same happens with me. 🤣
Loan on cc & ltf swiggy cc offers. At least swiggy offer comes at one particular position & takes a small space. Loan offer takes up almost the whole screen.
Last edited:
-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
Loan on cc & ltf swiggy cc offers. At least swiggy offer comes at one particular position & takes a small space. Loan offer takes up almost the whole screen.
Both cards have their own plus and minus. Info is is hard to get and practically demanding. M4B has strict criteria of MAB to be maintained with huge fees but excellent for high spenders.
Which one? Please share cuz all business ccs better than biz reg I know are from hdfc itself. And they have even more attitude to give those.
Do you use it for personal spends? Then there are plenty.
You know what really grinds my gears!
HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs
And all the while they won't increase my millenia limit from 1.16 lakhs or give me an upgrade
So they know my credit worthiness, they just don't want to give me anything worthy
HDFC was offering me 5 lakh personal loan for most of last year ,few months back ICICI increased my credit limit from 5.1 L to 6.1 L ,and now since last month HDFC has started offering me personal loan of 6 lakhs
And all the while they won't increase my millenia limit from 1.16 lakhs or give me an upgrade
So they know my credit worthiness, they just don't want to give me anything worthy
Last edited:
This was till last year ,
This year after my credit limit was increased, I've gotten loan offers as high as 9+L ,
But they still won't match my credit limit to that
+100 for this great comment.....HDFC is not big-hearted at all...
My scenario:
Home loan of 1 cr with HDFC with property value more than 6 crs
Offering me top up of 66 lacs without documents
Car loan pre approved 30 lacs
Personal loan offer 12 lacs
Preferred account with 5L plus average balance
But credit card limit offered 40k 😂 Cibil is 810 and absolutely zero delay in last 20 years on any loan or credit card. Highest limit card 8.20 lacs axis.
As per income, I easily qualify for their Biz power card but they always offer Money-back+
Home loan of 1 cr with HDFC with property value more than 6 crs
Offering me top up of 66 lacs without documents
Car loan pre approved 30 lacs
Personal loan offer 12 lacs
Preferred account with 5L plus average balance
But credit card limit offered 40k 😂 Cibil is 810 and absolutely zero delay in last 20 years on any loan or credit card. Highest limit card 8.20 lacs axis.
As per income, I easily qualify for their Biz power card but they always offer Money-back+
vine
TF Legend
Over 2000-2020, HDFC Bank has zoomed ahead of its competitors like icici. The only difference was HDFC has been giving retail loans with strict criteria, and reaped excellent returns for many years.
Today in this age, they still did not and do not want change their winning formula, because HDFC does not have a good reason to change it, and we are all victims of it. Nothing more. Nothing less. Don't take it personally.
Today in this age, they still did not and do not want change their winning formula, because HDFC does not have a good reason to change it, and we are all victims of it. Nothing more. Nothing less. Don't take it personally.
dexter_greycells
TF Premier
OP, cool down. With HDFC you need to be patient and that can mean even years. We have an HDFC "Trifecta" of an Infinia (2019), DCB (2023) and BizBlack (2024) in the family (all different cardholders). All were obtained through the usual route of the default HDFC credit card application-cum-suggestion page. No special links, no RM was ever chased or any emails sent to any escalation or redressal mailbox. Note that we aren't credit card hoarders. Amongst the 3 members in the family we don't even have 10 credit cards. HDFC is where a bulk of our savings accounts and stocks are maintained. So that may be factor.
jhanishdev
TF Premier
Our group accounts have been with HDFC for more than 2 decades. I have literally seen the bank go to the dogs. Being no.1 does not make a bank better. On a 5 year scale, both ICICI and Axis have beaten HDFC in returns. (source: google)
Also, ICICI under Sandip Bakshi is even more conservative with card returns and interest rates than HDFC.
If being conservative and retartded toward customers makes a bank look better then we should stop bashing Axis banks consistent card devaluation.
Last edited:
Like buying entire Indian coffee house to have some beetroots 😂😂.. iykyk
Biz power?? Whatt
U are easily eligible for Infinia Reserve Titanium
Jokes 🤣 apart, u are definitely eligible for DCB/Infinia/Biz Black. Contact ur RM/BM asap
Home loan is also a criteria for NRV
I face the same issue with HDFC. However with ICICI it goes a step further as they keep on calling you non stop for days altogether pitching the same pop up loan which you have would have clicked because of app delay.
Lately facing this with tata neu app.
