sunit123
TF Ace
You are confusing between pre-approved offers and upgrade offers...Both are different...In upgrade offers, there is NO CIBIL hit.
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My HDFC credit card journey -- Pre-Approved offer finally unlocked
- Thread starter uipolo
- Start date
- Replies 38
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uipolo
TF Buzz
Read all these post already 4 months ago.and I am not in hurry will wait for better update.
I have one more question ❓
Like after suggestion from community,I have mentioned wrong occupation detail ( GOV JOB , SALARIED , annual income 7-10 lakh per annum)
Also select like I work in DEPARTMENT OF POST, which is a gov institute/ company.
What should I fill in future in occupation place during apply of PRE-APPROVED cc .
Will it be problem in future if I give same fake occupation detail during apply of cc.
Till now there is no occupation detail mentioned in my cibil or in any credit bureau.
Last edited:
GTSaketh
TF Ace
Nope i got my first HDFC card which is Millennia without CIBIL hit. Those are offers shown when everytime I enter my DOB.
Humanbeing
TF Premier
Has any verification happened in your case or did they ask any ITR/Salary slips?
GTSaketh
TF Ace
Nope, my card has been delivered few days ago and started using it.
Humanbeing
TF Premier
So, did you apply the card by yourself or with help of your RM?
sunit123
TF Ace
Not sure why HDFC is giving special treatment to you....Others are not getting this special treatment.
Personally i do not trust 90% info on public forums as it is misleading and wrong....For any HDFC credit card offer, they make CIBIL enquiry as they confirmed through email.
GTSaketh
TF Ace
I called my RM he is helpless. I call another person in my branch I know personally. He connected me to cc team and he helped me apply for it.
Even I didn't believe it.
My card is delivered on 4th. I refreshed my CIBIL on 5th
sunit123
TF Ace
check through CIBIL portal...You are checking through some app which shows wrong info or not updated...Some app shows Experian report not CIBIL..My experian report has 2 enquiry and CIBIL has 15
Your CIBIL must be having 50+ enquiry
GTSaketh
TF Ace
That's not how it works. Apps don't show the info themselves randomly, they pull the info directly from CIBIL/Experian. So no matter where you check it should be correct "for that day"
Onescore shows both CIBIL and experian. I have shared CIBIL.
No. Onescore/Gpay/Cred report pulls latest info from cibil only so that is correct and updated info.
Also there is possibility of no cibil hit (rare case but possible) because of pre-approved offer.
You are talking about generic application which leads to cibil hit but if you have pre-approved offer and if you check list of cards by through net banking offer link then no CIBIL hit. This is confirmed by other members
Good! Mubarak Ho🎉
Also not once but twice! Insane!!
The impact is minimal for someone with a credit history over 5 years. But, for someone new, the CIBIL score is likely to decrease in the next report.
GTSaketh
TF Ace
Will there be CIBIL hit as soon as application or few days later of getting card?
CIBIL hit as soon as they checked your application. I don't think there is any logic behind checking CIBIL after they approved the card. It's highly unlikely!
uipolo
TF Buzz
Lgta hai ab VIRGINITY todne ka time aa gaya hai 😂, delivery ke baad kon sa product hath aayega any IDEA , 😂
Sahil_07
TF Ace
time taken for millennia ltf ?
You may go thru this thread for more details..
Thread 'HDFC pre approved offer LTF or not?? Confusion'
https://www.technofino.in/community/threads/hdfc-pre-approved-offer-ltf-or-not-confusion.41280/
GTSaketh
TF Ace
Post in thread 'My HDFC Credit Card Journey – Still Waiting for Pre-Approved Offer' https://www.technofino.in/community...ing-for-pre-approved-offer.41335/post-1030583
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