[Resolved]  HDFC Bank — Credit card application rejected - HDFC application reference number - [protected]E1

Address: 711102

Website: www.hdfcbanksmartapply.com

Hi support,

My name is joydeep bhattacharya. I have submitted for a basic hdfc credit card. The hdfc executive told me the itr for last two years should be above 2 lakhs per year. And kyc needed.

So i submitted the kyc along with the itr, after few days i got the application reference number and after few days when i saw the status of my card. It was dispparoved due to some signature mismatch. I have filled up the declaration form and one of the executive have sent the application again.

Sudenly today i got this msg from them:

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.

We would be pleased to provide any other assistance/service that you may require.

— i respect the banking decisions but i want to know why my application rejected? The cause is the itr or kyc?

Can you please help me finding the reason behind it.

Thanks and regards,
Joydeep bhattacharya