How to get HDFC credit card

How to get HDFC credit card

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Deal Cadet
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Dear all, I have been rejected for an HDFC credit card in the month of June 2019. According to customer care, due to bank internal policy i got rejected. Now I wonder why I got rejected as I hold credit card of several banks i.e SBI, Axis, HSBC, ICICI, Standard Chartered, Kotak. I have decent CIBIL score 830 around.

Now can anyone guide me how to get HDFC credit card without any rejection.

14 Comments  |  
7 Dimers
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Deal Cadet
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you have to many cc
you may have missed payments
you may have large number of EMI on cc
you may have made minimum payments on many time
you may have loan a/c outstanding
your loan/cc balance could have reached a high percentage of your disposable income

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Deal Subedar
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Did you default any payment anytime? Or Anytime you rejected any loans? Also check your crif and Experian score

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Deal Cadet
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Easiest option now would be to open a new Savings A/C with them and let them offer it for free through Netbanking.

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Deal Cadet
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1st point might be the reason for rejection, but other than that I have always made sure that i make payments by due date. never opted for emi mode, never took any loan. I told you that i have decent cibil score around 830

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Community Angel
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MTRIP wrote:

Easiest option now would be to open a new Savings A/C with them and let them offer it for free through Netbanking.

Approx time?

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Deal Cadet
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_One_Miller_ wrote:

Approx time?

Approximate time for salary account – Less than 3 months
For non-salary account with 30K balance and active use – Around 4-6 months

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Deal Subedar
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MTRIP wrote:

Approximate time for salary account – Less than 3 months
For non-salary account with 30K balance and active use – Around 4-6 months

How to know it is free, all I can see is preapproved credit card in offers tab. But LTF or any other Tnc not mentioned.

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Deal Cadet
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Alexios wrote:

How to know it is free, all I can see is preapproved credit card in offers tab. But LTF or any other Tnc not mentioned.

You should be able to see it when going through the application process. Else, call up customer care and ask them. They will tell you.

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Deal Subedar
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MTRIP wrote:

You should be able to see it when going through the application process. Else, call up customer care and ask them. They will tell you.

Okay thanks

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Deal Cadet
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MTRIP wrote:

Easiest option now would be to open a new Savings A/C with them and let them offer it for free through Netbanking.

I will follow this option. Thanks

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Deal Cadet
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I re-applied for an HDFC credit card, fortunately this time my application got approved. I got a message that my application for HDFC credit card has been approved in principle subject to internal checks.

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Deal Newbie
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Professor1 wrote:

I re-applied for an HDFC credit card, fortunately this time my application got approved. I got a message that my application for HDFC credit card has been approved in principle subject to internal checks.

which credit card you applied ?

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Deal Cadet
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hdfc cashback credit card annual fee rs 500

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Deal Newbie
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contact customer care and explain the matter politely

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