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Swiggy HDFC Credit card rejected
- Thread starter abhipsab
- Start date
ImKushal
TF Select
Should i try or drop them email?
They don't reply even takes so much days
ImKushal
TF Select
Call customer service only option or else contact them via twitter with ur application details they'll tell u the reason
If they dont give a valid reason or no reason then try to get a core card first after 6 months. Till then assume that they are worried about your health and don't want you to order too much food through swiggy . That will keep your spirits up and body fit for the next 6 months when you apply again.
Don't waste your time and energy chasing these buggers. They rejected my fiancee's application, and when I asked for the exact reason, they kept telling me it was a business decision based on multiple factors. Even escalating it to the grievance cell citing RBI's directive didn't help. So you either ignore them and move on, or ask them for the exact reason over emails, and then report to the RBI Ombudsman with all the proofs.
shivammishra
TF Neo
I recently attempted to apply for the Swiggy credit card through the Swiggy app, but encountered an issue during the process. Despite following the steps provided, I was unable to complete my application. facing this issue and got cibil enquire .
Preetam27
TF Neo
I faced a similar issue and discovered later that my internet banking password was expired. Went to HDFC Net Banking website, updated the password and then re-tried the bank verification from Swiggy App and it was successful in the first attempt itself.
joell
TF Buzz
Did they ask for any verification of income or anything? I just applied for the card via the Swiggy app. 3-year relationship with HDFC. Holding Moneyback+ for 9 months and UPI card for 6 months. I did some freelancing a while back for a month and just multiplied by 12. Its still below the ITR required for self-employed. Im a full time student now. Will they ask for proof?
ImKushal
TF Select
Hey everyone,
I wanted to share my frustrating experience with the HDFC BizGrow Credit Card. After an initial rejection, the card was approved following a grievance, but with a very low limit of ₹15,000. Despite my request not to activate it until a suitable limit was granted, HDFC activated the card and added it to my CIBIL report.
This isn't my first issue with HDFC. I closed my previous MoneyBack Business Card due to a similarly low limit of ₹16,000, despite applying for C2C with a ₹60,000 limit. After months of trying to get a limit increase, I gave up and closed the card.
Now, with another low limit on this new card, I’m unsure whether to activate it or close it again. Has anyone faced similar issues? Any advice on dealing with HDFC or getting a better limit would be appreciated!
Thanks!
I wanted to share my frustrating experience with the HDFC BizGrow Credit Card. After an initial rejection, the card was approved following a grievance, but with a very low limit of ₹15,000. Despite my request not to activate it until a suitable limit was granted, HDFC activated the card and added it to my CIBIL report.
This isn't my first issue with HDFC. I closed my previous MoneyBack Business Card due to a similarly low limit of ₹16,000, despite applying for C2C with a ₹60,000 limit. After months of trying to get a limit increase, I gave up and closed the card.
Now, with another low limit on this new card, I’m unsure whether to activate it or close it again. Has anyone faced similar issues? Any advice on dealing with HDFC or getting a better limit would be appreciated!
Thanks!
Anindya98
TF Legend
when you are applying for C2C always use a card with a minimum 1L limit and more than a year old. Use your HDFC card regularly you will get LE. Don't close your card. It will be difficult to get for the 3rd time with a higher limit.
Open a SB that will help you.
ImKushal
TF Select
I did had account with them of 10k they charged me with so much useless charges i closed the Acc. With them
I've axis Flipkart with 1.3L Limit should i close my newly Delivered HDFC Card and apply after 3 month C2C through Axis Or start using HDFC right away if yes thn how much time & Utilisation?
Anindya98
TF Legend
How old is your FK Axis?
If your card is already reported to Cibil closing it doesn't make any sense to me. Even if you apply C2C they will give you a lower limit based on your previous interactions. People think if you apply for C2C you will get a higher limit which is not true all the time. For example, I applied for C2C IDFC and got 1.38L using my ICICI 4.2L and IndusInd gave me a pre-approved 4.62L without any verification.
My initial HDFC limit was 45K after one year of usage and got an LE of 29K, the current limit is 74K.
ImKushal
TF Select
Axis FK is almost 2yr old how much should i utilise the card to get the limit enhancement on HDFC if i activate itHow old is your FK Axis?
If your card is already reported to Cibil closing it doesn't make any sense to me. Even if you apply C2C they will give you a lower limit based on your previous interactions. People think if you apply for C2C you will get a higher limit which is not true all the time. For example, I applied for C2C IDFC and got 1.38L using my ICICI 4.2L and IndusInd gave me a pre-approved 4.62L without any verification.
My initial HDFC limit was 45K after one year of usage and got an LE of 29K, the current limit is 74K.
Anindya98
TF Legend
Regular usage matters and sometimes try to use 90% of the total limit.
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