[Resolved]  HDFC Bank — disapproval of my hdfc card application number [protected]n1

Address:	New Delhi, Delhi, 110059
Website:	www.hdfcbank.com

Hi hdfc team,

So recently, i joined a new company and as per the company policy they opened an salary

Account on hdfc. The sales person persisted me to get the credit card so i applied for hdfc

Credit card & submitted all the required documents and information for application form.

I was confident of getting my card application approved. After a day or two received

Multiple sms regarding credit card processing, one of those sms was this :
"dear applicant your hdfc bank credit card app ref no [protected]n1 is approved in

Principle subject to internal checks"

But few days later i received mail from bank that they are incapable to process my

Application without specifying any reason. Following is the mail:

Dear sir/madam,
Subject : your credit card application reference no. [protected]n1
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."

What a # response to my application..! If someone is reading this message from hdfc

Credit risk team, have the guts to send me the specific reason for rejection.

It is really disappointing that after collecting all the docs and verifications still not

Giving the reason. This also makes feel insecure about our document to be miss used like

Pan card, aadhar card, bank statements, pay slips as all these are private properties.

So hoping to get some solution.

Deepak kumar
Credit card ref no.- [protected]n1
Email - [protected]@gmail.com