HDFC pre-approved credit card offer...with limit of 0?
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I see this in my HDFC net banking offers page: https://i.imgur.com/DtJeQ...ng
Clearly says pre-approved offer, but with a limit of 0(?)
If I click on Apply Now, it asks me for my profession and income details like the regular CC application page. Shouldn’t that be bypassed if I’m pre-approved?
Context: I’m self-employed but don’t want to submit ITR. Got a couple lakh lying in the savings account right now, though, and have a decent credit score from an Axis FK secured CC.
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That’s sad. I entered self-employed and 4.5L, it shows I’m “eligible for” Business Moneyback and CSC Small Business MoneyBack. Not interested in either so I won’t bother proceeding.
Then you haven’t known Axis Bank for sure.
HDFC bank should be fined heavily and banned again. Mofos are sending email daily that pre-approved credit card is there for you but it’s not pre-approved at all. They ask for all the detail, then ask for docs. That’s not pre-approved.
Never trust HDFC.
I applied cc in oct first week, no updates in that.
Again applied after in November offline.
Now they suggest to apply again for third time.
And they love to ask for unnecessary documents,idk where they shove them. I have given them my aadhar atleast 5 times.
Idk wtf"s wrong with this bank.
System so F-ed up, it can’t handle simple cc application, and they keep spamming with their new cond. based ltf CC’s every day. 
.
Their escalation system is also clueless, they keep extending timelines by giving petty reasons.
Proves that HDFC uses an Abacus for technology.
RIP MATHS .
Can’t. You need to swipe them for Rs. 2 / 25 and this one can’t.
many of my ‘preapproved’ offer got rejected later even after exe visit and video kyc and all
How many of your applications got rejected apart from hdfc,idfc ?
How long since you have opened this account?
How much balance you kept in account…did you do lot of heavy transactions???
HDFC definitely needs ban after ban, week by week till they get their systems right.
Current procedure (Ban for few months then operate few years then again ban for same reasons) is not working with them.
There is Only way to check if it’s pre approved or not..
Visit your home branch.. check with the RM or Credit Card agent..they Will have “pre approved” customers list..and the list will vary every month..
If someone is on “pre-approved” list, will branch call and inform or do we need to find out by going to the branch.
My moneyback was pre-approved. Proof? I filled the form and marked myself as a student. Still got approved! Though limit is 50k only
is it phased out for you or did you gain LE offer?
Its not purely pre approved as I have seen this kind of offer in already HDFC CC owner account also.
Of course no mention of limit, funny to see 0 limit; HDFC needs a ban again
Purely pre-approved will be seen in local branch RM system also, so call and ask them
but here also u can submit details as self employed and annual income as 3-4 lacs( they do not ask for docs) u may get the card(a friend got)