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HDFC Credit Card Application Experience 😵‍💫

knockoffaxis101

TF Premier
Hello ,

'It was before i joined TF ..my goal was to collect Mostly bank CC that gives instant Discount offer in sale. I didn't care about variant.'

------------------PART - 1 -------------------


I applied for Hdfc Shopper Stop LTF via Online ~ 20-Feb.

Next day i did vKYC and got the message of "Processed in 2 days". Checked after 2 days Only to know 'CARD IS DECLINE.'

I've seen some YouTube videos before that HDFC also Reconsider decline application. So i mailed them & they keep asking for income doc.

After 14-15 Mail conversation... they gave me no Actual Resolution, just automated response of "Will be checking & send income doc to HEAVEN".

But almost after a month i got a call in morning of hdfc field verification agent , he verification my home & office address.
After 2 days got that message again "processed in 2 days" & Check again after 2,3,4,5 days "CARD IS DECLINE"


Somehow.... I was happy 😊 because I've joined TF community and it's been more than a week. Now i know that HDFC provide only one card per customer and that too take co-branded card first is not a good thing.

------------------PART - 2 -------------------

So.. I decided to open HDFC ACCOUNT on 23-March.
I don't wanna maintain 10K so I decided to open AC in rural branch.
Applied online for Regular Savings in rural branch completed vKYC & everything.

Even till 26-March , my account didn't activated. So raised a complaint on 'X' and they said KYC IS NOT SUCCESSFUL.
Went to branch on 26 to do KYC for account. But Branch Employee said we can't do kyc because it's in another state, we have to verify your address, i gave him both addresses proof but he said can't do.
So i decided to open AC in that metropolitan branch. He processed everything and told me account will be activated in 2-3 hours.
Then I told him i want to apply for millennia Ltf, after some sweet talking him. He called HDFC card agent and took my doc & signed form.
AS of Now... Even my Metropolitan Branch Account didn't activated Nor Rural branch.
Received call from Rural branch, Please sir come to branch for kyc or go to your nearby branch. After sometime received call from metro branch to visit branch again.
------------------PART - 3 -------------------


I was f**king tired of their scheming, now i don't wanna do anything. Probably tomorrow go to metropolitan branch to check if they applied for millennia or not. Not because of Their BS account anymore.
 

knockoffaxis101

TF Premier
------NEED HELP-----

After all that things i received a mail just now.. that my SHOPPER STOP CARD GOT APPROVED (i didn't even ask these bastards for approval and neither sent income doc)🤦.

WHAT SHOULD I DO NOW ?

Because i applied for Millennia c2c via branch.
Would it rejected if i activate this card ?
Does HDFC Provide ONLY ONE CARD ?
 

Vasuki

TF Pioneer
Contributor
RML Group
VIP Lounge
Hello ,

'It was before i joined TF ..my goal was to collect Mostly bank CC that gives instant Discount offer in sale. I didn't care about variant.'

------------------PART - 1 -------------------


I applied for Hdfc Shopper Stop LTF via Online ~ 20-Feb.

Next day i did vKYC and got the message of "Processed in 2 days". Checked after 2 days Only to know 'CARD IS DECLINE.'

I've seen some YouTube videos before that HDFC also Reconsider decline application. So i mailed them & they keep asking for income doc.

After 14-15 Mail conversation... they gave me no Actual Resolution, just automated response of "Will be checking & send income doc to HEAVEN".

But almost after a month i got a call in morning of hdfc field verification agent , he verification my home & office address.
After 2 days got that message again "processed in 2 days" & Check again after 2,3,4,5 days "CARD IS DECLINE"


Somehow.... I was happy 😊 because I've joined TF community and it's been more than a week. Now i know that HDFC provide only one card per customer and that too take co-branded card first is not a good thing.

------------------PART - 2 -------------------

So.. I decided to open HDFC ACCOUNT on 23-March.
I don't wanna maintain 10K so I decided to open AC in rural branch.
Applied online for Regular Savings in rural branch completed vKYC & everything.

Even till 26-March , my account didn't activated. So raised a complaint on 'X' and they said KYC IS NOT SUCCESSFUL.
Went to branch on 26 to do KYC for account. But Branch Employee said we can't do kyc because it's in another state, we have to verify your address, i gave him both addresses proof but he said can't do.
So i decided to open AC in that metropolitan branch. He processed everything and told me account will be activated in 2-3 hours.
Then I told him i want to apply for millennia Ltf, after some sweet talking him. He called HDFC card agent and took my doc & signed form.
AS of Now... Even my Metropolitan Branch Account didn't activated Nor Rural branch.
Received call from Rural branch, Please sir come to branch for kyc or go to your nearby branch. After sometime received call from metro branch to visit branch again.
------------------PART - 3 -------------------


I was f**king tired of their scheming, now i don't wanna do anything. Probably tomorrow go to metropolitan branch to check if they applied for millennia or not. Not because of Their BS account anymore.
Hdfc is going another lvl


I had 2 year fight with them 😁
 

knockoffaxis101

TF Premier
How come metro branch was able to do fresh application? 1st they should have closed old application. Didn't you share same mobile no?

Anyway wait. Ask them to come to you. If metro guy said will get you millenia ltf, go with him. You can always change branch later.
He opened New account in that branch as well as request for closure of rural account.

About changing branch.. what is minimum period for that & also mab change.
------NEED HELP-----

After all that things i received a mail just now.. that my SHOPPER STOP CARD GOT APPROVED (i didn't even ask these bastards for approval and neither sent income doc)🤦.

WHAT SHOULD I DO NOW ?

Because i applied for Millennia c2c via branch.
Would it rejected if i activate this card ?
Does HDFC Provide ONLY ONE CARD ?
And now.. i got this problem also 😔
 

sidp

TF Ace
He opened New account in that branch as well as request for closure of rural account.
He messed up there. If he had closed 1st application you would have gotten confirmation in mail.
Also if you open account in branch you can put any communication address. No need to give any proof. But adhar address will be permanent address.
About changing branch.. what is minimum period for that & also mab change.
I dont think there is any waiting period. For regular savings account it will be 5k in rural/semi urban, 10k for urban/metro. For rest variants it is same everywhere. If you are below 25( i think) you can get digi youth account. 2.5k mab
And now.. i got this problem also 😔
Don't activate that card. Mail grievance.redressalcc@hdfcbank.com that you have no use for that card. You had applied for ltf millenia. Want that card only.
 

Grogu

TF Premier
Even I'm struggling to get a savings account at HDFC. I have HDFC Life and Ergo policies, so I'd prefer max savings to use as a primary bank account.

I'd also like to get a Millenia CC on LTF basis but I'm stuck.

 

Vasuki

TF Pioneer
Contributor
RML Group
VIP Lounge
Even I'm struggling to get a savings account at HDFC. I have HDFC Life and Ergo policies, so I'd prefer max savings to use as a primary bank account.

I'd also like to get a Millenia CC on LTF basis but I'm stuck.

Me stuck with no cc ❌
 

knockoffaxis101

TF Premier
He messed up there. If he had closed 1st application you would have gotten confirmation in mail.
Also if you open account in branch you can put any communication address. No need to give any proof. But adhar address will be permanent address.

I dont think there is any waiting period. For regular savings account it will be 5k in rural/semi urban, 10k for urban/metro. For rest variants it is same everywhere. If you are below 25( i think) you can get digi youth account. 2.5k mab
Sure. I'll go to branch again. Is transfer branch process is easy or i have to visit that rural branch ?
I'll keep ac in metro branch until the confirmation of Millennia cc status.
Don't activate that card. Mail grievance.redressalcc@hdfcbank.com that you have no use for that card. You had applied for ltf millenia. Want that card only.
After seeing my previous mails for approval.

They would be like :
Confused 3 Idiots GIF by Bombay Softwares
 
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