HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded( I think)...

[SSV]

Note: There is a follow up thread to this thread i.e. URL Decoding. That next thread is here:

HDFC Pre approved Credit Card Application URL - Decoded...

This thread is in continuation to my previous thread My Previous thread is here: https://www.technofino.in/community/threads/hdfc-cc-pre-apporved-offer-cibil-hit-or-not-decoded-i-think.14680/ URL Decoding - HDFC Card Applcation : Disclaimer: This is going to be a very lengthy post. The...

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HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded​

I have seen in a number of threads that there is a confusion amongst us regarding whether there is going to be CIBIL hard enquiry or not while check HDFC Pre Approved offers online. In some cases there will be a hard enquiry and in some other cases there won't be while checking for Pre approved CC offers in NB or at other places....

I think I have figured it out when there will be and when there won't be:

Whatever link you click on (i.e. source link), you will come to this pre offered CC checking page first ... If your offer checking page looks like this: then there will be a HARD enquiry:
The key here is after entering mobile no & (PAN or DOB) , if the second step is 'Confirm Details" then there will be HARD enquiry...




Where as, if this offer checking page looks like below: ( 2nd step being 'Choose your card') then there won't be any cibil enquiry until the next step where you confirm your details.

Here any pre approved cc will dispaly at the second step itself, if you go to the next step and confirm details then there will be hard enquiry...



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In a nutshell,

If the order is like this ( Confirm Details and Choose Card) then there will be a Hard Enquiry





If the order is like this ( Choose Your Card and Confirm Detials) then there will be NO Enquiry



If this was already discussed , please ignore this post...

Any opinions??

 

[ALOAK]

I have the mobile number of key account manager level 1 and other prominent managers. But can they help in getting the card without cibil hit as I've have corporate salary account with HDFC?

Nope it will still hit cibil

 

[RAMESH BABU N]

For me it is just a variation on Case 4 of ssv's new thread: it says "etb-pre-approved-credit-cards-without-offer".

I don't know what 'pre-approved-credit-cards-without-offer' even means! Whatever it is, it is definitely not "pre-approved"!

HDFC has no shame in misleading people. Same goes for ICICI too.

PRE-APPROVED

PRE-APPROVED WITHOUT OFFER.

PRE-ELIGIBLE.

PRE-APPLICATION.

We are sick of these.

We were happy with PRE-HDFC times.

 

[Akashn]

I guess everyone are receiving confirm details tab instead of choose your card these days.

You are right.. HDFC read this thread i guess

 

[newinnov]

You are right.. HDFC read this thread i guess

Same till last year I also used to get pre-approved link, but not now

 

[reach2dpg]

Same till last year I also used to get pre-approved link, but not now

I never got a preapproved link

 

[newinnov]

I never got a preapproved link

We are talking about a year back, now a days it's not coming. I used to get it under offers section in netbanking with limit

 

[NTT]

We are talking about a year back, now a days it's not coming. I used to get it under offers section in netbanking with limit

They still sending to my Sibling. In SMS, WhatsApp.

He can't login in net banking as he had stopped operating the saving bank account more than 10 years back. They still send alerts though but don't allow logging in net banking.

 

[ALOAK]

They still sending to my Sibling. In SMS, WhatsApp.

He can't login in net banking as he had stopped operating the saving bank account more than 10 years back. They still send alerts though but don't allow logging in net banking.

Just call them and tell them to stop sending sms for a inactive savings account

 

[animesenpai]

Funny thing happened with me though, once in every couple of months I check for any new cc offer.

I already have a millennia visa. In the offers it was showing me Millenia master card and swiggy. I wonder why it is showing me same card but different variant. Any idea?

 

[newinnov]

Funny thing happened with me though, once in every couple of months I check for any new cc offer.

I already have a millennia visa. In the offers it was showing me Millenia master card and swiggy. I wonder why it is showing me same card but different variant. Any idea?

Pre approved or via confirm details route?

 

[animesenpai]

Pre approved or via confirm details route?

Yeah I had to confirm details.

 

[NTT]

For me it is just a variation on Case 4 of ssv's new thread: it says "etb-pre-approved-credit-cards-without-offer".

I don't know what 'pre-approved-credit-cards-without-offer' even means! Whatever it is, it is definitely not "pre-approved"!

HDFC has no shame in misleading people. Same goes for ICICI too.

After I closed one ICICI card last year.. it is showing "Pre approved" but also asking me to apply same.

They get away with these mischief.