https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9290981
It definitely will not be soft inquiry if proceeding with application.
It is pre-approved and instant card will be generated
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HDFC Credit Card (pre-approved and instant virtual card) Advice
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After completing 3 months of opening Saving A/C and high value FD's today got many emails from HDFC also internet banking also showing many offers like this:
It is showing limit upto 100000 (different limit for all family members)
It is pre-approved and instant card will be generated?
Will it Hit CIBIL (Hard/Soft inquiry)?
Will it as Income Documents?
After click on Get you car now its taking to a new page and asking for Mobile number and PAN details?
Please advise
Our CIBIL Scores are
1) 801 (upto 100000 limit email)
2) 765 (upto 75000 limit email)
Expiring In
15 days
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https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9291059
following
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9291137
Yes, u will have the card for sure and it will be the instant card which will be sent to ur email id.
No income document is required if u have bank ac with hdfc, no kyc, no home visiting or vkyc. All it can be done via a simply put all the details they ask u like ur registered mobile no and pan details, later u will be asked for the job details and address details for the card delivery so just fill it. Nothing to worry about.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9291139
Hard enquiry will be there whether it is pre approved or not
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9291369
Hard enquiry for sure. They are sending me mail everyday regarding pre approved second credit card. Upon clicking the link it asked for mobile number confirmation through OTP. Once u enter OTP they will do hard enquiry. The idiots did hard enquiry twice for me. I thought since I have not entered PAN number they will just show cards. I checked twice 4-5 days apart and I found two enquiries in CIBIL just for checking the available cards.
Remember- Every time u enter OTP there will be a hard enquiry. Dumb people.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9291771
1. pre-approved and instant card will be generated?
Depends on your Cibil score
2. Will it Hit CIBIL (Hard/Soft inquiry)?
100%
3. Will it as Income Documents?
If the Cibil is less, they will ask for Income documents
It’s not easy to predict HDFC, they can even send third party guy for verification even after eKYC.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9292233
ssgrocker wrote:Hard enquiry for sure. They are sending me mail everyday regarding pre approved second credit card. Upon clicking the link it asked for mobile number confirmation through OTP. Once u enter OTP they will do hard enquiry. The idiots did hard enquiry twice for me. I thought since I have not entered PAN number they will just show cards. I checked twice 4-5 days apart and I found two enquiries in CIBIL just for checking the available cards.
Remember- Every time u enter OTP there will be a hard enquiry. Dumb people.
Oh shit .. i have done this multiple times thinking it doesn't pull any enquiry
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9292319
Faug wrote:1. pre-approved and instant card will be generated?
Depends on your Cibil score
2. Will it Hit CIBIL (Hard/Soft inquiry)?
100%
3. Will it as Income Documents?
If the Cibil is less, they will ask for Income documents
It’s not easy to predict HDFC, they can even send third party guy for verification even after eKYC.
Our CIBIL Scores are
1) 801 (upto 100000 limit email)
2) 765 (upto 75000 limit email)
?
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9292418
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TrueAdvisor wrote:Our CIBIL Scores are
1) 801 (upto 100000 limit email)
2) 765 (upto 75000 limit email)
?
My Cibil score 803: was offered upto 190000. Like I said not easy to predict.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9292440
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akashnikam9501 wrote:Oh shit .. i have done this multiple times thinking it doesn't pull any enquiry
They don't do any hard enquiry. I did many times no enquiries in my cibil report
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9292556
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9293540
UPDATE:
I contacted the Branch
They confirmed that its
1) pre-approved and I will get the card in 5-7 days
2) without CIBIL hit
3) Amazon Gift Card will be issued as mentioned in the email
4) no documents or verification will be done
He also guided me to apply through https://apply.hdfcbank.com/vivid/CreditCard_New... with his employee code
Card was showing Business MoneyBack Card (fee was showing 500 Joining and annual but employee told me as I got email for lifetime free it will be free without any condition)
He confirmed that I will get Amazon voucher even if I entered his code
As per the experience (mostly not good) with the marketing teams of various Banks, (false promises, misguidance, incorrect information)
Don't know what will happen.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9294461
According to your offer screenshot, you'll get the card instantly generated without income docs. But yes, a Cibil enquiry will be done. If no Cibil, then you'll get the card but if negative Cibil (eg. below 700), it will be not be approved.
If you've a good Cibil (eg. 750+) then I would recommend to go for a fresh application and dont accept this 100K offer. With fresh application, you'll get much better limit.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9294542
JAYM wrote:According to your offer screenshot, you'll get the card instantly generated without income docs. But yes, a Cibil enquiry will be done. If no Cibil, then you'll get the card but if negative Cibil (eg. below 700), it will be not be approved.
If you've a good Cibil (eg. 750+) then I would recommend to go for a fresh application and dont accept this 100K offer. With fresh application, you'll get much better limit.
https://www.desidime.com/discussions/hdfc-credi...
?
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9294623
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And if your Cibil is not "Negative" then nothing to worry. Even if you are new to lending and "No Cibil" at all then also you'll get the card.
TrueAdvisor wrote:HDFC did Cibil enquiries for preapproved too, I have experienced in couple of applications.https://www.desidime.com/discussions/hdfc-credi...
?
And if your Cibil is not "Negative" then nothing to worry. Even if you are new to lending and "No Cibil" at all then also you'll get the card.
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9296126
UPDATE 1:
Non-reliable and non-trustworthy employees provided false, incorrect and misleading information. Forced me to apply through different link with his code (suitable for his own benefits) resulted in:
1) for pre-approved card HDFC third party verification person made sudden and surprised visit and asked me to click photo of Address and Office (when I told him it is a pre-approved card, he made a heated argument with me, talked arrogantly and left without verification)
2) CIBIL hit email came
I was being offered Millenia Lifetime Free through normal process but he convinced me to apply through this process saying its a pre-approved card without any Hussle but finally giving more problems for a useless and low grade Business MoneyBack card. I thought it will be easily got delivered without CIBIL hit and Verification as the HDFC employee mentioned.
Anyone can provide nodal officer and PNO or senior officials email id?
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9300661
UPDATE3:
Card DECLINED email and SMS
HDFC offered a pre-approved Card tp existing customer with good amount, without documents, Hit CIBIL (801) and then Decline
Offered by HDFC, Applied by HDFC (branch executive), Declined by HDFC
Non-reliable and Unbelievable
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9326332
TrueAdvisor wrote:UPDATE:
I contacted the Branch
They confirmed that its
1) pre-approved and I will get the card in 5-7 days
2) without CIBIL hit
3) Amazon Gift Card will be issued as mentioned in the email
4) no documents or verification will be done
He also guided me to apply through https://apply.hdfcbank.com/vivid/CreditCard_New... with his employee code
Card was showing Business MoneyBack Card (fee was showing 500 Joining and annual but employee told me as I got email for lifetime free it will be free without any condition)
He confirmed that I will get Amazon voucher even if I entered his code
As per the experience (mostly not good) with the marketing teams of various Banks, (false promises, misguidance, incorrect information)
Don't know what will happen.
If you use employee code you won't get an Amazon voucher
In terms and conditions it clearly mentioned you won't get an Amazon voucher for employee assistance
https://www.desidime.com/discussions/hdfc-credit-card-pre-approved-and-instant-virtual-card?page=1#post_9327831
TrueAdvisor wrote:Its been 12 daysUPDATE3:
Card DECLINED email and SMS
HDFC offered a pre-approved Card tp existing customer with good amount, without documents, Hit CIBIL (801) and then Decline
Offered by HDFC, Applied by HDFC (branch executive), Declined by HDFC
Non-reliable and Unbelievable
Still getting emails and whatsapp message for pre-approved lifetime free credit card?
What's going on in HDFC?
Why they are offer for pre-approved card after decline?
Should I apply though this link in email?
What will happen?
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