Pre-approved Credit Card Offer

Don't apply if it's not life time free

Did u check on this ? https://applyonline.hdfcbank.com/credit-cards/p...

If yes then high prob. It will be approved

neehesh wrote:

Don't apply if it's not life time free

Ha... They are saying 2250 Amazon Pay gift card on application.... That is tempting me!

pradyot666 wrote:

Did u check on this ? https://applyonline.hdfcbank.com/credit-cards/p...

If yes then high prob. It will be approved

Will this hurt CIBIL?

OffersSociety wrote:

Will this hurt CIBIL?

Obviously, a inquiry and may be hurt cibil

Your profile, Self employed or salary?

G0KU wrote:

Your profile, Self employed or salary?

Unemployed 😂😂😂 (student)

OffersSociety wrote:

Unemployed 😂😂😂 (student)

Really ! What you mentioned on hdfc netbanking profile?

G0KU wrote:

Really ! What you mentioned on hdfc netbanking profile?

I don't remember dear...

OffersSociety wrote:

I don't remember dear...

Login to netbanking and see under profile to see what you mentioned.

OffersSociety wrote:

Will this hurt CIBIL?

No it does not unless u click on apply card

pradyot666 wrote:
No it does not unless u click on apply card

There will be a CIBIL hit the moment you enter PAN or DOB and click on next irrespective of whether you apply for a card or not. I had 2 cibil hits couple of months ago because of the exact same reason

Pravnz wrote:
There will be a CIBIL hit the moment you enter PAN or DOB and click on next irrespective of whether you apply for a card or not. I had 2 cibil hits couple of months ago because of the exact same reason

No that should not happen.  I have checked twice in past few days i did not see any inquiries in the cibil . Check with the bank if they did erroneously. 
Even if they do hit it will be a soft hit and would not bring ur score down drastically. 

Update:
Also if u see the page terms and conditions no where cibil enquiry is mentioned .
Hence at long as u view ur offer no cibil hit

pradyot666 wrote:
No that should not happen.  I have checked twice in past few days i did not see any inquiries in the cibil . Check with the bank if they did erroneously. 
Even if they do hit it will be a soft hit and would not bring ur score down drastically. 

Update:
Also if u see the page terms and conditions no where cibil enquiry is mentioned .
Hence at long as u view ur offer no cibil hit

Cibil hits for CC are not soft hits and yes I checked with their customer care and they said they will do the hits whenever we enquire for a card and that's how they determine our eligibility for the card. It might be a different case if there is a pre-approved offer since they have already determined the card they want to offer you. But, one has to be very careful as HDFC sends sms, whatsapp messages and mails all the time with different wording to apply for a CC, they sound like pre-approved but they are not. You can check for the word "pre-approved" in the link you receive, if the link don't mention it then it is not pre-approved and there will be a cibil mandatorily

Do you have a Cibil subscription or have you checked in third-party apps? Score in Cibil website is up-to-date whereas in third party apps like paytm, onescore it gets updated once a month, so, you can only see the hits after a month or so.

Additional info: Got a Neu card for a family member couple of months agowho never had a card and so no cibil. Couldn't able to fetch the score last month, so, I thought HDFC haven't started reporting the card for Cibil yet and then I started checking for all other eligible cards whenever we received a mail or sms. Finally the score got updated and I now see 13 different cibil hits for the last month, all from HDFC at different dates

OffersSociety wrote:

Will this hurt CIBIL?

If you are not earning any and if you do not have any existing loans then it will not hurt as you may not have CIBIL profile. If they really offer credit card for you then it is good for you. It will create a CIBIL profile which will help you to get new Credit cards or loans in future when you start earning. It is also important to properly maintain the credit card usage and make total payment before due date.

You should also note that, until you get CIBIL profile you may not get personal loans or Credit card.

reg. pre-approval of credit card ...

There is also a chance if your parents have credit card/corporate salary account and maintain the account properly.

One more thing, the reason they are offering a credit card is to make you addicted to Credit card usage as you will be tempted to use it in this age and in short or long term they will collect huge interest when you fail to make payment. So, if you are going for a credit card, always make total payment before due date. And Use it only if it is really needed.

Pravnz wrote:

Cibil hits for CC are not soft hits and yes I checked with their customer care and they said they will do the hits whenever we enquire for a card and that's how they determine our eligibility for the card. It might be a different case if there is a pre-approved offer since they have already determined the card they want to offer you. But, one has to be very careful as HDFC sends sms, whatsapp messages and mails all the time with different wording to apply for a CC, they sound like pre-approved but they are not. You can check for the word "pre-approved" in the link you receive, if the link don't mention it then it is not pre-approved and there will be a cibil mandatorily

Do you have a Cibil subscription or have you checked in third-party apps? Score in Cibil website is up-to-date whereas in third party apps like paytm, onescore it gets updated once a month, so, you can only see the hits after a month or so.

Additional info: Got a Neu card for a family member couple of months agowho never had a card and so no cibil. Couldn't able to fetch the score last month, so, I thought HDFC haven't started reporting the card for Cibil yet and then I started checking for all other eligible cards whenever we received a mail or sms. Finally the score got updated and I now see 13 different cibil hits for the last month, all from HDFC at different dates

Just register yourself at CIBIL Portal. They send notification instantly on hard enquiry without subscription too.

You can use any third party app after getting notification to check  latest score.

MrThanos wrote:
Just register yourself at CIBIL Portal. They send notification instantly on hard enquiry without subscription too.

You can use any third party app after getting notification to check  latest score.

I have already registered but they are random with the alerts, sometimes they send immediately, sometimes after a month and sometimes they don't even send. When i applied for couple of cards last year I haven't received any alerts and after a month received all alerts at the same time, out of the blue in the middle of the night. I was worried what triggered the alerts and when i checked the report I understood that they were for the hits happened month ago

pradyot666 wrote:
No that should not happen.  I have checked twice in past few days i did not see any inquiries in the cibil . Check with the bank if they did erroneously. 
Even if they do hit it will be a soft hit and would not bring ur score down drastically. 

Update:
Also if u see the page terms and conditions no where cibil enquiry is mentioned .
Hence at long as u view ur offer no cibil hit

Instant cibil hit as soon as u enter otp. If u try multiple times just for fun multiple entries. Nothing can be done or if u are ready to fight with HDFC let me know. I have a few hits myself!😂

Pravnz wrote:

Cibil hits for CC are not soft hits and yes I checked with their customer care and they said they will do the hits whenever we enquire for a card and that's how they determine our eligibility for the card. It might be a different case if there is a pre-approved offer since they have already determined the card they want to offer you. But, one has to be very careful as HDFC sends sms, whatsapp messages and mails all the time with different wording to apply for a CC, they sound like pre-approved but they are not. You can check for the word "pre-approved" in the link you receive, if the link don't mention it then it is not pre-approved and there will be a cibil mandatorily

Do you have a Cibil subscription or have you checked in third-party apps? Score in Cibil website is up-to-date whereas in third party apps like paytm, onescore it gets updated once a month, so, you can only see the hits after a month or so.

Additional info: Got a Neu card for a family member couple of months agowho never had a card and so no cibil. Couldn't able to fetch the score last month, so, I thought HDFC haven't started reporting the card for Cibil yet and then I started checking for all other eligible cards whenever we received a mail or sms. Finally the score got updated and I now see 13 different cibil hits for the last month, all from HDFC at different dates

Hmm strange

Pravnz wrote:
I have already registered but they are random with the alerts, sometimes they send immediately, sometimes after a month and sometimes they don't even send. When i applied for couple of cards last year I haven't received any alerts and after a month received all alerts at the same time, out of the blue in the middle of the night. I was worried what triggered the alerts and when i checked the report I understood that they were for the hits happened month ago

May be CIBIL treats you separately

Pravnz wrote:
There will be a CIBIL hit the moment you enter PAN or DOB and click on next irrespective of whether you apply for a card or not. I had 2 cibil hits couple of months ago because of the exact same reason

Took card?

john78 wrote:

If you are not earning any and if you do not have any existing loans then it will not hurt as you may not have CIBIL profile. If they really offer credit card for you then it is good for you. It will create a CIBIL profile which will help you to get new Credit cards or loans in future when you start earning. It is also important to properly maintain the credit card usage and make total payment before due date.

You should also note that, until you get CIBIL profile you may not get personal loans or Credit card.

reg. pre-approval of credit card ...

There is also a chance if your parents have credit card/corporate salary account and maintain the account properly.

One more thing, the reason they are offering a credit card is to make you addicted to Credit card usage as you will be tempted to use it in this age and in short or long term they will collect huge interest when you fail to make payment. So, if you are going for a credit card, always make total payment before due date. And Use it only if it is really needed.

Already have 3 cc and CIBIL 792