HDFC Bank — Credit Card application reference no. 21L[protected]S1

I have taken Consumer Loan from HDFC Bank, and I was told that there was a credit card available with pre-approved status only thing I should sign in the application form and there were no verification required as this based on my consumer loan. Hence, I did it.

5 days later I got a call from the bank stating its my verification call & said my application got approved and it will be delivered in 7 working days.

Again last Saturday (3 days later) I got a call from the verification person and he said he is going to my office for the verification process which is a mandatory.

And today, I got the below email stating my application got declined. So I am wondering what the **HECK** is happening?

Whether the HDFC bank is thinking that people are such a fools, like whatever the bank says we should turn our head just like that?

Also please do let us know, whether is this legal to provide false promises/statements to the customer so to apply the application to meet their monthly productivity count?

I am pretty damn sure that HDFC bank has aware this will affect my or any individuals credit score. Then, why these kind of play around?

For your reference, if you want I can share all the call details and recordings which HDFC bank customer care persons "said that my application got approved and it will delivered in a couple of days".

*** I am very much disappointed with HDFC bank service and Customer care support ***

Dear Sir/Madam,
Subject : Your Credit Card application reference no. 21L[protected]S1

Thank you for your interest in HDFC Bank Credit Card.
We wish to inform you that your application has been considered in line with the Bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes ( which include a combination of verifications, credit bureau reports and document verifications). 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.
Please be assured that our inability to approve the credit card application does not reflect in anyway on your credit standing or your financial stability.
We would be pleased to provide any other assistance/service that you may require.
Thank you once again.
Assuring you of our best attention at all times
This is an automatically generated Email, Please do not reply

Thanks,
Nisha Devi R
+91 [protected]
nishadevi.[protected]@gmail.com