HSBC CREDIT CARD APPLICATION AN CIVIL ENQUIRY

[marshal]

Hello everyone,

I have recently applied for HSBC credit card on 19th November. On same day immediately after completing my application one CIBIL enquiry was performed. After 2 day, on 21st November one more CIBIL enquiry was performed by HSBC Bank for same product. Is it normal? I don't think so. I mailed HSBC for this. But no reply from their side or any acknowledgement mail. What can I do else? Suggest me please.

 

[Skylar]

Hello everyone,

I have recently applied for HSBC credit card on 19th November. On same day immediately after completing my application one CIBIL enquiry was performed. After 2 day, on 21st November one more CIBIL enquiry was performed by HSBC Bank for same product. Is it normal? I don't think so. I mailed HSBC for this. But no reply from their side or any acknowledgement mail. What can I do else? Suggest me please.

That is not normal. Please reach out to HSBC again and wait for their response. If they do not respond within 30 days, you can register a complaint with the RBI Ombudsman.

HDFC conducted three credit inquiries for one application, and when I complained to customer support, they said it couldn't be removed. However, after filing a complaint with the RBI Ombudsman, they removed two inquiries and provided a ₹1,000 Amazon gift voucher as compensation.

 

[marshal]

Thank You for your response.

In my case, I raised dispute with CIBIL, because I have purchased the membership of CIBIL. After 3 days my enquiry of 21St November was not in th list. Means they removed it.

 

[Maitri Maniya]

That is not normal. Please reach out to HSBC again and wait for their response. If they do not respond within 30 days, you can register a complaint with the RBI Ombudsman.

HDFC conducted three credit inquiries for one application, and when I complained to customer support, they said it couldn't be removed. However, after filing a complaint with the RBI Ombudsman, they removed two inquiries and provided a ₹1,000 Amazon gift voucher as compensation.

@Skylar when we start from scratch. from entering mobile number, PAN & otp. they do CIBIL enquiry everytime?
i started application one day. but didn't choose any card. the next day i had to start form scratch. so should there be 2 enquiries or 1?
i am having 2 HDFC enquiries for just a difference of 1 day

 

[zacobite]

@Skylar when we start from scratch. from entering mobile number, PAN & otp. they do CIBIL enquiry everytime?
i started application one day. but didn't choose any card. the next day i had to start form scratch. so should there be 2 enquiries or 1?
i am having 2 HDFC enquiries for just a difference of 1 day

hsbc will do 2..i had same issue.. escalated to rbi and got it removed

 

[Maitri Maniya]

hsbc will do 2..i had same issue.. escalated to rbi and got it removed

What about hdfc?

 

[zacobite]

What about hdfc?

similar..u shd always complete application in one go..

 

[Maitri Maniya]

similar..u shd always complete application in one go..

okay. will this in mind. but for this can i escalate to RBI and get it removed?

 

[zacobite]

okay. will this in mind. but for this can i escalate to RBI and get it removed?

try.. usually works

 

[Maitri Maniya]

but firstly i have to reachout to HDFC?

 

[zacobite]

but firstly i have to reachout to HDFC?

yes

 

[Skylar]

@Skylar when we start from scratch. from entering mobile number, PAN & otp. they do CIBIL enquiry everytime?
i started application one day. but didn't choose any card. the next day i had to start form scratch. so should there be 2 enquiries or 1?
i am having 2 HDFC enquiries for just a difference of 1 day

Then 2

 

[Maitri Maniya]

Then 2

Complain to RBI to remove the 1 inquiry is valid in this case or not?

 

[Maitri Maniya]

Complain to RBI to remove the 1 inquiry is valid in this case or not?

@zacobite @Skylar can you please confirm this

 

[Skylar]

@zacobite @Skylar can you please confirm this

They won't remove it as you started from scratch it will be considred as new application.

 

[zacobite]

hsbc will do 2..i had same issue.. escalated to rbi and got it removed

@Maitri Maniya