Hdfc Swiggy credit card rejected
- Thread starter omkasera
- Start date
zacobite
KF Mentor
nothing... call and ask for reason.. and wait to apply after 9-12 months.. everything is not about cibil only
Already 4 card he or utilization 12 % he or recent me enquiry bhi nhi he to kya reason ho sakta he
zacobite
KF Mentor
isliye.. too many cards.. and asking for more in quick time.. maybe not aligned to your income levels...
avatar0003
KF Rookie
Can anyone help me out. I am having hdfc tata neu plus and I applied for Swiggy hdfc because of the ltf offer. Everything was going good. I completed my kyc successfully. But after 3-4 days I got application rejection msg. I called customer support they mentioned that there is some phone number miss match issue with address, which initially made sense to me as my tata card is on another number and the current address was different when I applied for it. The support told me that the application is not fully rejected, I still have chance and have to visit nearby branch. I went to nearby branch and they were saying a complete different story of this being rejected because I already hold tata new plus hdfc card and the rejected was due to duplicate card request something like this. I asked to any way out but the bank credit card desk told there is no way out. Can any one please tell me is there any way of getting this card?
Personal Finance by Nish…
KF Ace
Even with a high CIBIL score, credit card applications can be rejected. Here are some internal bank reasons:
1. *Income Criteria*: Banks may have minimum income requirements, and if your income doesn't meet their criteria, your application might be rejected.
2. *Credit Utilization Ratio*: If your credit utilization ratio is high (i.e., you're using a large portion of your available credit), banks might view you as a higher risk.
3. *Credit Mix and Age*: Banks prefer a diverse credit mix (e.g., credit cards, loans, mortgages) and a longer credit history. If your credit mix is limited or your credit history is short, you might be rejected.
4. *Recent Credit Inquiries*: Multiple credit inquiries in a short period can negatively impact your credit score and lead to rejection.
5. *Employment Stability*: Banks may prefer applicants with stable employment history. Frequent job changes or unemployment might raise concerns.
6. *Geographic Location*: Banks may have specific policies or restrictions for certain geographic locations(negative area etc).
7. *Internal Bank Policies*: Banks have internal policies and risk assessment criteria, which might lead to rejection, even if you meet external credit scoring criteria.
Keep in mind that each bank has its unique policies and criteria. If your application is rejected, you can:
1. *Check your credit report*: Ensure there are no errors or inaccuracies.
2. *Contact the bank*: Ask for specific reasons for the rejection (if not provided).
3. *Apply with another bank*: Consider applying with a different bank or credit card issuer.
Remember to always maintain good credit habits, such as timely payments and responsible credit utilisation, to improve your chances of approval.
1. *Income Criteria*: Banks may have minimum income requirements, and if your income doesn't meet their criteria, your application might be rejected.
2. *Credit Utilization Ratio*: If your credit utilization ratio is high (i.e., you're using a large portion of your available credit), banks might view you as a higher risk.
3. *Credit Mix and Age*: Banks prefer a diverse credit mix (e.g., credit cards, loans, mortgages) and a longer credit history. If your credit mix is limited or your credit history is short, you might be rejected.
4. *Recent Credit Inquiries*: Multiple credit inquiries in a short period can negatively impact your credit score and lead to rejection.
5. *Employment Stability*: Banks may prefer applicants with stable employment history. Frequent job changes or unemployment might raise concerns.
6. *Geographic Location*: Banks may have specific policies or restrictions for certain geographic locations(negative area etc).
7. *Internal Bank Policies*: Banks have internal policies and risk assessment criteria, which might lead to rejection, even if you meet external credit scoring criteria.
Keep in mind that each bank has its unique policies and criteria. If your application is rejected, you can:
1. *Check your credit report*: Ensure there are no errors or inaccuracies.
2. *Contact the bank*: Ask for specific reasons for the rejection (if not provided).
3. *Apply with another bank*: Consider applying with a different bank or credit card issuer.
Remember to always maintain good credit habits, such as timely payments and responsible credit utilisation, to improve your chances of approval.
adarshdessai1993
KF Rookie
HDFC Swiggy Credit Card Rejected? Here’s What to Do Next!
So, your HDFC Swiggy Credit Card application got rejected? Don’t worry—you’re not alone! Many face this issue, but the good news is, you can fix it and reapply successfully!
HDFC usually rejects applications due to:
Low Credit Score (CIBIL < 750) Insufficient Income (Minimum salary requirement not met) Existing HDFC Card Limit Issues (If you already hold another HDFC card) Errors in Application (Incorrect details, mismatched documents) Too Many Recent Credit Inquiries (Multiple loan/credit card applications in a short time)
Check Your CIBIL Score (Get a free report from CIBIL/Experian)- If below 750, clear dues & avoid new credit applications for 3-6 months.
Increase Your Income Proof- Salaried? Show 3-6 months’ payslips + bank statements.
- Self-employed? Submit ITR + business proof.
Reduce Credit Utilization- Keep credit card usage below 30% of limit for a better score.
Wait & Reapply After 6 Months- Too many rejections? Avoid reapplying immediately—wait 6 months.
Apply via C2C (Card-to-Card) Method- If you have another card with 1+ year history & good limit, apply via that.
✔ Try Other HDFC Cards (Millennia, MoneyBack, Tata Neu)✔ Check Pre-Approved Offers in NetBanking/App
✔ Apply for Swiggy Card via Other Banks (ICICI, Axis may have similar options)
- "How can I check my exact rejection reason?"
- "Should I contact HDFC customer care?"
- "Which card is easiest to get after rejection?"
(P.S. Rejection isn’t the end! Many get approved on the 2nd try—stay patient & improve your profile!)
