HDFC Bank — HDFC Credit not sanctioned without proper reason

Address:

Krishna, Andhra Pradesh

Dear sir/madam, My name is V.Radhika. I have been placed a request for Credit Card through one town branch - Vijayawada on 11th May'2015. Actually I applied this for second time. The branch people said I have eligibility for Credit Card and they were applied through my net banking and said I got a call on next day. But I didn't received any call till a weak and when I was checked it online through ref.number it showed the status - Disapproved. The same thing has happened on October'2014 when I applied this for the first time. That time the credit card worth Rs.75000 credit limit approved to the employee, who is working with me and with same company (colleague) and also she is getting the same salary comparing with me, though the same bank. But my application has been rejected. Then branch people said to me that I have to apply the second time only after 6 months. After that my has salary has been increased and I applied for credit card through same bank for second time after 7months. But the same thing has repeated which was happened first time and same reason shows that - 'DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILITY'. I can't understand the perfect reason and the branch people also not saying the correct reason for Disapproval of the Application. When the bank saying the same reason before 7months then how can it repeat the same thing after the increase of my net salary. I'm maintaining the HDFC salary account from last three years but the bank has not given any offers to me and now saying I'm not eligible for bank products. I want to know the correct reason for rejection because I'm not a defaulter in any way or anywhere. ***My Credit Card Application Reference Number - [protected]SI***