HDFC card application Declined.

[Emmit]

I have applied HDFC credit card for family member as first time borrower. His credit score is NH. Provided all necessary income proofs while applying.

All process was smooth. Biometric kyc within 2 days, physical verifications next day. But today card got declined.

Reason they gave is full adhar number is visible in ITR. This is not acceptable as per guidelines. They asked to send masked ITR to Chennai office.

I requested them to receive digitally on mail and they agreed politely. I sent it on mail and they acknowledged it.

Later at evening, i decided to sent physical documents to Chennai office as requested. So sent by courier also.

In evening I got SMS and Mail that card is declined. But status showing inprocess.

Have anyone faced similar situation.??

Update- card got approved after physical document sending.

 

[Emmit]

Konsa wala and limit
Congrats

Yay. Credit Limit?

Biz grow rupay. Limit Don't know. Just get approval mail with application detail. Card will be delivered within 3 working days.

No insta card yet. Not showing on UPI apps. Looks like virtual card not generated yet.

 

[SSV]

Biz grow rupay. Limit Don't know. Just get approval mail with application detail. Card will be delivered within 3 working days.

No insta card yet. Not showing on UPI apps. Looks like virtual card not generated yet.

Check in “mycards” app soon..
It will appear there first..

Link is here, if you don’t know about it..

MyCards

Description

mycards.hdfcbank.com

 

[Emmit]

Check in “mycards” app soon..
It will appear there first..

Link is here, if you don’t know about it..

MyCards

Description

mycards.hdfcbank.com

thanks. Already checked there also. No card showing. I think it will be generated by tomorrow morning. @SSV

 

[SSV]

thanks. Already checked there also. No card showing. I think it will be generated by tomorrow morning. @SSV

Yes, by tomorrow you should see something here , in a most likely scenario

 

[Wealth is my birth right!]

thanks. Already checked there also. No card showing. I think it will be generated by tomorrow morning. @SSV

Sometimes they send a virtual link in email to view card details and limit

 

[Emmit]

Sometimes they send a virtual link in email to view card details and limit

I got link back in April for Swiggy card but this time no insta card is provided. Still Waiting if I get by midnight or morning.

 

[Emmit]

It's showing in UPI app. It's official. Card has been issued. 🤩 Still waiting for virtual card and limit provided. Not showing in mycards

 

[Emmit]

Final update.
Got 1.75L limit.🤩🫡

This is too good limit to start with credit journey. Considering no credit history and prior relation,

52500 limit to spend a month without worrying Credit utilization ratio. This is so satisfying.

Thank you HDFC Bank.

@SSV @hitirfan @Wealth is my birth right! @harsh_ujjwal @akshayhs

 

[hitirfan]

Final update.
Got 1.75L limit.🤩🫡

This is too good limit to start with credit journey. Considering no credit history and prior relation,

52500 limit to spend a month without worrying Credit utilization ratio. This is so satisfying.

Thank you HDFC Bank.

@SSV @hitirfan @Wealth is my birth right!

Noice... With regard to utilisation. As minimum as you spend, better the Credit Score.

 

[SSV]

Final update.
Got 1.75L limit.🤩🫡

This is too good limit to start with credit journey. Considering no credit history and prior relation,

52500 limit to spend a month without worrying Credit utilization ratio. This is so satisfying.

Thank you HDFC Bank.

@SSV @hitirfan @Wealth is my birth right! @harsh_ujjwal @akshayhs

Congratulations 🎊 again for a very decent CL..

For credit score and how it works, you can go thru the thread here..

Thread 'CIBIL Score - A Practical Guide' https://www.technofino.in/community/threads/cibil-score-a-practical-guide.29167/

 

[Emmit]

Noice... With regard to utilisation. As minimum as you spend, better the Credit Score.

Congratulations 🎊 again for a very decent CL..

For credit score and how it works, you can go thru the thread here..

Thread 'CIBIL Score - A Practical Guide' https://www.technofino.in/community/threads/cibil-score-a-practical-guide.29167/

Thank you. Maximum use he have is 20-25k per month so no worries.

All things have learnt already by you guys and this community. Will buy cibil premium after 2 months for better and transperant view of credit report.

Thanks again.