Hdfc credit card query.

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vkrmjeet

So i got a call from HDFC saying that i am pre approved for HDFC intermiles with 2.75lakh limit , didn’t like the reward structure of that card and it was costly also.
& It is a super premium card according to them. I asked him if he can give me millenia to that he said he can’t gurantee because i am pre approved for that only then i declined

& last week applied for millenia now it is declined today , so my question is they were offering me a super premium card(acc to their website) yet they declined me this.
Any solution?

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You got HDFC savings account? If you don’t have then some third party agency wouldve called you
Also some of these standalone applications don’t even get to the hard enquiry phase, they simply get declined

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getready wrote:

You got HDFC savings account? If you don’t have then some third party agency wouldve called you
Also some of these standalone applications don’t even get to the hard enquiry phase, they simply get declined

Yes i have hdfc account with 70k mab.
I had hard enquiry the same day.

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getready wrote:

You got HDFC savings account? If you don’t have then some third party agency wouldve called you
Also some of these standalone applications don’t even get to the hard enquiry phase, they simply get declined

He must have a savings account otherwise there won’t be a talk for pre-approved sweat_smile

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prem4998 wrote:

He must have a savings account otherwise there won’t be a talk for pre-approved sweat_smile

yes i have.
he told me variant and limit also , he said “you will get it without any kind of enquiry”.

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vkrmjeet wrote:

@prem4998 @getready @kukdookoo please tag dimers who may have knowledge regading it.

They r just selling you a moderate card by saying it’s a premium card. On paper, it comes under premium category but there is nothing on the card. Intermiles is not a premium card(practically). Infinia, Regalia, Millenia and DCB is.

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vkrmjeet wrote:

yes i have.
he told me variant and limit also , he said “you will get it without any kind of enquiry”.

It’s how their system works. Once a card variant is pre-approved, you cannot change the variant unless u can ignore the offer and wait for next offers in coming months.

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@prem4998
also should i take it ?https://cdn0.desidime.com/attachments/photos/760610/medium/Screenshot_2022-04-18-17-31-34-0071312747_EDIT_1.png?1650283353
i am feeling should give a cooloff period to my CIBIL.
9 enquiries in past 6 month and 7 credit accounts added successfully.
feel it is enough for now.

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prem4998 wrote:

He must have a savings account otherwise there won’t be a talk for pre-approved sweat_smile

Never got calls from PB/BB? Sometimes they talk as if they’re from the bank and that there’s a pre-approved offer

Also, some other third party agencies (approved by bank) also play this pre-approved game

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vkrmjeet wrote:

@prem4998
also should i take it ?https://cdn0.desidime.com/attachments/photos/760610/medium/Screenshot_2022-04-18-17-31-34-0071312747_EDIT_1.png?1650283353
i am feeling should give a cooloff period to my CIBIL.
9 enquiries in past 6 month and 7 credit accounts added successfully.
feel it is enough for now.

It’s free and approved already so why not give away an enquiry? But if you absolutely do not have any need even in future then it’s your decision. Keep screenshot of all the communications regarding this. On many instances, they started to say it’s a paid card and dimers had to escalate to higher level to get the issue resolved.

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prem4998 wrote:

They r just selling you a moderate card by saying it’s a premium card. On paper, it comes under premium category but there is nothing on the card. Intermiles is not a premium card(practically). Infinia, Regalia, Millenia and DCB is.

felt the same thing even the spending requirement within 3months was higher for it, it wasn’t worth it at all that’s why declined.

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vkrmjeet wrote:

@prem4998
also should i take it ?https://cdn0.desidime.com/attachments/photos/760610/medium/Screenshot_2022-04-18-17-31-34-0071312747_EDIT_1.png?1650283353
i am feeling should give a cooloff period to my CIBIL.
9 enquiries in past 6 month and 7 credit accounts added successfully.
feel it is enough for now.

There was no CIBIL check when I got the league platinum variant (Pre-approved*) but they took a week to approve the card.
Check the app/net banking portal and only apply if there’s clear confirmation of zero joining+annual fres

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prem4998 wrote:

It’s how their system works. Once a card variant is pre-approved, you cannot change the variant unless u can ignore the offer and wait for next offers in coming months.

Will wait for the Millenia pre approved offer now.

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getready wrote:

Never got calls from PB/BB? Sometimes they talk as if they’re from the bank and that there’s a pre-approved offer

Also, some other third party agencies (approved by bank) also play this pre-approved game

Yeah, I know but those are fake ones. I just assumed it’s from the bank persons itself because he gave op the exact limit for the card. Those PB guys will simply say we give u high limit 2l 3l like that.

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getready wrote:

There was no CIBIL check when I got the league platinum variant (Pre-approved*) but they took a week to approve the card.
Check the app/net banking portal and only apply if there’s clear confirmation of zero joining+annual fres

okay bro will do the same.
If there will be no cibil enquiry then i don’t see any harm in taking.

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prem4998 wrote:

It’s free and approved already so why not give away an enquiry? But if you absolutely do not have any need even in future then it’s your decision. Keep screenshot of all the communications regarding this. On many instances, they started to say it’s a paid card and dimers had to escalate to higher level to get the issue resolved.

Then not applying now already have kotak 811 and their offers are same for both dc and cc.
Will wait for few months now to apply anywhere again.

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prem4998 wrote:

Yeah, I know but those are fake ones. I just assumed it’s from the bank persons itself because he gave op the exact limit for the card. Those PB guys will simply say we give u high limit 2l 3l like that.

i don’t think they were from some agency. He was pretty accurate in all the details.

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vkrmjeet wrote:

i don’t think they were from some agency. He was pretty accurate in all the details.

Yes, agencies won’t give precise information like in your case

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vkrmjeet wrote:

Then not applying now already have kotak 811 and their offers are same for both dc and cc.
Will wait for few months now to apply anywhere again.

Secured vs Unsecured

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vkrmjeet wrote:

Yes i have hdfc account with 70k mab.
I had hard enquiry the same day.

pre-approved means, there wont be hard enquiry right?

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prem4998 wrote:

Yeah, I know but those are fake ones. I just assumed it’s from the bank persons itself because he gave op the exact limit for the card. Those PB guys will simply say we give u high limit 2l 3l like that.

If its the bank, then this pre-approved card should be visible via net banking portal too

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hari.selio361 wrote:

pre-approved means, there wont be hard enquiry right?

i had pre approved offer of hdfc intermiles.
applied for hdfc millenia myself that’s why hard enquiry.

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prem4998 wrote:

Secured vs Unsecured

unsecured .

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vkrmjeet wrote:

@prem4998
also should i take it ?https://cdn0.desidime.com/attachments/photos/760610/medium/Screenshot_2022-04-18-17-31-34-0071312747_EDIT_1.png?1650283353
i am feeling should give a cooloff period to my CIBIL.
9 enquiries in past 6 month and 7 credit accounts added successfully.
feel it is enough for now.

same issue with me..

i am also confused as i have multiple enquiries also not sure if there will be any hard enquiry or not..

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getready wrote:

There was no CIBIL check when I got the league platinum variant (Pre-approved*) but they took a week to approve the card.
Check the app/net banking portal and only apply if there’s clear confirmation of zero joining+annual fres

when did you apply..
are you sure there wasn’t any enquiry on cibil or experian..  

i am also confused wheather to apply or not
i have league platinum card showing as lifetime free  

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BUDHRAJ0 wrote:

when did you apply..
are you sure there wasn’t any enquiry on cibil or experian..  

i am also confused wheather to apply or not
i have league platinum card showing as lifetime free  

Sometime last Nov
Check this thread -> https://ddime.i...zt

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Did you get pre-approved emails with amount in emails from the bank

https://cdn0.desidime.com/attachments/photos/760630/original/pre_app.jpg?1650293690

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