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Urgent Advice -HDFC Millenia- C4C basis (Card to Card)- Worthy of Applying?

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itsmehd5

Hey Dimers,

I got whatsapp message from HDFC Sales Rep (Tie up with HDFC), saying that I can apply for HDFC Millenia which would be on Card for Card Basis & will be unconditional LTF.

Also she got the link generated & sent on mobile for applying CC HDFC.

Can anyone tell that the Credit card would be unconditional LTF  by this way? (i.e. No joining, LTF & no min conditional spends)?


@guest_999 @bohemian @MrKool_JJ @avgn @stella.dmonte654 @Sins1995  

@Lobogris @sujith8786 @PowerStar @Scorpion @xxxyyyzzz @Tanmayyy @RowdyAK47 @avijeet

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Generous Generous
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itsmehd5 wrote:

Yeah same query I had on my mind  @bohemian @guest_999 @yolodime @Scorpion

As you have salary account, most likely you will get pre approved in 3-4 month. If you apply via bank employee or RM , most likely it may not be LTF. But you can confirm from branch if LTF is possible

Deal Lieutenant Deal Lieutenant
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guest_999 wrote:

Only indusind card agent will ever reply from an official email id(of bank), none other will even if they are genuine 3rd party card agent.

Yes

Inferno Inferno
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itsmehd5 wrote:

Yeah same query I had on my mind  @bohemian @guest_999 @yolodime @Scorpion

Since u have account wit HDFC, try via RM as suggested.

For those dimers, who dont have account with HDFC, better to apply via offline agent instead of official website (already experienced).

In both the scenarios, High chance of card approval. But applied via RM we can get written confirmation regarding LTF, whereas thru offline agent we have to confirm it with HDFC after card approval regarding LTF.

If the non account holders are in much need of this card (after considering the cards they are holding now), then they will have to take the risk and Later if HDFC confirms non LTF, then can make it LTF by spend based LTF.

Deal Cadet Deal Cadet
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guest_999 wrote:

Only indusind card agent will ever reply from an official email id(of bank), none other will even if they are genuine 3rd party card agent.

So @guest_999 what should I do?

I guess C2C option is not possible if I apply via HDFC website. Can you suggest something here?

Entertainer Entertainer
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HDFC inside themselves don’t have a good coordination.

1) My RM told I will not loose GV benefit(1500 on applying) if I applied through RM. I did the same instead of applying through netbanking. 
Couple of days later my RM got changed.
Now they are saying I am ineligible as I took help of bank representative.

2) Raised a complaint regd above cheating, all they are doing is arranging a callback from new RM…. he says he can’t do anything in this.  This happened twice expressionless

3) RM says I have to spend 50k to make it LTF, customer care says it’s 30k expressionless

4) Got fed-up and wanted to close the card. RM says I have to submit a form to Chennai credit card office.
CC says I can do it online too joy

Generous Generous
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jileg wrote:

HDFC inside themselves don’t have a good coordination.

1) My RM told I will not any GV benefit if I applied through RM, so instead applying netbanking myself, I applied card through my RM. Immediately in a couple of days my RM got changed.
Now they are saying amI am ineligible as I took help of bank representative.

2) Raised a complaint regd above cheating, all they are doing is arranging a callback from new RM expressionless This happened twice.

3) RM says I have to spend 50k to make it LTF, customer care says it’s 30k expressionless

4) Got fed-up and wanted to close the card. RM says I have to submit a form to Chennai credit card office.
CC says I can do it online too joy

You mean coordination in manipulation? joy

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jileg wrote:

HDFC inside themselves don’t have a good coordination.

1) My RM told I will not any GV benefit if I applied through RM, so instead applying netbanking myself, I applied card through my RM. Immediately in a couple of days my RM got changed.
Now they are saying amI am ineligible as I took help of bank representative.

2) Raised a complaint regd above cheating, all they are doing is arranging a callback from new RM expressionless This happened twice.

3) RM says I have to spend 50k to make it LTF, customer care says it’s 30k expressionless

4) Got fed-up and wanted to close the card. RM says I have to submit a form to Chennai credit card office.
CC says I can do it online too joy

Hdfc be like:


https://cdn0.desidime.com/attachments/photos/768077/medium/Hamare-Yaha-Aisa-Hi-Hota-Hai-meme-template-of-Ashish-Chanchlani-728x409_2.jpg?1652793816

Entertainer Entertainer
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prem4998 wrote:

You mean coordination in manipulation? joy

They be like
“We will divide our staff into groups, hand them information and make sure each group gets a different information joy

Critic Critic
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itsmehd5 wrote:

Yeah same query I had on my mind  @bohemian @guest_999 @yolodime @Scorpion

RM usually just forward the application/request to local branch credit card dept person. RM personally get involved only for high net worth customers asking for infinia/dcb. Also, 3rd party agents sometime have more success rate because of a bit relaxed process for approval compared to bank’s completely internal approval process.

Deal Cadet Deal Cadet
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guest_999 wrote:

RM usually just forward the application/request to local branch credit card dept person. RM personally get involved only for high net worth customers asking for infinia/dcb. Also, 3rd party agents sometime have more success rate because of a bit relaxed process for approval compared to bank’s completely internal approval process.

Its a very diplomatic answer bhai @guest_999 😄

Should I proceed or wait for pre approval offer..which I don’t know how to get?

Already doing a lot of transactions (Credit/Debit/UPI/Billpay) but nothing received as pre approval sad

Deal Lieutenant Deal Lieutenant
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jileg wrote:

HDFC inside themselves don’t have a good coordination.

1) My RM told I will not loose GV benefit(1500 on applying) if I applied through RM. I did the same instead of applying through netbanking. 
Couple of days later my RM got changed.
Now they are saying I am ineligible as I took help of bank representative.

2) Raised a complaint regd above cheating, all they are doing is arranging a callback from new RM…. he says he can’t do anything in this.  This happened twice expressionless

3) RM says I have to spend 50k to make it LTF, customer care says it’s 30k expressionless

4) Got fed-up and wanted to close the card. RM says I have to submit a form to Chennai credit card office.
CC says I can do it online too joy

Seems Interesting 😄

Critic Critic
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itsmehd5 wrote:

Its a very diplomatic answer bhai @guest_999 😄

Should I proceed or wait for pre approval offer..which I don’t know how to get?

Already doing a lot of transactions (Credit/Debit/UPI/Billpay) but nothing received as pre approval sad

Pre-approved offer is system dependent only & in my experience takes at least around a year(from acc opening & using the debit card quite often for paying cc bills).

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guest_999 wrote:

Pre-approved offer is system dependent only & in my experience takes at least around a year(from acc opening & using the debit card quite often for paying cc bills).

@guest_999; Can RM help here for the pre-approved offer?

Also wanted to upgrade Standard banking to Classic one? Any tips to get that & also if its worthy as well…HDFC Salary A/c holder since April 2022

@bohemian @Scorpion

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itsmehd5 wrote:

@guest_999; Can RM help here for the pre-approved offer?

Also wanted to upgrade Standard banking to Classic one? Any tips to get that & also if its worthy as well…HDFC Salary A/c holder since April 2022

@bohemian @Scorpion

Pre approved is algo based or their internal assessment only after quarter /3months. No RM cannot help in pre approved. You will start receiving alerts/mails when eligible for pre approved. Salary account is as good as classic . still want then maintain 1L+ for 3-4 months for auto upgrade

Critic Critic
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itsmehd5 wrote:

@guest_999; Can RM help here for the pre-approved offer?

Also wanted to upgrade Standard banking to Classic one? Any tips to get that & also if its worthy as well…HDFC Salary A/c holder since April 2022

@bohemian @Scorpion

Pre-approved offer is completely system dependent with no human input. If you want a hdfc card now then only option is via 3rd party agent(for a bit better success rate) or via RM/hdfc own card person. My suggestion is, if you can wait till Sep then try around that time because Oct being the biggest sale month all major banks promote their credit cards around that time.

Deal Cadet Deal Cadet
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guest_999 wrote:

Pre-approved offer is completely system dependent with no human input. If you want a hdfc card now then only option is via 3rd party agent(for a bit better success rate) or via RM/hdfc own card person. My suggestion is, if you can wait till Sep then try around that time because Oct being the biggest sale month all major banks promote their credit cards around that time.

Thanks @guest_999 .. smile

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bohemian wrote:

Pre approved is algo based or their internal assessment only after quarter /3months. No RM cannot help in pre approved. You will start receiving alerts/mails when eligible for pre approved. Salary account is as good as classic . still want then maintain 1L+ for 3-4 months for auto upgrade

Thanks @bohemian

Generous Generous
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Got LTF same way last month via C2C
True Ltf no conditions
Confirmed on email and call both by HDFC
No 1500 Rs voucher in this case

If you want 1500 voucher and LTF both then wait for HDFC ore approved offer

Generous Generous
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Tanmayyy wrote:

No harm in trying , if he’s gonna take a risk by applying through agent , he might as well do it through hdfc’s official website and get 1500 gv

Well for that he needs to spend 50k, here no spend needed

Or else wait 4 months to get pre approved LTF offer without spends

Finance Ninja Finance Ninja
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avgn wrote:

Well for that he needs to spend 50k, here no spend needed

Or else wait 4 months to get pre approved LTF offer without spends

No guarantee of lifetime free through agent either

Generous Generous
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Tanmayyy wrote:

No guarantee of lifetime free through agent either

It is almost guaranteed unless they mess up application in some way
And when HDFC employee calls for verification you can confirm again that time also

Finance Ninja Finance Ninja
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avgn wrote:

It is almost guaranteed unless they mess up application in some way
And when HDFC employee calls for verification you can confirm again that time also

Let’s let the op decide what they wanna do

Deal Subedar Deal Subedar
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I too was not getting pre approved offers for HDFC account.
So I directly applied from their site.

To my surprise it got approved will the good limit. And recently got LE as well.


And yes it was LTF unconditional

Crusader Crusader
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Firstly apologies for the delayed response..

The process as many Dimers quoted is a bit risky as everything is based on non formal interaction..

If this card is of utmost emergency then u may proceed with the same..
Be prepared to spend 50k in 90 days to get it Ltf if something is messed up..

Else u can wait for pre approved offers which are given every quarter..

Finance Mentor Finance Mentor
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M.MAHI wrote:

I too was not getting pre approved offers for HDFC account.
So I directly applied from their site.

To my surprise it got approved will the good limit. And recently got LE as well.


And yes it was LTF unconditional

When did you processed the application.
Was it mentioned somewhere during the application processing that your card will be LTF unconditional.

Beacon Beacon
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How to check if HDFC cc is LTF?

Deal Cadet Deal Cadet
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M.MAHI wrote:

I too was not getting pre approved offers for HDFC account.
So I directly applied from their site.

To my surprise it got approved will the good limit. And recently got LE as well.


And yes it was LTF unconditional

It says for min.spend criteria @M.MAHI on website..
When did you apply for this on website?

Deal Cadet Deal Cadet
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avgn wrote:

Got LTF same way last month via C2C
True Ltf no conditions
Confirmed on email and call both by HDFC
No 1500 Rs voucher in this case

If you want 1500 voucher and LTF both then wait for HDFC ore approved offer

@avgn;

Did the agent confirm you on email that it would be unconditional LTF? What did you do for that? Please shed some light

Generous Generous
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itsmehd5 wrote:

@avgn;

Did the agent confirm you on email that it would be unconditional LTF? What did you do for that? Please shed some light

Not on email. Confirmed over call and agent who came home for form filling also confirmed

Deal Subedar Deal Subedar
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Please double-check the “Unconditional LTF

Give it a shot … u r at no loss .. 

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