Negative balance in statement during credit card application

It may affect your card limit

Applied c2c?

caks2006407 wrote:

It may affect your card limit

How? 

bhopali91355 wrote:

How? 

it will seem irresponsible behavior to the bank as the applications like this are manually processed so there is some human analyzing things on the other side.

postpone for 2 months bro.

Thanks for your input @caks2006407 & @vkrmjeet;🙌🏼 , will postpone by 2 months then 

nikniknik wrote:

Applied c2c?

yeah

Johnny_Depp wrote:

yeah

I think c2c doesn’t require bank statement.

tenon09 wrote:

I think c2c doesn’t require bank statement.

icici asks sometimes

naah. There are other factors involved too such as cibil, current credit card limit etc. 

bikidas2060 wrote:

naah. There are other factors involved too such as cibil, current credit card limit etc. 

current CL is 150k, cibil score 728. I think low score might also impact the application. This is the first score I got after opening cc in March. before that it was NIL. HDFC hasn’t updated the score after that

Johnny_Depp wrote:

current CL is 150k, cibil score 728. I think low score might also impact the application. This is the first score I got after opening cc in March. before that it was NIL. HDFC hasn’t updated the score after that

hey, bhai. Then postpone the plan to get a new CC right now. Allow the credit score to get to atleast beyond 750. You might get low limits. 

For truly C2C applications, nothing more than the existing card is required

bikidas2060 wrote:

hey, bhai. Then postpone the plan to get a new CC right now. Allow the credit score to get to atleast beyond 750. You might get low limits. 

yeah, i saw same advice in multiple DD threads. its just HDFC is not offering much offers in amazon compared to icici and it is tempting 😅

Johnny_Depp wrote:

yeah

Online or offline?

nikniknik wrote:

Online or offline?

online through website

Johnny_Depp wrote:

online through website

How to apply c2c online?

nikniknik wrote:

How to apply c2c online?

at the bottom of the form, they ask if we have a cc already. if you select yes, then new fields will be displayed asking which bank, credit limit and no of years you have been using that card etc

for no of years, I put the year from which I have Hdfc account and not year in which I got the cc since they ask for min 2 year old cc 😂 

Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par

M.MAHI wrote:

Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par

Wrong advice. Don’t do this, bro.

M.MAHI wrote:

Edit and send it.
Banks can’t cross check other bank statements.
Achi editing Krna par

They kind of can via cibil report which clearly shows the age of all loan acc/credit cards.

I already gave the wrong duration. my account is 3 years old while cc is 3 months old. In the form I said cc is 3 years old.

I just wanted to submit the application and take chance of getting accepted / rejected 😅

Johnny_Depp wrote:

I already gave the wrong duration. my account is 3 years old while cc is 3 months old. In the form I said cc is 3 years old.

I just wanted to submit the application and take chance of getting accepted / rejected 😅

You should submit doc if cibil enquiry is done

nikniknik wrote:

You should submit doc if cibil enquiry is done

what doc ?

I cancelled the application when they asked to schedule video kyc call. will there be a cibil enquiry still ?

guest_999 wrote:

They kind of can via cibil report which clearly shows the age of all loan acc/credit cards.

Bro CC dept asked for Bank statement not CC statement if I’ve not read it wrong 🙂
Do how can they cross check and confirm wheather it’s genuine or not ?

UniqueDimer wrote:

Wrong advice. Don’t do this, bro.

And why so ?
Pls let me know

🙂

M.MAHI wrote:

Bro CC dept asked for Bank statement not CC statement if I’ve not read it wrong 🙂
Do how can they cross check and confirm wheather it’s genuine or not ?

Yeah I overlooked the fact that you were talking about other banks statements & not cc statements. However, you actually can’t edit bank statements without clearly showing it is modified. All banks(at least the major ones) txns statements nowadays come with protected pdf digital lock embedded in pdf file & no pdf editor will be able to edit these pdf files directly. Your only option is to take another print of these opened pdf to another typical non protected pdf file & then edit it but then that pdf file will not be having the protected pdf digital lock so easy to tell it is not the genuine one.

checked cibil report just now and there is an entry from icici saying personal loan for 150k. Will this affect my score ? Those guys have sent enquiry as soon as I submitted application 😑