I got SBI simpliclick around 5 years ago and never bothered about other bank CCs. Then I found this community and now I have five credit cards from ICICI, two from axis, two from bob, one from each PNB and Yes (Klick). Only PNB asked documents few times, smooth application process for other cards.
Indusind, AU and federal have policy issues with me. IDFC wants me to have their secured card only. No interest in Kotak cards. Rejected for SBI Cashback twice, first time internal policy and second time "because already holding sbi card."
Now, all I am saying is, a bank should either accept or reject an application. But HDFC was something else.
1. About two years ago, applied for paid Moneyback. Kyc done, office verification done. REJECTED
2. Applied for paid Millennia, kyc done, Home verification done. REJECTED.
3. Applied LTF Millennia via C2C. REJECTED.
4. Applied LTF Millenia via C2C + sending self attested physicial documents to chennai- Approved.
However, one common thing about all four above occurrences is their frustrating portal. Sometimes, the application status showed INPROCESS, next day DECLINED, then a day or two later, INPROCESS and so on. Those days, this nonsense continued for days. Even their child plarform Payzapp has rectified "Full KYC" wallet issue these days but HDFC have been continuously confusing customers.
I have been trying to get their NeuCard since last one year in pursuit of decent UPI card, tried all hacks like "tcs employee" trick but unsuccessful. Two months ago, I again submitted application for Neucard plus. Office verification was done. Two days after that, got sms and email that application was rejected. Time passed, I forgot. Then I got even better upi card than Neu Plus- Klik (Kiwi). But But But, out of the blue, I got sms about cibil enquiry done by HDFC three days ago and today the card was delivered. It was rejected when I wanted and delivered when I don't know what to do with this. I don't even want to open the sealed envelope. L Bank!
Indusind, AU and federal have policy issues with me. IDFC wants me to have their secured card only. No interest in Kotak cards. Rejected for SBI Cashback twice, first time internal policy and second time "because already holding sbi card."
Now, all I am saying is, a bank should either accept or reject an application. But HDFC was something else.
1. About two years ago, applied for paid Moneyback. Kyc done, office verification done. REJECTED
2. Applied for paid Millennia, kyc done, Home verification done. REJECTED.
3. Applied LTF Millennia via C2C. REJECTED.
4. Applied LTF Millenia via C2C + sending self attested physicial documents to chennai- Approved.
However, one common thing about all four above occurrences is their frustrating portal. Sometimes, the application status showed INPROCESS, next day DECLINED, then a day or two later, INPROCESS and so on. Those days, this nonsense continued for days. Even their child plarform Payzapp has rectified "Full KYC" wallet issue these days but HDFC have been continuously confusing customers.
I have been trying to get their NeuCard since last one year in pursuit of decent UPI card, tried all hacks like "tcs employee" trick but unsuccessful. Two months ago, I again submitted application for Neucard plus. Office verification was done. Two days after that, got sms and email that application was rejected. Time passed, I forgot. Then I got even better upi card than Neu Plus- Klik (Kiwi). But But But, out of the blue, I got sms about cibil enquiry done by HDFC three days ago and today the card was delivered. It was rejected when I wanted and delivered when I don't know what to do with this. I don't even want to open the sealed envelope. L Bank!
