HDFC Bank — Wrongfully denied credit card application.

I had a credit card in the past and I defaulted on it, recently I've paid the balance in full and closed my account. I can see that my account shows closed on cibil.com and other credit union institutes.

Now my credit score is 764, I've applied for an HFDC credit card and it got declined, I've cleared my dues, receive NoC from HDFC bank and I don't know why I still cannot get a card. I request HDFC bank to please review my application again as the account in question mentioned below is "CLOSED"

I've also attached the payment proof and NOC received towards my Credit card,

Here's the reason I've received towards my Credit Card Application#22B[protected]W1:

YOUR REFERENCE NO 22B[protected]W1 ***

Dear MR SUFIYAN S MOMIN,

Subject : Your reference no. 22B[protected]W1

This is further to your credit card application received by us. At the outset, we thank you for your interest in HDFC Bank Credit Card.

We observe from our records that we have issued a credit card earlier to you and the said credit card account is currently suspended due to service/repayment/dormancy related reasons.

Hence, we regret to inform you that we would be unable to process your current application for issuance of a credit card at this stage.

Assuring you of our best services at all times.

Please do not reply to this email, this is sent from an automated mailbox

Note that all credit card benefits/facilities including third party products as opted by you in the application will not be processed due to non-approval of your credit card application.

Any financial/non- financial liability arising due to the same would not be borne by the Bank.

HDFC Bank Cards Division, P.O.Box 8654, Thiruvanmiyur P.O., Chennai 600041.