HDFC Pre-Approved Card Declined second time?
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I am a Classic customer having Saving accounts since 1.5 years and have 5L+5L FDs in two accounts
Got notifications, email and SMS for pre-approved MoneyBack+ Card with a limit of 75000
Applied on 09 July and SMS received with Application Complete remark
on 12 July got SMS that your application has been processed
and also following email:
Dear XXXXX XXXXX
Subject : Your Credit Card application reference no. 24G09XXXXXXXXXN1
Thank you for showing interest and applying for an HDFC Bank MONEYBACK PLUS CARD Credit Card.
We are delighted to have received your application; however, we regret to inform you that we are currently unable to proceed with your application no. 24G09XXXXXXXXXN1
The reason is that we encountered a challenge while verifying and validating your identity through our Contact Point Verification process. It is a critical step in our application review process, ensuring safe and secure banking services.
We regret to inform you that we are unable to approve your application as it does not meet the above-mentioned internal criteria of the Bank.
We extend our gratitude for choosing us and look forward to offering you our best services in the future.
Wish to see you again,
HDFC Bank
My wife got similar offer and her card got approved in a day and delivered in 3 days.
What's wrong with HDFC this is the second time they are rejecting the card last year in May 2023 they rejected pre-approved Business Moneyback card (100000 Limit)
This is completely insulting and disgusting
What should I do in this case
Complaint to get the card or move the money to other banks and close the Accounts
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did u ask rm to process it ?
Bank holiday (Second Saturday)
All the shit deliberately happened on this kind of Friday evening after banking hours with 2 days bank off , Once they freezed the account and unfreezed on Monday after complaints
Forwarded this email to Branch Manager, his senior, operation manager, RM
Bruhh, i opened my account with HDFC on Feb maintained around 50k balance Only. Yesterday I got pre approved CC with 104k limit without any income proof of documents
I opened my cousin's account in HDFC, he never did any transaction and maintained same 10k for 2 months. He never had any cibil history and got moneyback+ within 2 months with 56000 limit as pre-approved. He applied and got too.
Same case with me, although I'm not their customer. Applied Money-back in March, got declined with the same contact point reason, even with office verification. Now applied, tata neu and got approved in just two days only, this time with Home verification.
If i were at your place and maintaining that much amount then ab tak toh amount shift karne ki dhamki de chuka hota RM ko and branch manager ko. Try karo, work karega. And don't just settle with that shit money-back card. Atleast demand Millennia card otherwise you will have to Live with this Money-back card for life.
Better apply through agent. I received my card from this way only
Contact your branch first, if they don't help then try escalating with grievance redressal cell of hdfc asking for the reason of rejection for the pre-approved offer and if there is any requirement of documents because most of the time their system creates problems in auto fetching of kyc data so you need to send copies of required documents to their Chennai office. Then complain to nodal officer. Follow the escalation matrix before complaining direct to RBI ombudsman.
Both MoneyBack+ & Business Moneyback are useless POS. As you are a Classic customer, you deserve Regalia. Keep rejecting these offers, eventually they will offer you Regalia.
hmm just classic gets you regalia???
my bad hmmm i should have waited grrrrrr xD got trapped in money back xD:)
UPDATE:
on 22.07.2024 got an email from grievance.redressalcc @ hdfcbank.com
in the email they are asking for office address declaration and sent a pdf file as follows:
Declaration
Your application Reference Number :___________________________(please quote your application reference
number) I,.................................................................... do hereby declare that the details given below are correct to
the best of my knowledge.
Business Details : Company Name....................................................
Department.............................Designation................................
Office Address..............................................................
................................................................................
City ..............................Landmark......................................
Mobile number.................Office phone.................Extension........
Residential Detail:
Address............................................................................
.................................................................................
City & Pincode........................Landmark.................................
Mobile number.................... Residence Phone .........................
Permanent Details(optional) :
Address.....................................................................
.................................................................................
City.................Pin Code.........Landmark....................................
Mobile Number..................Telephone Number............................
VERIFICATION
I ........................... .......................................do hereby declare that which is stated above is true to the best of my
knowledge and belief. Verified today the ............................... day of .....................
Place:____________________
(Signature of declarant)
Please suggest
Should I fill and sent this declaration
If send what will they are going to do Physical Office Verification or will issue the card?
I also got same reply from hdfc asking to fill the above form and send to their offfice. Not sure the reason
if this shit happened to me ,me to hdfc rm and bank