Card to Card HDFC - rejection and CIBIL Hard Enquiry

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Deal Cadet
freeloaderz

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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12 Comments  |  
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Wingman Wingman
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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

Deal Cadet Deal Cadet
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Yes, like in last 60 days. 
Deal Subedar Deal Subedar
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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

Deal Cadet Deal Cadet
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Yes surely, I am determined to go all the way given CIBIL Enquiries and CC rejection, since I applied on Card to Card basis.
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Shopping Friend Shopping Friend
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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.

Deal Cadet Deal Cadet
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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.

Deal Newbie Deal Newbie
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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!

Deal Cadet Deal Cadet
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Sad, did you complain this to nodal officer or ombudsman? Complain for multiple CIBIL enquiries not card application getting declined.

Deal Newbie Deal Newbie
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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..

Deal Cadet Deal Cadet
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Same experience so far for me too, ICICI taking action whereas HDFC delaying dates one after another. Not gonna spare HDFC no matter what the outcome is 
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