low or no ML score which doesn't make sense

 

[Vasuki]

icici aint giving bro my plat is 4 months now. i contacted amazon and they told u have low or no ML score which doesn't make sense

Wait for 6 month...it will come pre approved
Once u get pre approved apay

Contact icici on x to chnge application from normal to existing card number one

 

[Trust Me]

... i contacted amazon and they told u have low or no ML score which doesn't make sense

It sure doesn't! The phrase "ML score", that is. To me.
.

 

[shrey1290]

It sure doesn't! The phrase "ML score", that is. To me.
.

this is what they said "
As we've escalated the issue, & as per the update, as we checked, you are not eligible for CBCC due to low ML Score.

As you are found to have a low ML Score and is deemed ineligible for CBCC (which could stand for a specific financial product or service), it typically means that the customer's creditworthiness or eligibility for that particular financial product is low.

This could be due to various factors, such as a history of late payments, a high level of debt, a lack of credit history, or other factors that the machine learning model used to calculate the ML Score takes into account."

 

[SSV]

this is what they said "
As we've escalated the issue, & as per the update, as we checked, you are not eligible for CBCC due to low ML Score.

As you are found to have a low ML Score and is deemed ineligible for CBCC (which could stand for a specific financial product or service), it typically means that the customer's creditworthiness or eligibility for that particular financial product is low.

This could be due to various factors, such as a history of late payments, a high level of debt, a lack of credit history, or other factors that the machine learning model used to calculate the ML Score takes into account."

DO you have ICICI SB account?

 

[shrey1290]

DO you have ICICI SB account?

Yep I do

 

[SSV]

Yep I do

Then please check, iscore under discovery tab and update here..

 

[iSayyed]

Then please check, iscore

Now ICICI provides pre-approved offers based on iscore?

 

[SSV]

Now ICICI provides pre-approved offers based on iscore?

NO, not came to that conclusion yet.
still I am trying to analyse and understand... how it is working.. please wait .

 

[Vasuki]

Now ICICI provides pre-approved offers based on iscore?

My I score stuck on 41 since ages .

 

[iSayyed]

My I score stuck on 41 since ages .

you took any loan there?

 

[Vasuki]

you took any loan there?

No .
3 year ago 2 month k lye OD THA. For 3 month

Then nothing

 

[varun__goel_]

i just tried opening account online right now it shows only 2 options

There should be an option of choosing other account variant somewhere. Have a look once again
Otherwise open digiyouth and upgrade to SB Max after full kyc using insta services

 

[manzparty]

NO, not came to that conclusion yet.
still I am trying to analyse and understand... how it is working.. please wait .

@SSV sir what is the use of iScore; mine is 81 is it good or bad ?