Pre-approved offer Of DINERS CLUB PRIVILEGE ⁉️

[Piyush_]

Hello Guys 👋
Actually I'm holding an savings account in hdfc bank 🏦
Now hdfc offers an pre-approved credit card for me.. With an limit of 92k..
Card variant= DINERS CLUB PRIVILEGE
Fees = FREE
Cards I'm holding now
- SBI CASHBACK
- INDUSIND LEGEND
- IDFC POWER PLUS
- IDFC FIRST MILLENIA
Having an confusion that should i take it or wait for another offer...
Any suggestions, guide for this ⁉️

 

[gg123]

So i applied today and when I checked status of application. It says approved. Does it mean there will be no verification?

did you get a CIBIL Hit?

 

[GTSaketh]

did you get a CIBIL Hit?

I didn't get any SMS and don't have any free cibil check to see

 

[gg123]

I didn't get any SMS and don't have any free cibil check to see

Strange thing. HDFC guys just calling me non stop for pre approved 180k LTF card. and got promotional messages saying 2000 amazon voucher.

I was like what the hell and just applied. Got a CIBIL hit and instantly rejected stating below.

Thank you for showing interest and applying for an HDFC Bank DINERS CLUB PRIVILEG Credit Card. We are delighted to have received your application; however, we regret to inform you that we are unable to proceed with your application no. xxxxxxxxx as your credit bureau track is not in line with the Bank's internal policy guidelines.

To serve our customers with best-in-class experiences and services, we follow a thorough scrutiny process, and every application must pass through that process. Unfortunately, your application could not pass through this check as it does not meet the internal policy requirements of our Bank.

We regret to inform you that we are unable to approve your application as it does not meet the above-mentioned internal criteria of the Bank.

We extend our gratitude for choosing us and look forward to offering you our best services in the future.

Wish to see you again, HDFC Bank


My CIBIL is ~780.