HDFC Bank — Credit Card Disapproval
ReRenu_rakhra on Jun 13, 2012
Please note that i applied for HDFC Credit Card and got Reference No : 12060116762790N1. I got all verification done at my office and residence too. I got multiple calls at office too for verification.
Today got checked in HDFC Link showing track your card application. Found the reason as follows.
Application Reference Number
DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILITY
We told to HDB Financial who called us for Credit Card and we never gone to HDFC for the same. Mamta, Executive called and we given all papers and verification also done positively.
I called Customer CARE and they are not giving any reason for Rejection. As per RBI GUIDELINE CIRCULAR NO - RBI/2008-2009/100 BOD.FSD.BC.23/24.01.011/2008-09 DATED 23-07-2008. HDFC Bank should give us reason or else we also file complaint in RBI and bank ombudsman.
We want Reason for Rejection as it will hit my CIBIL. My CIBIL was all clear and i got Home Loan too on same address. If we will not find reason for rejection, we will file case in Consumer court. It is my dignity which got effected and i am fully made up my mind for filing legal case against HDFC. I never had any credit card or liabilities from any bank in the past.
Please provide reason or else i will file case in consumer court.
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