[Resolved]  ICICI Bank — Credit card declined for 2 times with out proper reason

Address:

Chennai, Tamil Nadu

As a ICICI customer, I have applied for ICICI credit card 2 times and got declined without proper reason in a gap of 7 months. Verified my documents, Came to home, Call verification, office verification all happened. Even Credit limit was finalized. but declined in the final approval.Checked with customer care for more than 5 times and finally they attend my call and said that application got declined, but they refused to give the reason. Checked with ICICI branch for the reason. They simply said its declined. The declined code is HD. They themselves don't know what is HD means, HD stands for?. According to my cibil score and salary, i am eligible to apply for credit card.I don't have any loans, credit cards. For getting the documents & proofs, they called me more than 10 times a day, but when i want to track my application status no body turned up. Credit card rejection is not a matter. But I need a proper reason. So that i can check from my side Application no for reference. Can anyone please guide me to know the reason. Finally i came to know that icici bank outsourced their credit card service to some private agencies. The agency guys are working for their targets. Very bad