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Should I wait for a better offer ?

StanRoute66

StanRoute66

TF Ace
VIP Lounge
I have got 1.49L limit Offer . If it were 1.5L (just 1k more than 1.49k) Then , I would've got Select CC Pre-Approved.
Should I Accept this offer or wait for a better limit offer ?

FYI :
1. My City is still Non-serviceable . I got this Offer purely on the basis of Running account .
2. I have got Select Account Variant from IDFC First . Would my RM/BM help in anyway ? cus it's an auto-generated offer .
3. I cant apply C2C with my high limit cards as my area is not serviceable .

1655401651528.png

There was this man in some CC Telegram group who had waited from Classic card offer , got select CC Offer in few weeks and got wealth card offer after a few months !
Do you know anyone who has done this? Let me know
 
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StanRoute66 said:
I have got 1.49L limit Offer . If it were 1.5L (just 1k more than 1.49k) Then , I would've got Select CC Pre-Approved.
Should I Accept this offer or wait for a better limit offer ?

FYI :
1. My City is still Non-serviceable . I got this Offer purely on the basis of Running account .
2. I have got Select Account Variant from IDFC First . Would my RM/BM help in anyway ? cus it's an auto-generated offer .
3. I cant apply C2C with my high limit cards as my area is not serviceable .

View attachment 1831

There was this man in some CC Telegram group who had waited from Classic card offer , got select CC Offer in few weeks and got wealth card offer after a few months !
Do you know anyone who has done this? Let me know
Click to expand...
My mom ... She did not accept the Classic/Millenia offered to her few months back.

Just today, she received a call from RM for upgrade to Select Banking Program as well as Select CC.

Note: She has no other CC
 
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StanRoute66 said:
she getting Select CC for sure ? or is she pre-qualified ?
Click to expand...
It shows to my RM that she is pre-qualified.

So I actually spoke to my mother's RM, and availed the Select Banking Program.

Did not agree for applying to Select CC as she uses some of my CCs for her purchases which helps in accumulating all spending points/rewards in those few specific cards on my name.
 
Upvote 0 Downvote
StanRoute66 said:
I have got 1.49L limit Offer . If it were 1.5L (just 1k more than 1.49k) Then , I would've got Select CC Pre-Approved.
Should I Accept this offer or wait for a better limit offer ?

FYI :
1. My City is still Non-serviceable . I got this Offer purely on the basis of Running account .
2. I have got Select Account Variant from IDFC First . Would my RM/BM help in anyway ? cus it's an auto-generated offer .
3. I cant apply C2C with my high limit cards as my area is not serviceable .

View attachment 1831

There was this man in some CC Telegram group who had waited from Classic card offer , got select CC Offer in few weeks and got wealth card offer after a few months !
Do you know anyone who has done this? Let me know
Click to expand...
Man there is no point of discussion that you are entitled to get a Select Credit Card.
If you are holding a Select Account that means you will get not anything downgraded than Select Credit Card.
Have a look at the screenshot below & talk to your RM, put pressure on them, you will get it.
1655408785907.png
 
Apply For LTF HDFC Swiggy Credit Card
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hriday.haria said:
It shows to my RM that she is pre-qualified.

So I actually spoke to my mother's RM, and availed the Select Banking Program.

Did not agree for applying to Select CC as she uses some of my CCs for her purchases which helps in accumulating all spending points/rewards in those few specific cards on my name.
Click to expand...
yea so Pre-qualified is different from actually getting it .
 
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hriday.haria said:
Yes. Pre-qualified is basically there won't be any cibil enquiry and issued directly. Anyways I have not asked them not to issue it, as my mom uses my CC to makes her spends. Helps me keep my cards active, and accumulate points on one/few CCs
Click to expand...
That is the definition of Pre-Approved .
Pre-Qualified is nothing but meeting criteria and you may not get the CC .
 
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Krish said:
My HDFC cc was pre approved, but still I got a cibil enquiry .
Click to expand...
Was it pre-approved on mail or by RM ?
If it was from a third-party or any tele-caller, most probably it wasn't pre-approved. Just a sales trick by them to make you apply for it.
My HDFC CC was pre-approved and I got no CIBIL enquiry.
In case it was on mail or BM/RM, you can always take it up with them to get it removed.
 
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hriday.haria said:
Was it pre-approved on mail or by RM ?
If it was from a third-party or any tele-caller, most probably it wasn't pre-approved. Just a sales trick by them to make you apply for it.
My HDFC CC was pre-approved and I got no CIBIL enquiry.
In case it was on mail or BM/RM, you can always take it up with them to get it removed.
Click to expand...
I saw the pre approved from my net banking and applied for it online.
 
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