DECL CODE DEFINITION

Defect Code Nature of Defect Category

0 Auto declinal System
1 Incomplete Application / Missing information Closed
2 No Income/ Surrogate Docs / Docs Waived Closed
3 Application not signed Closed
4 Signature mismatch Closed
5 On tour / out of station Closed
6 CSA - Salary credits not as per policy Closed
7 No revert from branch Closed
8 Permanent address & details not as per policy Closed
9 Customer not related to account Closed
10 Redo CPV Closed
10R Redo DV Closed
11 Multiple CPV Failure CPV
12 Biz Tele Verification Failure CPV
121 Biz Tele Verification Failure – Curable Closed
13 Residence Tele Verification failure CPV
131 Residence Tele Verification Failure – Curable CPV
14 Biz Verification Negative CPV
141 Biz Verification Failure – Curable CPV
15 Residence verification Negative CPV
151 Residence Verification Failure – Curable CPV
16 Poor Contactability CPV
17 CPV not as per grid/ CPV waived CPV
18 CPV partial/ Incomplete CPV
19 Mismatch in information - Pre-embossed
21 Bad Credit history on other products Defaulter
22 Unfavourable Dummy Auth Defaulter
23 Complete Match found in negative database Defaulter
24 Delinquent on HDFC card(s) Defaulter
25 Satyam match found Defaulter
26 Partial Match found in negative database Defaulter
31 Docs not clear Document
32 Docs not as per policy Document
41 Document verification negative Fraud
42 Suspected Fraud Fraud
44 Docs tampered Fraud
45 DSE Suspect Fraud
46 DSE Terminated Fraud
47 Very bad photocopy of C4C statement Fraud
48 Risk Related Declinals Fraud
51 Low Score Policy
52 City Mismatch Policy
53 Non CARD Location Policy
54 Credit Limit not as per policy Policy
57 NRI applicant/ Foreign National not as per policy Policy
58 Years in residence criteria not met Policy
59 Years in profession criteria not met Policy
61 Telephone criteria not met Policy
64 TOD>7 days Policy
70 Not approvable as per policy Policy
65 Age not as per policy Policy
 69 Cheque return criteria not met Policy
70 Not approvable as per policy Policy
701 Vintage on OBC/ Surrogate is less than 1 yr Policy
702 OBC/ Surrogate value below threshold Policy
703 Performance on OBC poor Policy
811 Office in Negative area/Undesirable location Sourcing
812 Residence Negative area/Undesirable location Sourcing
82 Income ( Gross / Net ) – too low Sourcing
831 Office out of city limits Sourcing
832 Residence out of city limits Sourcing
841 Bachelor acco – Rented – No phone Sourcing
842 Office cum Residence Sourcing
843 High Risk Profile Sourcing
844 Non Target Profile Sourcing
85 Bad Company profile Sourcing
86 DIP failure Sourcing
861 Sales Reject – Income threshold & Document norms Sourcing
862 Sales Reject – YCE, YCR, Telephone,Perm addr(BPO/IT/SW) Sourcing
863 Sales Reject – Age, Nationality, HRP, NTP Sourcing
864 Sales Reject – Negative Area, OCL, city specific Sourcing
865 Sales reject -Duplicate Sourcing
866 Back Calling Check - Never Applied/ Not Interested Sourcing
868 No Pan Number / Pan Proof / No Form 60-61 - Non Curable Sourcing
869 Sales Managers Wrong Stamping Sourcing
881 Incorrect Info - Resi Address Sourcing
882 Incorrect Info - Designation Sourcing
883 Incorrect Info - Phone Number Sourcing
884 Incorrect Info - Employer Sourcing
91 Applicant not interested General
93 Duplicate application – Previous Declined General
931 Duplicate application – Previous Queued General
932 Duplicate application – Previous Approved (referred to CS) General
933 Duplicate application – Previous Approved (referred to DM) General
934 Duplicate application – Previous Approved (referred to RMU) General
94 Multiple card issued with additional limit General
941 Multiple card issued with Split limit General
95 Cancelled and re input General
951 Cancelled and upgraded General
961 Cheque return for financial reason Health Plus card
962 Cheque return for technical return Health Plus card
963 Direct debit return due to financial reason Health Plus card
964 Direct debit return due to technical reasons Health Plus card
965 Health Plus - Cheque status not updated Health Plus card
851 BPO/IT inc < 10k Sourcing
845 Database --blue collar Sourcing