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.

 

[CRN]

Same thing has happened with me. I had pre approved LTF Millennia credit card offer so I applied online by myself (made this mistake not applying with the help of branch employee) and my pre approved credit card application was rejected citing the reason that they aren't offering credit card in my current location at present.
What was surprising is that last year my Freedom credit card was approved by HDFC with having same location or address which was closed later without activation. I had waited for almost a year to get the pre approved credit card offer but all went in vain. I also mailed the Grievance regarding reconsideration & saying that previously my card was approved with same location, but I received the same reply that they can't process my credit card application any further due to location not serviceable.
Heard few stories that people even have received card to their locations despite being rejected but very seldom we tend to see such examples.
Do update if you get any success with HDFC credit card, I hope you will get the card this time @Akashn

 

[AkashnAkashn is verified member.]

Update:
Residence verification was done on 27th June.
Card got approved today!


Not sure if mailing the grievance team actually helped or if it was just the usual delay with HDFC's contact point verification.
Still no reply from them though.

 

[6ix9ine]

Update:
Residence verification was done on 27th June.
Card got approved today!


Not sure if mailing the grievance team actually helped or if it was just the usual delay with HDFC's contact point verification.
Still no reply from them though.

DCP, right ?

 

[AkashnAkashn is verified member.]

DCP, right ?

Yess bro. Will try to convert it to Millennia after 6 months

 

[6ix9ine]

Yess bro. Will try to convert it to Millennia after 6 months

Sounds good, best of luck and use DCP as much as you can, who knows maybe you get better upgrades (if you are into miles game)

 

[CRN]

Update:
Residence verification was done on 27th June.
Card got approved today!


Not sure if mailing the grievance team actually helped or if it was just the usual delay with HDFC's contact point verification.
Still no reply from them though.

Congratulations to you bro. Very happy that at least you finally received your pre approved card.
In my case, I will have to wait another year and need to change the communication address in order to get the card next time.

 

[CRN]

Update:
Residence verification was done on 27th June.
Card got approved today!


Not sure if mailing the grievance team actually helped or if it was just the usual delay with HDFC's contact point verification.
Still no reply from them though.

What do they do during residence verification?

 

[AkashnAkashn is verified member.]

What do they do during residence verification?

Basic questions and a photo from outside (selfie with agent)
Questions-
1. Name
2. Rent and how long I’ve been staying here and in this city
3. Number of people living
4. Earning members in this house
5. Company Name, Location & how long I've been working there
6. If neighbors know me (in some case he might ask them but thank god he was in hurry)