Which bank is good in giving Pre Approved offer?

[Akashn]

I said in pre approved offers. I found they are good for atleast🤣

ICICI and pre approved cc offer? 😭
I tried that way and didn't get anything.

 

[tushu5121]

daily basis pr sms ata hai ki

banking issue hai transcation fail honge is time se is time tk

Are bhai ye log 4 5 din tk bill update nhi krte even upi se bhi payment kro fir bhi.
Ar payment update ho bhi gya fir bhi iski app me bill due show krta h ar pay ka option ata h.

 

[varun__goel_]

Hello everyone..

Here are most of the people using credit cards and they are well aware of Pre approved offers sent by bank time to time.

Today lets discus which bank is good In giving Pre Approved offers like pre approved credit cards for 1st time
Limit enhancement
Card Upgrade offers etc


In my experiance i love ICICI bank the most
THen kotak bank,


And the worst is HDFC and axis bank


Share your thoughts and expeirance also

Thank you.

If you do good amount of spending via HDFC & Axis DC, they do offer card very easily. Only maintaining a good amount does not matter.

They should get to know that you can help them earn some money by using their cards. (my theory and always work🙂). I maintain very low amounts and still get pre approved offers

 

[SSV]

I am talking about both... but specifically CC.
Means a person Holding SB and want new Cc.
And a person Holding CC and want Upgrade or LTF or LE offers as pre approved

So, basically a sb account holder of a bank
who is:
1) trying to get his / her first CC of the bank
And/ Or
2) trying to get, a card variant upgrade and/or a limit enhancement offer..

Guys now the decks are clear.
Pounce on it...

 

[varun__goel_]

I hold a Co-branded CC

This is the reason for no offers from HDFC

Always get a HDFC core card first

 

[tushu5121]

If you do good amount of spending via HDFC & Axis DC, they do offer card very easily. Only maintaining a good amount does not matter.

They should get to know that you can help them earn some money by using their cards. (my theory and always work🙂). I maintain very low amounts and still get pre approved offers

I have LI. Business Loan. and for Debit card use hdfc debit card the most. For some bill payments and Shopping.
trust me hdfc bank is living in anciant world of banking
Send by post

 

[rrsji]

This is the reason for no offers from HDFC

Always get a HDFC core card first

the sole reason i never had HDFC card till now.

 

[varun__goel_]

Send by post

This is another story. Can't even say anything about it🤣🤣
Their LE and upgrades are🤢

For pre approved card offers, they do offer very easily. I don't what is stopping HDFC to give you pre approved card

 

[jetesh]

daily basis pr sms ata hai ki

banking issue hai transcation fail honge is time se is time tk

correct .... .....

 

[SSV]

the sole reason i never had HDFC card till now.

And try to be a HDFC CC virgin for as long as possible until you get your desired variant with sufficient CL.

Otherwise, once you lose your HDFC CC virginity, HDFC never looks at you , ever again...

This is a very key concept in HDFC CC hunting...

 

[rrsji]

And try to be a HDFC CC virgin for as long as possible until you get your desired variant with sufficient CL.

Otherwise, once you lose your CC virginity, JDFC never looks at you ever again...

This is a very key concept in HDFC CC hunting...

i tried to apply for HDFC DCB LTF via alumni program, however offer closed without getting card approved. so HDFC have my data, but I decided to not proceed until I get proper one or LTF

 

[Sourabh_13]

This is the reason for no offers from HDFC

Always get a HDFC core card first

Ye galti mujhase TF join karane se pahale hui hai 🥲.

And now I am kind of stuck with the current card. ₹500 Amazon/Flipkart/Others ka Quarterly ₹30K ke spends pr voucher, 10% valueback on train ticket bookings aur baki 1% flat reward rate are making it hard for me to close this card. Also, I have reward points worth ₹ 5K so far. Without redeeming them, I can't think of closing it...

 

[BCh]

...My family member having IDFC Wealth savings AC (but no CC/loans/credit history) for just over 6 months got pre-approved Wealth CC with 1.09L limit...
While I struggled to upgrade from Select to Wealth CC (holding Wealth Savings AC for longer period, good Cibil, other CC with 5L limit) and eventually closed IDFC CC...Banks work on weird algorithms, I concluded.

 

[Pho3nix]

From my observation on various forums and Reddit, HDFC Max Savings account holders get good pre-approved offers.

Not true. HDFC has stopped giving any offer.

 

[jetesh]

Not true. HDFC has stopped giving any offer.

ICICI and IDFC for sure

 

[Pho3nix]

If you do good amount of spending via HDFC & Axis DC, they do offer card very easily.

What amount is considered a good amount by Habsi & Ax$h!t bank?

 

[SamPtnk]

And try to be a HDFC CC virgin for as long as possible until you get your desired variant with sufficient CL.

Otherwise, once you lose your HDFC CC virginity, HDFC never looks at you , ever again...

This is a very key concept in HDFC CC hunting...

Yess

 

[Pho3nix]

ICICI & IDFC are the most generous.

 

[Pho3nix]

And try to be a HDFC CC virgin for as long as possible until you get your desired variant with sufficient CL.

Otherwise, once you lose your HDFC CC virginity, HDFC never looks at you , ever again...

This is a very key concept in HDFC CC hunting...

Lifetime virgin to nahin rakhta? 😳

 

[newinnov]

And try to be a HDFC CC virgin for as long as possible until you get your desired variant with sufficient CL.

Otherwise, once you lose your HDFC CC virginity, HDFC never looks at you , ever again...

This is a very key concept in HDFC CC hunting...

There is a high chance you might be left high and dry!
In 2024, offer only upgrades to certain point then goes downwards... 😀

Lifetime virgin to nahin rakhta? 😳

High chances, Either if your expectations are not aligned with reality... or your stars are not aligned.... 😁