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I feel guilty sometimes. I have not bought a single product through the RMwish i had a RM like than
Congrats!! Can you share what mail you sent after which they approved your card? It would be helpful for me since I will be in a similar boat in a couple of months.
Do it after you spend 7.5 lacs.Congrats!! Can you share what mail you sent after which they approved your card? It would be helpful for me since I will be in a similar boat in a couple of months.
I already have the limit criteria met on my regalia gold and have spends of more than 5+ lakhs in the last 2-3 months.
They had earlier refused my request to upgrade in Dec, but planning to send one again after reaching 7.5+ lakhs of spends
Do you know your cibil score? I used to get frequent CL increases on my old Regalia LTF upto 20L. Maybe experts can guide what factors determine cl upgrades?Hi guys,
I am also looking for infinia upgrade from existing regalia with limit of 5.4lakhs, but since one year (Feb 23) my limit is not increased by hdfc. Should I ask them to increase my limit by sending the form to Chennai officer or should I wait?. I have drastically increased the spending on cc via rent payments and insurance payments but did not receive any LE from 1 year. Looking forward to meet the first infinia criteria of 8L.
Kindly guide....
Yes my cibil is at 784!Do you know your cibil score? I used to get frequent CL increases on my old Regalia LTF upto 20L. Maybe experts can guide what factors determine cl upgrades?
If you can support with salary or itr, ask for LE. They can provide around 2.5x monthly in hand.Hi guys,
I am also looking for infinia upgrade from existing regalia with limit of 5.4lakhs, but since one year (Feb 23) my limit is not increased by hdfc. Should I ask them to increase my limit by sending the form to Chennai officer or should I wait?. I have drastically increased the spending on cc via rent payments and insurance payments but did not receive any LE from 1 year. Looking forward to meet the first infinia criteria of 8L.
Kindly guide....
You mean 2.5 times LE of monthly in-hand salary?If you can support with salary or itr, ask for LE. They can provide around 2.5x monthly in hand.
If not and your spend is 7.5 L in last six months, directly request for card upgrade along with limit enhancement.
No harm in trying either option.
So, infinia requires min 8L limit. So if in hand is greater than 2.5L, you can try. But if 3L you will easily get.You mean 2.5 times LE of monthly in-hand salary?
Even if in-hand satisfies criteria, spend waiver is required if less spends in last 6 monthsSo, infinia requires min 8L limit. So if in hand is greater than 2.5L, you can try. But if 3L you will easily get.
It's better to go only for LE as my sal is around 20lpa.So, infinia requires min 8L limit. So if in hand is greater than 2.5L, you can try. But if 3L you will easily get.
Yes, I have requested LE currently on my regalia ltf, not going for infinia directly.I can attest to the requirements in the opening post.
I had upgraded Regalia LTF to the FYF Regalia Gold.
After 3 months on RG, I have now requested upgrade through grievance cc and am being offered FYF DCB Metal, denied for Infinia Metal upon request. Spends in the last 6 months >4L and CL 6.2L.
Will try for LE in first year after receiving DCB Metal and have big spends lined up in 6 months and then request for Infinia Metal hopefully.
If you are ok can you please share your salary per month??Guys, I tried to manually increase my limit on regalia card and got only 20k enhancement (5.4l to 5.6l).
Any suggestions as to why so low enhancement I got....?
My other cards are as follows
Idfc select 2l limit
Sbi bpcl 2.28l limit
Icici rubyx and hpcl coral 2l shared limit
Kotak urbane gold 2l limit
Am I over leveraging? Should I close some cards and try again?
PS - my limit was increased without any calls or intimation, had submitted LE form in branch with salary slips
Suggestions welcome...