HDFC Pre-Approved Credit Card Rejected

[AkashnAkashn is verified member.]

Hi everyone,


I’m sharing my experience with HDFC Bank regarding a pre-approved credit card offer with a ₹1 lakh limit, which I was genuinely looking forward to.


Unfortunately, my application was rejected, and the reason provided was:

“We encountered a challenge while verifying and validating your Residence address through our Contact Point Verification process, and it did not meet our Residence verification norms.”

Here’s why this is frustrating:

• No one from HDFC came to my residence or contacted me during the verification process.
• I’ve been using my HDFC account for over 2 years, and the same address is listed as my communication address.
• I previously had an HDFC Tata Neu credit card registered to this exact same address, which I closed in 2023.

I’ve already sent emails to escalation team and also reached out on Twitter , but so far all I’ve received are generic responses with no clear resolution or willingness to re-initiate the verification process.
Now I have now written to (Grievance Officer) requesting them to re-initiate the contact point verification and reconsider my application.


It’s disappointing to see a pre-approved card being rejected due to unclear verification procedures. Has anyone else faced similar issues with HDFC’s address verification or CPV process?


Would appreciate any advice or experiences.

(Thanks to ChatGPT 😛)

 

[Beyond]

Hi everyone,


I’m sharing my experience with HDFC Bank regarding a pre-approved credit card offer with a ₹1 lakh limit, which I was genuinely looking forward to.


Unfortunately, my application was rejected, and the reason provided was:



View attachment 101137
Here’s why this is frustrating:

• No one from HDFC came to my residence or contacted me during the verification process.
• I’ve been using my HDFC account for over 2 years, and the same address is listed as my communication address.
• I previously had an HDFC Tata Neu credit card registered to this exact same address, which I closed in 2023.

I’ve already sent emails to escalation team and also reached out on Twitter , but so far all I’ve received are generic responses with no clear resolution or willingness to re-initiate the verification process.
Now I have now written to (Grievance Officer) requesting them to re-initiate the contact point verification and reconsider my application.


It’s disappointing to see a pre-approved card being rejected due to unclear verification procedures. Has anyone else faced similar issues with HDFC’s address verification or CPV process?


Would appreciate any advice or experiences.

(Thanks to ChatGPT 😛)

In my area local hdfc branch guy does the verification, he forces naive applicant to apply from branch, to earn leads.
So visit your local branch, and apply from there, as now a days bankers can do anything to earn commissions. (online application they earn nothing)

 

[damn]

Not a big issue; happened with me too. Just email greivance, they will ask you to mail them a physical form with your attested living details, including proof of residence. However, I must warn you it takes a lot of time; for me, it took about 2-3 months to complete the exercise. On the bright side, no need to apply again.

 

[ravindra420]

I also faced same issue, escalate to HDFC, they will reinitiate the visit, and after visiting you will get the card same day approved.

 

[AkashnAkashn is verified member.]

Not a big issue; happened with me too. Just email greivance, they will ask you to mail them a physical form with your attested living details, including proof of residence. However, I must warn you it takes a lot of time; for me, it took about 2-3 months to complete the exercise. On the bright side, no need to apply again.

Mailed to grievance and they'll reply back on 30 June now. So yes its going to take long i guess 😐

 

[AkashnAkashn is verified member.]

I also faced same issue, escalate to HDFC, they will reinitiate the visit, and after visiting you will get the card same day approved.

Did you mail to grievance or any other email ID?

 

[damn]

Mailed to grievance and they'll reply back on 30 June now. So yes its going to take long i guess 😐

Yep, each revert takes about 1-2 weeks.

 

[Rashikv]

When i applied for my 3rd HDFC card on this January with same communication address, someone called me and asked location details for residence verification, but never came for the verification, so they rejected the application. After multiple escalations they tried to do physical verification two more times, on both time no one even called me for verification, then they asked to send physical documents 4 times, i sent the documents, but they rejected all of them without any valid reason. After 5 months now i have filed complaint to RBIO, let's see what's going to happen.

 

[AkashnAkashn is verified member.]

When i applied for my 3rd HDFC card on this January with same communication address, someone called me and asked location details for residence verification, but never came for the verification, so they rejected the application. After multiple escalations they tried to do physical verification two more times, on both time no one even called me for verification, then they asked to send physical documents 4 times, i sent the documents, but they rejected all of them without any valid reason. After 5 months now i have filed complaint to RBIO, let's see what's going to happen.

Damn. 3rd card means you already have 2 active cards?

 

[Rashikv]

Damn. 3rd card means you already have 2 active cards?

Yes, Paytm card and virtual rupay card. Shared limit.

 

[Nova711]

Hi everyone,


I’m sharing my experience with HDFC Bank regarding a pre-approved credit card offer with a ₹1 lakh limit, which I was genuinely looking forward to.


Unfortunately, my application was rejected, and the reason provided was:



View attachment 101137
Here’s why this is frustrating:

• No one from HDFC came to my residence or contacted me during the verification process.
• I’ve been using my HDFC account for over 2 years, and the same address is listed as my communication address.
• I previously had an HDFC Tata Neu credit card registered to this exact same address, which I closed in 2023.

I’ve already sent emails to escalation team and also reached out on Twitter , but so far all I’ve received are generic responses with no clear resolution or willingness to re-initiate the verification process.
Now I have now written to (Grievance Officer) requesting them to re-initiate the contact point verification and reconsider my application.


It’s disappointing to see a pre-approved card being rejected due to unclear verification procedures. Has anyone else faced similar issues with HDFC’s address verification or CPV process?


Would appreciate any advice or experiences.

(Thanks to ChatGPT 😛)

I'll just share my experience with address verification. I opened up a savings account with hdfc and I was supposed to receive a welcome letter. I've been living in this temporary address for almost 2 years and have no ID with this address. However, the welcome letter never reached my address and my account was disabled. I contacted the branch, they restored account activity and they said they'll reinitiate the process for welcome letter. 2 weeks later, account disabled again. I went to the branch, the relationship manager spoke to someone superior, then sent someone from the front desk with me to my address to verify personally. He took a picture of me in front of the building with the house number. 2 days later, account activity restored. 2 months later, my relationship manager got my diners Privilege card approved without any address verification. Got the card in 3 days.