Hot Deal HDFC credit card application track issue

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Deal Cadet
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Hi guys, so I had applied for hdfc cc and got a verification call today.On the call the lady helped me in completing the application as I don’t have an office phone number because of which the application was not going forward. I got the tracking number too through sms and it said to check after two days, but due to curiosity I checked immediately and it shows application decline.
So the application has been declined or will the status change after two days?

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Most likely declined.
Better to wait for pre-approved CC

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caks2006407 wrote:

Most likely declined.
Better to wait for pre-approved CC

HDFC offering pre-approved CC nowadays ?

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@xera0117 , It’s declined but do not apply again for the same…You will need to wait for 6 more months now to reapply or it will be declined again…If you badly need their CC (maybe for the upcoming Amazon Great Indian Festival sale??) , open an FD & get a Secured FD based CC from them or you can wait till the pre-approved offer comes which actually may never come as no-one can guarantee after how many months & years you will get a pre-approved offer from the bank…

I have my Axis account since 2003…They gave me Pre-Approved CC in 2017 lol… laughing

So, if you need their CC, don’t wait & book an FD to get a CC against it…You will get it almost immediately doesn’t matter what your CIBIL score is & what income you have & they won’t ask you for any kind of documents or income proofs also as the CC will be tied to your FD…

If it’s not urgent for you & you don’t want to book an FD with them, then you can wait (indefinitely) to get a pre-approved offer from the bank…

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Sushrut.B wrote:

@xera0117 , It’s declined but do not apply again for the same…You will need to wait for 6 more months now to reapply or it will be declined again…If you badly need their CC (maybe for the upcoming Amazon Great Indian Festival sale??) , open an FD & get a Secured FD based CC from them or you can wait till the pre-approved offer comes which actually may never come as no-one can guarantee after how many months & years you will get a pre-approved offer from the bank…

I have my Axis account since 2003…They gave me Pre-Approved CC in 2017 lol… laughing

So, if you need their CC, don’t wait & book an FD to get a CC against it…You will get it almost immediately doesn’t matter what your CIBIL score is & what income you have & they won’t ask you for any kind of documents or income proofs also as the CC will be tied to your FD…

If it’s not urgent for you & you don’t want to book an FD with them, then you can wait (indefinitely) to get a pre-approved offer from the bank…

Thanks so much for the reply. Yes I applied specially for the Amazon sale as my maximum purchases are from there. It’s sad coz I got a message saying your card has been e-approved in principle later at night. Not going to apply with fd as limit will be stuck with the fd amount right? I also added 50k to my account before applying thinking it might help with the process grin

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Sushrut.B wrote:

@xera0117 , It’s declined but do not apply again for the same…You will need to wait for 6 more months now to reapply or it will be declined again…If you badly need their CC (maybe for the upcoming Amazon Great Indian Festival sale??) , open an FD & get a Secured FD based CC from them or you can wait till the pre-approved offer comes which actually may never come as no-one can guarantee after how many months & years you will get a pre-approved offer from the bank…

I have my Axis account since 2003…They gave me Pre-Approved CC in 2017 lol… laughing

So, if you need their CC, don’t wait & book an FD to get a CC against it…You will get it almost immediately doesn’t matter what your CIBIL score is & what income you have & they won’t ask you for any kind of documents or income proofs also as the CC will be tied to your FD…

If it’s not urgent for you & you don’t want to book an FD with them, then you can wait (indefinitely) to get a pre-approved offer from the bank…

HDFC is s****. Have 1 year old a account with 30k+ average balance completed one debit card EMI have 750+ CIBIL still no pre approved offer. Applied 3 time always rejected. Now I’ll maintain only minimum balance. No point maintaining High balance for that peanut interest.

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xera0117 wrote:

Thanks so much for the reply. Yes I applied specially for the Amazon sale as my maximum purchases are from there. It’s sad coz I got a message saying your card has been e-approved in principle later at night. Not going to apply with fd as limit will be stuck with the fd amount right? I also added 50k to my account before applying thinking it might help with the process grin

The Amazon offer is both on the HDFC Bank Debit & Credit cards by the way so since you already have a debit card from HDFC, you can still get that 10% off on the upcoming sale…Later you can try for CC also…You can get 10% off on HDFC Debit Card EMI too…You can check your Debit card EMI limit in your HDFC Netbanking’s offer section…

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Vladimir-Putin wrote:

HDFC is s****. Have 1 year old a account with 30k+ average balance completed one debit card EMI have 750+ CIBIL still no pre approved offer. Applied 3 time always rejected. Now I’ll maintain only minimum balance. No point maintaining High balance for that peanut interest.

I agree…I also keep the minimum AMB there…These people didn’t give me a card upgrade in over 3 years…Still using the same crappy MoneyBack…They won’t give much offers until we go for their Classic or Preferred variant I think…I keep the minimum AMB in Axis & ICICI too for no offers except crap two-wheeler, 4-wheeler & personal loan offers…

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Sushrut.B wrote:

The Amazon offer is both on the HDFC Bank Debit & Credit cards by the way so since you already have a debit card from HDFC, you can still get that 10% off on the upcoming sale…Later you can try for CC also…You can get 10% off on HDFC Debit Card EMI too…You can check your Debit card EMI limit in your HDFC Netbanking’s offer section…

I know but with CC would have got cashback, supercash etc on repayment grin

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xera0117 wrote:

I know but with CC would have got cashback, supercash etc on repayment grin

For now, be happy with the 10% discount…Don’t be greedy… Kidding… stuck_out_tongue

Since your appli just got declined, you can only get a cc by FD from them…There is no other way except waiting for 6 months again to reapply…

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Sushrut.B wrote:

For now, be happy with the 10% discount…Don’t be greedy… Kidding… stuck_out_tongue

Since your appli just got declined, you can only get a cc by FD from them…There is no other way except waiting for 6 months again to reapply…

Naa you right sob sweat_smile…I’ll wait for pre approved offer only, will not give much bhaav to this bank sleepy

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Vladimir-Putin wrote:

HDFC is s****. Have 1 year old a account with 30k+ average balance completed one debit card EMI have 750+ CIBIL still no pre approved offer. Applied 3 time always rejected. Now I’ll maintain only minimum balance. No point maintaining High balance for that peanut interest.

How much they offered for debit card limit

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Vladimir-Putin wrote:

HDFC is s****. Have 1 year old a account with 30k+ average balance completed one debit card EMI have 750+ CIBIL still no pre approved offer. Applied 3 time always rejected. Now I’ll maintain only minimum balance. No point maintaining High balance for that peanut interest.

Same here 1.5 year 30k average balance no pre approved cc and my friend who usually have 10k at most in his HDFC account got pre approved cc I think branch have something to do with it

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xera0117 wrote:

Naa you right sob sweat_smile…I’ll wait for pre approved offer only, will not give much bhaav to this bank sleepy

I am also planning to apply hdfc cc. What that lady asked u to put in office phone number as i also dont hv.

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DealFinderrr wrote:

Same here 1.5 year 30k average balance no pre approved cc and my friend who usually have 10k at most in his HDFC account got pre approved cc I think branch have something to do with it

I got email from hdfc to apply cc. Which is good in terms of cb or rewards.?

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AJ89 wrote:

I got email from hdfc to apply cc. Which is good in terms of cb or rewards.?

A lot is dependent on your income based on which bank offers you the variant. Check with executive for preference in below order:
Infinia, Diners Black, Diners privilege, Regalia, Regalia First, Diners Clubmiles …

Different cards have different fees and required milestone for fees waiver, so also evaluate your spends before finalizing card

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Vladimir-Putin wrote:

HDFC offered me pre approved Bike loan 1 lac, Debit EMI limit 0.58lacs

https://i.ibb.co/tbWrQCz/Screenshot-20201002-10...

Don’t know HDFC credit card policy. They have given me Debit Card EMI limit of 58k. Which is also a loan but haven’t given me any credit card offer. Quite strange policy?😂

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Vladimir-Putin wrote:

Don’t know HDFC credit card policy. They have offered me Debit Card EMI limit of 58k. Which is also a loan but haven’t giving me credit card offer. Quite strange policy?😂

Exactly my net banking offers section shows the same three. I am looking for pre approved cc but they are giving everything else. Its been a such a flaw with their algorithm. If they offered pre approved cc it’s a win win suitation for both the customer and bank.

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Will Buy OnePlus Nord on HDFC Debit Card EMI in this Amazon GIS if they offer no cost EMI for my friend. Hoping that after this HDFC will offer me PA Credit card offer.

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AJ89 wrote:

I am also planning to apply hdfc cc. What that lady asked u to put in office phone number as i also dont hv.

The lady asked me to put 91 on place of std code so that the number looks like 91 andyourmobilwnumber

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So i got this message just now at this late hour.

Dear Applicant,

Thank you for your interest in the HDFC Bank International Credit Card.
We are unable to process the application further, in the absence of the requisite income documents.

We request you to submit the appropriate documents as mentioned below at your earliest convenience to the appended address.

HDFC Bank Cards Division, P.O.Box 8654, Thiruvanmiyur P.O., Chennai 600 041.

Alternatively, you could drop the completed form in the drop box at your nearest branch addressed to The Manager HDFC Bank Card Division.

For Salaried – Public Limited/Multinational/Private Limited/Proprietor Firm/ Partnership Firm

Form 16

Duly Certified Salary Slip with Visiting card/Employee ID

For Salaried – Government / Public Sector
Latest Payslip with Visiting card/Employee ID OR
For Card holders of Standard chartered, Citibank, HSBC, ICICI, ABN, American Express, Deutsche Bank, Kotak Mahindra Bank or Axis Bank ONLY
Photocopy of the Front of the credit card, with latest two months original statements.

Please respond within 45 days from the date of this communication and we would be grateful if this receives your immediate attention to take up your application for further processing.

Thanking you once again for the interest shown..

Do i only have to send CC copies? @Sushrut.B

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xera0117 wrote:

So i got this message just now at this late hour.

Dear Applicant,

Thank you for your interest in the HDFC Bank International Credit Card.
We are unable to process the application further, in the absence of the requisite income documents.

We request you to submit the appropriate documents as mentioned below at your earliest convenience to the appended address.

HDFC Bank Cards Division, P.O.Box 8654, Thiruvanmiyur P.O., Chennai 600 041.

Alternatively, you could drop the completed form in the drop box at your nearest branch addressed to The Manager HDFC Bank Card Division.

For Salaried – Public Limited/Multinational/Private Limited/Proprietor Firm/ Partnership Firm

Form 16

Duly Certified Salary Slip with Visiting card/Employee ID

For Salaried – Government / Public Sector
Latest Payslip with Visiting card/Employee ID OR
For Card holders of Standard chartered, Citibank, HSBC, ICICI, ABN, American Express, Deutsche Bank, Kotak Mahindra Bank or Axis Bank ONLY
Photocopy of the Front of the credit card, with latest two months original statements.

Please respond within 45 days from the date of this communication and we would be grateful if this receives your immediate attention to take up your application for further processing.

Thanking you once again for the interest shown..

Do i only have to send CC copies? @Sushrut.B

If you have a CC from any of those mentioned banks, send the front side of the CC photo/scan blurring Expiry completely alongwith the last two months statements of the card.. You will need to show them the full 16 digit card number and the name printed on the card… Do not forget to hide/block out the entire expiry month and the year and don’t send the back side photo of the card…

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Vladimir-Putin wrote:

HDFC offered me pre approved Bike loan 1 lac, Debit EMI limit 0.58lacs

https://i.ibb.co/tbWrQCz/Screenshot-20201002-10...

Why dont you apply for CC through that apply now button and upload kyc docs and leave income docs blank.

Also you can try leaving online application form midway and you will start getting emails and calls.

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Sushrut.B wrote:

If you have a CC from any of those mentioned banks, send the front side of the CC photo/scan blurring Expiry completely alongwith the last two months statements of the card.. You will need to show them the full 16 digit card number and the name printed on the card… Do not forget to hide/block out the entire expiry month and the year and don’t send the back side photo of the card…

Thanks, will amzpay card work?

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xera0117 wrote:

Thanks, will amzpay card work?

No…Co-branded cards won’t work…You will have to send them a direct bank product…I don’t think any bank will accept co-branded cards for card on card basis…Other dimers can also confirm this if they have ever got a new card based on a co-branded card or not but I don’t think anyone tried that or got their cards that way…

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Sushrut.B wrote:

No…Co-branded cards won’t work…You will have to send them a direct bank product…I don’t think any bank will accept co-branded cards for card on card basis…Other dimers can also confirm this if they have ever got a new card based on a co-branded card or not but I don’t think anyone tried that or got their cards that way…

Damn tired_faceLet me have a word with their customer care. If it works well and good otherwise will wait for pre approved offer only

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Vladimir-Putin wrote:

Don’t know HDFC credit card policy. They have given me Debit Card EMI limit of 58k. Which is also a loan but haven’t given me any credit card offer. Quite strange policy?😂

CC is a zero profit product if you as a customer pay your dues on time, where bank will likely earn processing fees, interest on a loan product. That could be a difference.

@DealFinderrr

25-30k balance is quite less for HDFC to consider offering pre-approved CC. I had classic account with much more balance and yet there were no pre-approved offers. Best option is to apply through branch with required income proof or maintain a higher balance.

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I had applied for HDFC millenia card a month ago. Everything went smooth until the last stage where they wanna verify the office which is now not operating because of the current scene. We’re all working from home. I told them that i could provide my income proofs, other credit card statement etc but the manager says higher authority not accepting without office verification. So have to wait i guess

The site will always show DECLINE, In process etc only even if the application is on hold/processing. Your application either completely rejected or still under process.

Missing