I have a standalone savings account in HDFC and recently received pre-approved Moneyback+ CC offer (not LTF). I am a housewife and donot hold any credit card and don't even have a cibil. I thought it would be good to start with something albeit it's a paid CC. So, applied and then the hassle started
We
no longer stay in the address mentioned in my HDFC account and all the
address proofs of the current residence are in not in my name. In one of
the posts I read that we can get the card delivered to the nearest bank
of there is an address change. So, I waited for the card to be
dispatched and sent back. Later I received a call from customer care and
they out rightly denied to send the card to nearest bank and so I thought to leave as is
Funny
enough, one day after this debacle we received a call from HDFC agent
saying that he is going to visit our house for KYC. It is weird that he
has our current address and was going to verify the same. But, I denied
the verification saying that we don't need the card anymore. I thought
that the card would be cancelled since we rejected kyc, but, few days
ago the card appeared in my HDFC app with card number etc, showing 1 Lac
limit
Now I am not sure what to do, I am receiving mails to
activate the card or it will get cancelled. What would be the best
option for me to choose?
It is not that easy for house wife
without cibil to get a cc, so, would it be wise to get it cancelled? If i
don't have to, what are my other options? Can activate and start using
the card online since I have all the details in the app? If i want to
keep it how to get it delivered to the current address? I have an infant
and it would be hard for me to run around the bank multiple times
Created this account specifically for this query