What is cool off time for hdfc credit card application?

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demerius2020

My hdfc application for credit card declined , what is time after which i can apply again and what is the best way online or thru paisabajaar

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Deal Subedar Deal Subedar
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@demerius2020 , don’t bother applying on Paisabazaar & Bankbazaar scam sites…Apply online or through branch after 6 months of the card application getting declined…

Deal Hunter Deal Hunter
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Sushrut.B wrote:

@demerius2020 , don’t bother applying on Paisabazaar & Bankbazaar scam sites…Apply online or through branch after 6 months of the card application getting declined…

In case of amex I heard it’s 3 months …do you have any idea

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It’s 3 months as far as I know. And apply through bank branch for better results.

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a.kabeer31837 wrote:

It’s 3 months as far as I know. And apply through bank branch for better results.

1) gone to branch ; branch guy said same rona pitna ki sir humare yaha account khulwayiyr→ paise daaliye→ aqb or fd banwayiye and then they will donate me a credit card…

2) i was looking for free cc and hdfc had some ltf offer running tull 31 dec was thinking will i miss it then

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demerius2020 wrote:

1) gone to branch ; branch guy said same rona pitna ki sir humare yaha account khulwayiyr→ paise daaliye→ aqb or fd banwayiye and then they will donate me a credit card…

2) i was looking for free cc and hdfc had some ltf offer running tull 31 dec was thinking will i miss it then

Ya they do same r**** rona for issuing credit cards.
Currently yes first exclusive and preferred are also being given as LTF try for those.

Deal Subedar Deal Subedar
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anshu wrote:

In case of amex I heard it’s 3 months …do you have any idea

It’s just 30 days as per the Official Amex site…Check the below…

“If my application for a Card was declined, can I appeal the decision or re-apply?
____________________

If your Card application was declined, we realize this may not have been the outcome you had hoped for. Please call us at 1-800-567-1083 if you’d like us to review our decision. Keep in mind that we cannot guarantee we will change our decision.

It’s been our experience that applicants who were not approved for a new account at one time may qualify in the future. We welcome you to apply for any of our American Express Cards, but please wait at least 30 days from the date you received the decline letter before submitting a new application."

https://www.americanexpress.com/us/customer-ser...

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a.kabeer31837 wrote:

Ya they do same r**** rona for issuing credit cards.
Currently yes first exclusive and preferred are also being given as LTF try for those.

Yes bank is not providing YFP & YFE to self-employed people now…I am trying to get them since last 3 years & even after having a high-value FD with them, they are declining my card applications…Don’t bother…

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Sushrut.B wrote:

Yes bank is not providing YFP & YFE to self-employed people now…I am trying to get them since last 3 years & even after having a high-value FD with them, they are declining my card applications…Don’t bother…

Have you tried applying on card on card basis if you have any card with more than 5 lakh limit ?

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Sushrut.B wrote:

It’s just 30 days as per the Official Amex site…Check the below…

“If my application for a Card was declined, can I appeal the decision or re-apply?
____________________

If your Card application was declined, we realize this may not have been the outcome you had hoped for. Please call us at 1-800-567-1083 if you’d like us to review our decision. Keep in mind that we cannot guarantee we will change our decision.

It’s been our experience that applicants who were not approved for a new account at one time may qualify in the future. We welcome you to apply for any of our American Express Cards, but please wait at least 30 days from the date you received the decline letter before submitting a new application."

https://www.americanexpress.com/us/customer-ser...

thanks for the info

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Sushrut.B wrote:

Yes bank is not providing YFP & YFE to self-employed people now…I am trying to get them since last 3 years & even after having a high-value FD with them, they are declining my card applications…Don’t bother…

Can you tell what is benefit with yes bank card that you are after?

Deal Subedar Deal Subedar
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a.kabeer31837 wrote:

Have you tried applying on card on card basis if you have any card with more than 5 lakh limit ?

Yes I did that everytime…They declined and asked for ITR

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demerius2020 wrote:

Can you tell what is benefit with yes bank card that you are after?

1) Yes First Exclusive has Unlimited Lounge Access (Domestic via MasterCard Lounge Access program & International via Priority Pass) for both Primary & all the add-on card holders…

2) Both YFE & YFP have 1.75% Foreign currency Markup as I have to do foreign currency transactions a lot…

3) Both cards are LTF

Deal Subedar Deal Subedar
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demerius2020 wrote:

1) gone to branch ; branch guy said same rona pitna ki sir humare yaha account khulwayiyr→ paise daaliye→ aqb or fd banwayiye and then they will donate me a credit card…

2) i was looking for free cc and hdfc had some ltf offer running tull 31 dec was thinking will i miss it then

For Free CC you have options of

1) ICICI Amazon Pay [Which is very difficult to get now-a-days compared to when I got it like 3 years back]

2) ICICI Platinum Chip [If you don’t have ICICI account then you will can create an online Insta Account which comes with CC but you will have to do an FD to get the CC, so won’t be free)…

3) IndusInd Platinum Aura Edge : It’s Free & relatively easy to get…It’s a crap card with almost no offers except a few on Swiggy sometimes but if you just need a free card, you can try this…

4) If you can pay just 250+GST joining & annual charges then you can go for SCB Platinum Rewards which is the easiest to get card in India…I got my card delivered within just 7 days of applying & it’s almost same for everyone who can meet their minimum eligibility…

Critic Critic
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On my suggestion a friend applied for APay card and got declined one month back. Can he apply for another ICICI card through branch now or should he wait for 6 months. He’s self employed with good ITR.

Deal Cadet Deal Cadet
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What’s the minimum threshold for a bank to consider a FD high value ?

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Sushrut.B wrote:

For Free CC you have options of

1) ICICI Amazon Pay [Which is very difficlt to get now-a-days compared to when I got it like 3 years back]

2) ICICI Platinum Chip [If you don’t have ICICI account then you will have to can create an online Insta Account which comes with CC but you will have to do an FD to get the CC, so won’t be free)…

3) IndusInd Platinum Aura Edge : It’s Free & relatively easy to get…It’s a crap card with almost no offers except a few on Swiggy sometimes but if you just need a free card, you can try this…

4) If you can pay just 250+GST joining & annual charges then you can go for SCB Platinum Rewards which is the easiest to get card in India…I got my card delivered within just 7 days of applying & it’s almost same for everyone who can meet their minimum eligibility…

I will never have amazon pay as they need official email id

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cadence wrote:

On my suggestion a friend applied for APay card and got declined one month back. Can he apply for another ICICI card through branch now or should he wait for 6 months. He’s self employed with good ITR.

Yes he can apply from the branch with ITR…But make sure to suggest him not to say to the branch officials about the rejection of the Apay card…He needs to pretend like he’s applying for any ICICI Credit card for the first time & wants to know how he can apply with his ITR

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demerius2020 wrote:

I will never have amazon pay as they need official email id

That time they did not ask me for the official email but now they do…That’s why I mentioned that, it has become difficult for most people now to get the card & that official email id is the main reason for that..

ICICI has done that because of these two main resons…

1) Money circulation/rotation using Apay card which many dimers have made a full time income…So, because of those people, genuine buyers also won’t get the cards now…Search in the forum to see how many people got their Apay cards blocked due to money rotation…

2nd reason is : Lots of people were applying just because it’s the best LTF card in India, getting the cards & then not using them at all & banks won’t have any benefit until we USE the card anywhere…

That’s why they now made it mandatory to have an official email ID…When I applied, I did not have any official E-Mail too but that time they were giving the card to everyone who were eligible for the card so free ka email Gmail/Hotmail/yahoo were sufficient…I never seen anything good happening with anyone in this fu*** year though…

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Sushrut.B wrote:

It’s just 30 days as per the Official Amex site…Check the below…

“If my application for a Card was declined, can I appeal the decision or re-apply?
____________________

If your Card application was declined, we realize this may not have been the outcome you had hoped for. Please call us at 1-800-567-1083 if you’d like us to review our decision. Keep in mind that we cannot guarantee we will change our decision.

It’s been our experience that applicants who were not approved for a new account at one time may qualify in the future. We welcome you to apply for any of our American Express Cards, but please wait at least 30 days from the date you received the decline letter before submitting a new application."

https://www.americanexpress.com/us/customer-ser...

What we should submit for amex?

Deal Subedar Deal Subedar
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nandamuri.balakrishna wrote:

What we should submit for amex?

No idea…I don’t have Amex card…Salary Slip or ITR will do I guess…I am not sure if they provide cards on card to card basis…

Deal Subedar Deal Subedar
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No cool off, Applied – rejected, maintained 1 lac+ balance for 1 month and applied – approved

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F7-Dimer-Primer wrote:

No cool off, Applied – rejected, maintained 1 lac+ balance for 1 month and applied – approved

Which bank ?? This must be HDFC ?? These people don’t follow any rules & they make & change their own T&C all the time…It’s 3 months for branch application & 6 months for online application for all the banks…

Deal Subedar Deal Subedar
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How can I refer someone for a HDFC credit card? Any referral benefits ?

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Sushrut.B wrote:

Which bank ?? This must be HDFC ?? These people don’t follow any rules & they make & change their own T&C all the time…It’s 3 months for branch application & 6 months for online application for all the banks…

Yes HDFC, even similar for SBI. Applied-rejected, applied for ola sbi in a month-approved.

Deal Subedar Deal Subedar
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Manitian wrote:

How can I refer someone for a HDFC credit card? Any referral benefits ?

No referral benefits for any bank’s card except Amex…

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Does hdfc provides credit card limit enhancement on basis of other credit cards?

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Bhai will 75k balance work? How did you apply through branch or online?

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