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)
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following
Hard enquiry will be there whether it is pre approved or not
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
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)
?
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
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.
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?
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
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?
It definitely will not be soft inquiry if proceeding with application.