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Pre Approved HDFC Credit Card Application Rejected in less than 5 mins

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Spearhead
veteran-hunter

Hi All,
I wanted to share with you all that yesterday I received an SMS from HDFC Bank to apply for a CC. I clicked on the link and followed the process. After entering few details, I was shown 2 pre-approved CC for me viz., Indian Oil CC and Money Back CC. I selected Money Back and proceeded with application as usual.
To my surprise, within a span of 5 mins I got an SMS as We have completed processing your HDFCBank CreditCard App 21HXXXXXXX. For details please visit http://www.hdfcbank.com/personal/credit_card/cc... after 2 days.

When I checked the status , It was written as Your application is DISAPPROVED
If they had to reject the application, then why did they preapprove in the first place?

PS : I am holding this account since 1 year and also I have decent CIBIL Score. Also they have provided me a good EMI limit in my Millenia DC.

Shall I get in touch with Branch staff regarding the same?

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149 Comments  |  
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Shopping Friend Shopping Friend
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Was it specifically mentioned as pre-approved when you were show the card variants?

Spearhead Spearhead
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Yes, it was written as pre approved card for you. Indian oil and Money Back cards were shown

Helpful Helpful
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what does it means If it shows Approved ,
just the application is approved but verification of docs is pending right ?

Spearhead Spearhead
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Not approved. It shows disapproved.

Deal Cadet Deal Cadet
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Same thing happened with me last year. https://ddime.i...0H . Now most probably you will receive a mail where they will tell you to send residence or employment/ITR proof to their office.

Spearhead Spearhead
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A sigh of relief !! Thanks for letting me know about this. So now I can expect the same thing to happen. grinning

Helpful Helpful
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It’s not pre approved in ur case..

If you try to apply again ..it will again shows the same "pre approved " cards..

It’s pre approved only, if it’s showing in your net banking under " offers" Section..

Spearhead Spearhead
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Oh is it?  This is what I see in Net Banking’s offers section.

https://cdn0.desidime.com/attachments/photos/707242/medium/Screenshot_2021-08-22_080539.png?1629600171

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Benevolent Benevolent
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Ignore its kind of cheating by many including HDFC , these people use all wrong words like “unlimited/instant/pre-approved/loan in 5 minutes/…” in reality we all know nothing is unlimited or instant…

Deal Cadet Deal Cadet
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Exactly… last year I’ve also received these fake pre-approved mails from HDFC. And the mail’s specifically mentioned pre-approved
https://i.ibb.co/THzqsMR/IMG-20210821-220330-2....
Applied got rejected within 24 hours 🤣.

Shopping Friend Shopping Friend
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Mine got approved today
But just as i applied i received an email saying apply and get 1500 amazon gv
Dont know if they will give that now @Gaurav_G

Shopping Friend Shopping Friend
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Final approval done? flushed

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Generous Generous
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I think aamazon icici truck wud olay here too

Bank says You got no relation
Open account leave it (as per rbi guideline if You leave a account untouched it will become zero balance account automatically)
You got banking relation
Now apply
Sucess
Thank me later

Deal Subedar Deal Subedar
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Here no pre approved yet ,its 2 year old account,before ban it used to have miliniea offer but now nothing is showing pre approved to me

Deal Subedar Deal Subedar
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I am a student and so even after choosing as student it asking for itr and all ??

Critic Critic
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Of course it would ask because HDFC won’t issue credit card to a student with no income nowadays unless you are rich enough in their(your local branch) eyes. Btw why do you even need credit card as a student unless you are taking it for home expenses in which case it is better to get it under name of your parents.

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Helpful Helpful
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In my case..I just went to hdfc home branch for depositing cash..

The cashier told me you have a credit card offer..and the cashier asked Credit card executive to check my name in “pre approved customer list”

The credit card executive come up with a list and showed me, my name and Customer id in his list.

Application process..

*He just asked basic details..and OTP ..that’s it..

*Same day, I received an alert from CIBIL that HDFC made a CIBIL enquiry..my CIBIL only 705 that time..so I thought it will be rejected.

*.after 2 days I called customer care executive..she told me that, she can see moneyback credit card with 50k limit..

  • On 5th day received approval message.
  • On 6th day received message like "OTP to set your credit card ×××× "
Benevolent Benevolent
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That is how really pre approved offer comes, local branch people also get the intimation
u even get call from local branch saying there is a pre-approved card, in case u do not take offer

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Deal Subedar Deal Subedar
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Even when i am selecting that i am a student,why its asking for itr ? I have 2 year old account and earlier miliniea cc was pre approved before ban i didnt applied but now its not showing as pre approved? Despite good amt of transaction and good balance of 50-40 k and rd of one year

Deal Subedar Deal Subedar
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I uploaded admit card as salary slip lets see what happens 🤣🤣
Helpful Helpful
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oh bhai ye kya padh liya subah subah
smile laughing laughing laughing laughing

heavy driver ho tum to ….

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Spearhead Spearhead
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oh.. meaning of “pre-approved” and “approved to apply for” are different for HDFC people stuck_out_tongue

Spearhead Spearhead
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So you uploaded salary slips from March, means total 5 months salary slips. I just uploaded last month’s slip. So I think this might be the reason that their system automatically rejected the application after detecting that only 1 file was uploaded. rolleyes laughing

Spearhead Spearhead
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I would suggest you not to apply online because if it gets rejected then you will be restricted to apply for next 3 or 6 months (not sure). So better get in touch with their staff.

Shopping Friend Shopping Friend
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HDFC systems can’t be predicted at all (exception is when you’re super rich) else they’ll randomly reject and approve when you least expect it.

It’s based more on luck for people who aren’t super rich :toungueout: joy

Critic Critic
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Also the prospective applicant need to apply through netbanking when it clearly mentions pre-approved. SMS or another portal may lead to higher number of rejection. If one is having savings account with HDFC it’s only a matter of time before pre-approved offer pops up in netbanking. HDFC has just started reissuing cards hence applications may be a lot higher. Those willing to wait will get better offers(LTF) & higher chance of approval.

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Deal Subedar Deal Subedar
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Or i will wait if they rejected they need more and more application their target is 5l per month from September they will distribute to many to achieve this,better not to rush

Helpful Helpful
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I got the following SMS from HDFC bank but no mail:

One Time Password(OTP) for HDFC Bank Credit Card ending with xxxxx is xxxx. Pls use this OTP at HDFC Bank ATM (Language selection screen)to create your ATM PIN before 21Sep21.

Benevolent Benevolent
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Congrats. Which variant of the card did you applied?

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Deal Cadet Deal Cadet
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I have a completely different issue here, due to which I am unable to apply..

My phone number is shared between 3 accounts, 2 accounts under 1 customer ID (personal) and 1 account under business customer ID (firm’s name). When I enter my mobile, it picks up that I am a customer, and wants me to enter customer ID.

If I enter my personal customer ID, it picks my firm’s name. If I enter firm’ ID, it picks my name. Not funny, HDFC. So I am not sure how to continue here. What should I do? Should I change my mobile number in business current account and wait for some days?

Also, for both customer IDs, they are offering a Business Moneyback and a Moneyback credit card, along with two others, the fuel card and Millennia. To reduce rejection rate, I think Moneyback might be the way to go. Can Moneyback card take me higher or is that going to be stuck?

Also, there is an issue with Classic upgrade, that is not happening due to the link not working properly. Any which way, in or after next month I should be getting an offer for Preferred. Should I wait until I am in the Preferred category to apply for cards if until then they do not show a “pre-approved” offer?

Benevolent Benevolent
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apply offline ..

Critic Critic
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@phoenix1386 Most people start their hdfc credit card journey from moneyback only. To get upgraded to regalia/millennia you will have to wait at least a couple of years unless you can significantly increase your total relationship value or submit the eligible income proof criterion for a card.

Shopping Friend Shopping Friend
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So looks like it was a mistake for me applying for Money-back when eligible for Regalia as I was unable to meet the spends threshold (1L in 3 months to make it LTF)?

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Community Angel Community Angel
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Guys how much limit you are getting grinning

Deal Cadet Deal Cadet
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Ok, i applied for millennia cc at around 2:30 in afternoon and now the application status is shown as “approve”(didn’t receive any otp message yet). I am actually amazed 😂.

ps – I chose student for employment and skipped the upload income doc part.

Critic Critic
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Age(less than 30 or more), avg acc balance with hdfc & for how long, cibil score & any existing credit card & whether any direct family member holding good amount of balance in HDFC for long/holding high limit hdfc card?

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Cool Cool
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im classic customer..my wife hdfc account linked with my customer id and her account also classic.. when i check eligibility of cards she got option to choose millennia card

Deal Cadet Deal Cadet
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@RowdyAK47 Yes

@pranavcool Yes, i chose student and just clicked on continue in upload documents part. I applied it from the cards section. See, if it was pre-approved, the limit would be displayed and the card would be generated instantly, which is not the case for anyone here anyway.

Community Angel Community Angel
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bro please check PM

Shopping Friend Shopping Friend
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This also happened for me a few years back

HDFC gave cc to me – student with no income proof)

Even I was stunned. The most surprising part is that it got approved within hours before I could even think anything joy

Deal Cadet Deal Cadet
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Ya same. I only had little hope that it will get approved, but it got approved on the same day 😂

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Deal Newbie Deal Newbie
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Applied And Approved

Limit – 100000

Money Back Card

Deal Cadet Deal Cadet
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When did you apply. I think all people who went through the process of checking pre-approved card and then exited and later again applied are still in process one who applied only once have been approved.

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Shopping Friend Shopping Friend
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What’s wrong with HDFC bank?

Application status was showing as in process

Today morning it changed to declined. Now it’s again showing in process! lol lol

Deal Cadet Deal Cadet
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I got 75k limit boys

Deal Newbie Deal Newbie
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Good Thing Is No Enquiry On CIBIL smile

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