Card to Card HDFC - rejection and CIBIL Hard Enquiry
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hello Dimers,
I had applied for HDFC credit card on Card to Card basis given that I had an ICICI credit card with limit >8 lakhs.
Now I came to know that my HDFC Credit card application got declined, and above else, they even did 3 CIBIL Hard enquiries :(
Can someone from desidime community share your experience in similar situation about,
1. were there multiple hard CIBIL hit when you applied using Card to Card application method with HDFC?
2. If you card was approved/rejected by HDFC
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complain to RBI and ask for the reason why 3 enquires with rejection
HDFC will beg and give you the best card to close the complain
Sad to see this on reddit too https://www.reddit.com/r/CreditCardsIndia/comme...
looks like HDFC does not care if applicant's CIBIL gets screwed
Ah it's common with hdfc too do multiple enquiries.
I recently applied neu rupay infinity card for a family member from app & for some reason application was lost as per nodal officer.
On my request he arranged a sales executive which took his sweet time (around a week for docs collection C2C) & on 47th day hdfc neu plus card arrived instead of infinity.
Cibil was 792, 6Yrs of history for the person for which card was applied & docs submitted for C2C had limit of 688K kotak card & received limit was 60k from hdfc. Crazy.
No points complaining to RBI as 1in 1k case gets any success.
i am determined to complain, if nothing else then at least for my own satisfaction. I won't let them get away easily with 5 Hard CIBIL enquiries and dropping my CIBIL score below 750 and 2 months of frustration.
Had applied for Tata neu Infinity card via Tata Neu app. They not only rejected the application asking me to enhance my limit on my exisiting Regalia credit card but also made 3 hard enquiries!
Sad, did you complain this to nodal officer or ombudsman? Complain for multiple CIBIL enquiries not card application getting declined.
I did mark a mail to the nodal officer and Grievance cell. Awaiting their reply...
ICICI is better at handling such situations somehow...I had mailed them regarding closing my credit card and updating CIBIL...else will file a complaint with RBI..They were quick to take an action..
Applied recently? HDFC CC application status is glitchy. Shows rejected at first and they process at backend. Wait for few more days and take decision