u/Whole-Document-4189

Applied for physical passbook reply after 4-5 days.

Hi, I am a hdfc saving account user for 3+ years. And I opened it for getting a credit card. But they never gave me any offer. So I manually(without offer) applied for it, but it got decline.

I Don't know what is the issue. I have maintained around 50k-100k all the time.

Now, I literally feel scammed by hdfc after putting my saving in there for a credit card....and got nothing.

My Question:- should I close the account?

I use Amazon for 2-9 times a month, so I wanna get icici Amazon credit card to get little cashback. But I am currently a student with 0 legit income.

Should I apply it?

My age- 22 years

Cibil-790(2 years old, 0 late)

Current credit card- slice limit 25k(10 months old) and a fd card(2 years old)

Income 0.

And no relationship with icici as well.

I shop on Amazon a lot. Like 5-10 items pet month. Today I saw that Amazon pay icici credit card can be applied. But my problem is I am un-employed right now.

How much chances are there for approval?

I had a fd credit card and slice credit card(25k limit)

Cibil= 790 (2 years old, 0 late payment)

No relationship with icici

I am a regular hdfc customer since 2023. I have maintained nearly 80k daily. But they never gave me any pre-approved credit card offer. So I manually applied for it and got rejected twice. I literally feel like scam.

What should I do? Close hdfc bank account or something else.

I had life insurance with them, daily smartbuy user.

Cibil- 780(2 years old).

Self employed.