This incident made me question the eligibility for different credit cards....

[tiny]

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

EDIT: Now he is asking what other cards he can/should apply 🥺

 

[BankExpertIndia]

Bro... That Is Called Power..

 

[Gautham]

H

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

He must be a HNI??!!

 

[tiny]

H

He must be a HNI??!!

no only account is (salary) SBI and salary is around 12L PA

 

[Gautham]

no only account is (salary) SBI and salary is around 12L PA

Did he get the card in hand?

 

[Pramtesh]

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

Instead of maintaining balance. You should have tried for becoming IAS. 😁

 

[tiny]

Did he get the card in hand?

yes yesterday

 

[Pramtesh]

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

Jokes apart. But top officials can get cards approved very easy. As almost No verification is done.

 

[CMG]

yes yesterday

Can you find out the limit?

 

[tiny]

HDFC account variant doesn't matter for CC

He doesn't have account in HDFC Bank... nor another banks CC

 

[Ad.Astra]

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

Banks do not follow eligibility criteria strictly. They can issue Card at their discretion, based on person's overall profile.

 

[tiny]

Can you find out the limit?

12L and he got a metal card I dont know how(Does HDFC even give metal cards..?)

 

[CMG]

12L and he got a metal card I dont know how(Does HDFC even give metal cards..?)

Infinia has metal variant. 12.5k+gst.

 

[Pramtesh]

Banks do not follow eligibility criteria strictly. They can issue Card at their discretion, based on person's overall profile.

Since he don't have account and credit card. So his cibil has not generated. So bank will easily approve his card

 

[krishc]

Did he get it ltf ?

 

[tiny]

Infinia has metal variant. 12.5k+gst.

Its LTF he won't spend a penny on CC cards that I know...

 

[tiny]

Did he get it ltf ?

yes LTF he won't spend a penny on CC I know for sure....

 

[Dhruvit.S]

He has a PA bro, mind the gap. We're just small fishes in the sea.

 

[Subhankar]

Ok so one of my friends elder brother is posted as District magistrate(IAS) in DELHI. I was at my friends home and this elder brother was also there, we were talking about CCs and all. To my surprise my friends elder brother had no idea about CIBIL and has no credit card. So he started asking me about it and I told him whatever I knew and I told him HDFC INFINIA is the best CC. He called his PA that contacted some other HDFC official and his card (INFINIA)got approved in 2-4 days. I don't know the limit but I feel stupid now for maintaining balance in the account for pre approved offers 😭😭😭😭

EDIT: Now he is asking what other cards he can/should apply 🥺

It's because of his position. His duties are typically much more valuable than the people maintaining such NRV for Infinia/ having such high Income (~37L). That position can get him that card. That's not even an exception. I know a person (having VVIP/celebrity status) have Reserve card with 36L limit and spends 900 Rs - 1500 Rs a month, doesn't use netbanking. Uses cheques to pay off credit card bills.

When you're worthy, you won't have any need to maintain that NRV/mail to the highest escalation to prove your worth (I'm not there as well, but I aspire to be). Be so worthy that Banks will come after you not the vice versa.

 

[tiny]

It's because of his position. His duties are typically much more valuable than the people maintaining such NRV for Infinia/ having such high Income (~37L). That position can get him that card. That's not even an exception. I know a person (having VVIP/celebrity status) have Reserve card with 36L limit and spends 900 Rs - 1500 Rs a month, doesn't use netbanking. Uses cheques to pay off credit card bills.

When you're worthy, you won't have any need to maintain that NRV/mail to the highest escalation to prove your worth (I'm not there as well, but I aspire to be). Be so worthy that Banks will come after you not the vice versa.

Can't agreed more...
BTW he got some SBI CC life time free.... but sbi is also has his Salary Account