Will HDFC ask for income proof if you already have a preapproved credit card?

[joell]

I currently hold a Moneyback Plus and HDFC UPI card with HDFC (Total monthly spends avg 35k). Got it preapproved. I want to apply for Swiggy card. I'm a student and got those cards preapproved 8 months ago with 50k limit. increased to 56k recently. I did some freelance work in Sept and got around 22k. I haven't worked since then (full-time student since). I tried applying through HDFC, but their portal just says I recently applied (that was 5 months ago). I'm planning on applying through the Swiggy app as self-employed with 22k monthly income. Will this work?
I can substantially cut down on bills with that card. Any suggestions?

 

[kayser]

It will work

 

[aniketkr.sharma]

I currently hold a Moneyback Plus and HDFC UPI card with HDFC (Total monthly spends avg 35k). Got it preapproved. I want to apply for Swiggy card. I'm a student and got those cards preapproved 8 months ago with 50k limit. increased to 56k recently. I did some freelance work in Sept and got around 22k. I haven't worked since then (full-time student since). I tried applying through HDFC, but their portal just says I recently applied (that was 5 months ago). I'm planning on applying through the Swiggy app as self-employed with 22k monthly income. Will this work?
I can substantially cut down on bills with that card. Any suggestions?

They may ask as you don't have any credit history

 

[lovecards]

It should work, wishing you good luck too 🙂

 

[hitirfan]

Try from Swiggy app

 

[joell]

It will work

I'm planning on applying for Bonvoy and If I give salaried 6LPA will they ask for proof? And will that help in getting CE? I've over a year of history with HDFC.

 

[Sobirvs]

They didn't ask me for swiggy card. Just normal KYC.

 

[joell]

They didn't ask me for swiggy card. Just normal KYC.

For Swiggy and Neu you can get easily. IDK about core cards like DCP and Regalia.

 

[Sobirvs]

For Swiggy and Neu you can get easily. IDK about core cards like DCP and Regalia.

i got mil core card LTF without any income docs.

i got it upgraded to regalia gold 3 days back without any income docs.

just get the card and use it, in most cases hdfc is quite rewarding (when it suits them, otherwise they devalue).

 

[joell]

i got mil core card LTF without any income docs.

i got it upgraded to regalia gold 3 days back without any income docs.

just get the card and use it, in most cases hdfc is quite rewarding (when it suits them, otherwise they devalue).

If I give salaried 6LPA during CC application will they ask for proof for existing cc holders? And will that help in getting CE? How long did you have Millennia and limit > 3L?

 

[Sobirvs]

If I give salaried 6LPA during CC application will they ask for proof for existing cc holders? And will that help in getting CE? How long did you have Millennia and limit > 3L?

i got it in 2019. I really don't remember though, I currently have 3.45L CL on it, but when I got the card, how mch CL I had, I don't rem.

 

[joell]

I'm happy with Millennia for now. But I do want DCP or Bonvoy. I got Millennia as a student. If I give salaried 6LPA during Bonvoy application will they ask for proof?

 

[hitirfan]

I'm happy with Millennia for now. But I do want DCP or Bonvoy. I got Millennia as a student. If I give salaried 6LPA during Bonvoy application will they ask for proof?

Yes. They might ask for proof

 

[aniketkr.sharma]

I'm happy with Millennia for now. But I do want DCP or Bonvoy. I got Millennia as a student. If I give salaried 6LPA during Bonvoy application will they ask for proof?

If you already holding millennia, then they will not ask for dcp, also depends on your limit if it surpasses base limit of bonvoy then you will get without income
proof, if it doesn't pass base limit they will ask for income docs

 

[Sobirvs]

If you already holding millennia, then they will not ask for dcp, also depends on your limit if it surpasses base limit of bonvoy then you will get without income
proof, if it doesn't pass base limit they will ask for income docs

btw I rem clicking on a link of hdfc and bonvoy card was already pre-approved. Looking at the fees I backed out llol