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?

 

[Credit_Cards]

If they ask for employment details there will be a CIBIL hit usually. But as long as it's not that different should be fine.
If it's pre approved very little chance of asking. I lied on my Swiggy and Neu cards as self employed and went through. But that isn't t the same for core cards. If it's your first card with HDFC there is a higher chance of them asking. I got MB+ when I was a student.

even if they ask for details and might hit cibil but there will be no verification

 

[GTSaketh]

If they ask for employment details there will be a CIBIL hit usually. But as long as it's not that different should be fine.
If it's pre approved very little chance of asking. I lied on my Swiggy and Neu cards as self employed and went through. But that isn't t the same for core cards. If it's your first card with HDFC there is a higher chance of them asking. I got MB+ when I was a student.

What did you enter when you got MB+

 

[GTSaketh]

It depends on your cibil hit, if you are already salaried there, they might not ask.

I mentioned Salaried in my HDFC Profile

 

[Aniket Sharma]

I mentioned Salaried in my HDFC Profile

Is your cibil score generated?

If yes check in cibil profile

If no then it will be required

 

[GTSaketh]

Is your cibil score generated?

If yes check in cibil profile

If no then it will be required

Yes, I have axis and onecard for 8 months. But I mentioned as self employed. Score :778

 

[Aniket Sharma]

Yes, I have axis and onecard for 8 months. But I mentioned as self employed. Score :778

Then in this case, they will ask for proofs

 

[Sobirvs]

Then in this case, they will ask for proofs

why? I applied for swiggy 9-10 months back or more, and I am self employed as per hdfc but never they asked for income docs.

 

[Aniket Sharma]

why? I applied for swiggy 9-10 months back or more, and I am self employed as per hdfc but never they asked for income docs.

Depends on your transaction too but as he got pre-approved offers its almost just demanding everything when you apply

 

[GTSaketh]

Depends on your transaction too but as he got pre-approved offers its almost just demanding everything when you apply

I thought pre approved means less information needed when applying.

Also, when you say transactions you mean from DCP/UPI?

 

[Sobirvs]

I thought pre approved means less information needed when applying.

Also, when you say transactions you mean from DCP/UPI?

yeah, any pre-approved offer i ahve ever received from any bank, they never ever ask for docs unless it's "pre qualified" or some other BS terminology.

 

[Aniket Sharma]

I thought pre approved means less information needed when applying.

Also, when you say transactions you mean from DCP/UPI?

Transactions in account, what value you hold in terms of relationship.

Most of the time for pre-approved offers, all depends on cibil hit.

They may ask you all thing, they may directly give you card approved.

 

[GTSaketh]

Transactions in account, what value you hold in terms of relationship.

Most of the time for pre-approved offers, all depends on cibil hit.

They may ask you all thing, they may directly give you card approved.

I have done around 5L debits and 5L credits until now. Mostly used debit card. Mostly maintained 10k. Few 2-3months maintained 50k - 1L. No FD's

 

[Aniket Sharma]

I have done around 5L debits and 5L credits until now. Mostly used debit card. Mostly maintained 10k. Few 2-3months maintained 50k - 1L. No FD's

Bro, this is out of range question for us

 

[samaresh18]

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?

I have cibil 715.Have only 4 loans from cibil builder programe.
I have no income proof.
Please suggest me in which bank should I open a savings account to get pre-approved credit card/personal loan.
hdfc or axis or anything..can afford 10k mab

 

[joell]

I have cibil 715.Have only 4 loans from cibil builder programe.
I have no income proof.
Please suggest me in which bank should I open a savings account to get pre-approved credit card/personal loan.
hdfc or axis or anything..can afford 10k mab

HDFC or Axis if you are under 21. If above 21 IDFC, ICICI and Indusind are also worth a try. Yes Bank, SBI, BOBcard, AU, PNB, and HSBC all ask for proof.

 

[GTSaketh]

https://www.desidime.com/discussions/office-declaration-for-a-declined-hdfc-pre-approved-card-moneyback-exusting-customer

is this true? HDFC sent office address declaration form to a user for pre-approved credit card