hdfc bank cc query

31°
Deal Cadet
ProLootersPL
I tried myself for the tata neu and swiggy hdfc card but it was declined. After that getting calls regularly from their agents. Today one person called and told me they are offering ltf tata neu card to me also they are asking me to provide - other card last month statement, pancard photo, passport photo of me. They are telling me that they will fill offline form on my behalf and it's because in online process it was declined so offline one might get approved. What should I do now? Badly want a rupay cc. Any suggestions please comment. 
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Do you already have any hdfc cc? If yes, did you try getting their rupay upi virtual card?

Deal Cadet Deal Cadet
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No, I don't have any card in hdfc

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Firstly, Check the reason (if possible) of the application rejection (low credit score, existing debt, or not meeting the issuer’s eligibility criteria)

Did you try from both respective apps ? If so, Was the pre-approved offer shown in these apps (like FYF/LTF/No Banner)?

In some cases, where you get after calls, it could be an attempt to bypass automated checks But mostly If an agent is offering a "Lifetime Free" (LTF) card after an online rejection, it's worth being cautious

Verify the Legitimacy of the Offer by email confirmation as sometimes like stated above you might still get the card (incase not rejected again) but with charges(No LTF)

Note - Also share your PAN card photo, passport photo, or bank statements when you're absolutely certain the process is legitimate and secure & good to share over official mail

If you're particularly interested in a RuPay card, there are other banks and issuers that offer credit cards on the RuPay network which might offer better approval chances

👮

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