I am bloody optimistic (sanguine) that HDFC will NOT Approve it.
In the last 3 years, nothing changed much - either in my CIBIL score or in my income levels or any other metrics.
So, when they (HDFC) did not give even a co-branded Swiggy card to me, or even the most unwanted basic card - in the last 3 years - I see no reason why their stupid Chennai office will give now - notwithstanding it is a PhonePe co-branded one.
On the flip side, my age is now 65 and I have 15-20 CCs. CIBIL is hovering around 798-804 range.
Unless HDFC is really feeling the heat from SBI-PhonePe and are really desperate, they should decline my form.
I am not exactly excited nor too hopeful. But, let's see.