HDFC Bank — credit card got disapproved deliberately, intentionally without any reason

rkmishra19

from Noida, Uttar Pradesh

Address:

New Delhi, Delhi, 110017

Hi,
MY concern is as mentioned below:
Application Reference Number 19F[protected]N1

HDFC Bank has done Address verifications on both my address(Office and Residence), wasted so much of valuable time.
I do have a CIBIL score of 760.
I applied it through Card-on-Card basis, how come it got rejected? As the other Bank approved the same application.

Still, the bank has declined my application, stating some casual reasons.

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HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Jul 15, 2019

HDFC Bank Customer Care's response Dear Customer,

We wish to inform you that the application for the credit card will be considered in line with the bank's internal credit policy and operating/credit processes. You may track your credit card application status in our Bank's website: www.hdfcbank.com under the following path: Personal Products - Cards- Credit Cards - Track your Credit Card.

-Nadia
HDFC Bank Customer Assistance

Jul 15, 2019

Updated by rkmishra19 Hi,
IT SEEMED THAT YOU DIDN'T UNDERSTAND MY QUERY.

I am sorry to say, this tends to be the same copy and paste kind of answer, which you have been giving to everyone.

My application fulfilled all the pre-requisite, which are necessary to issue a credit card. I do have a very healthy CIBIL score of 764, Credit utilization ration tends to be better.

You have done address verification, approved the application, then suddenly you declined my application, which was deliberate in nature. I applied through Card-on-Card basis. Still, you declined my application at the last moment.

HDFC has been the worst bank, I have ever had done business with,