Factors that trigger Hdfc credit card limit enhancement

[Tarun239]

Hi, experienced members, what are the factors that trigger hdfc credit card limit enhancement?Apart from usual method of sending salary slips and itr to chennai, what should be the strategy to trigger limit enhancement? How much credit card limit should be utilised etc?

 

[AkashnAkashn is verified member.]

Its all random

 

[RishiKiDev]

Hi, experienced members, what are the factors that trigger hdfc credit card limit enhancement?Apart from usual method of sending salary slips and itr to chennai, what should be the strategy to trigger limit enhancement? How much credit card limit should be utilised etc?

After researching a lot about this topic in our forum I couldn't reach a conclusion for triggering LE for HDFC.

Its totally random, too many variables.
I have tried everything but the only thing that worked was sending income documents to Chennai

 

[vaibhav111vaibhav111 is verified member.]

Hi, experienced members, what are the factors that trigger hdfc credit card limit enhancement?Apart from usual method of sending salary slips and itr to chennai, what should be the strategy to trigger limit enhancement? How much credit card limit should be utilised etc?

spend 6-8 lakhs in 6 months time and LE could be on it way to your CC.

 

[Tarun239]

I have been using hdfc credit card for more than 7 years, in my experience whenever I have used almost my full credit card limit, there has been trigger of limit increase, I started with 1 lakh limit, currently 2.8,no increase since last 2 years as use has reduced drastically and number of cards have increased, so net usage has been low. My Worry is that usage of near full credit limit lowers the cibil score, hence worried about using full limit.

 

[RishiKiDev]

I have been using hdfc credit card for more than 7 years, in my experience whenever I have used almost my full credit card limit, there has been trigger of limit increase, I started with 1 lakh limit, currently 2.8,no increase since last 2 years as use has reduced drastically and number of cards have increased, so net usage has been low. My Worry is that usage of near full credit limit lowers the cibil score, hence worried about using full limit.

Don't worry the CIBIL bounces back to regular after you clear your dues. I have tried myself.

 

[ADITYA1904]

spend 6-8 lakhs in 6 months time and LE could be on it way to your CC.

Spent more than 25L still no enhancement since 3 years…😌

 

[ADITYA1904]

Spent more than 25L still no enhancement since 3 years…😌

Mean 25L in last year still…

 

[iamdhamo]

For me also no LE after my limit crossed 10L. It's been 1+ year since I got LE

 

[akash25ch]

My spending is more than 50L in 4 years, no limit increase offer yet

 

[Abdullāh Khān]

Milennia par 22K ki LE mil rahi hay, lelu guys? 🥲 Email to aaya nahi grievance redressal ka, they said 19th Feb say pahle resolve karenge, so should I wait for it and negotiate more?

 

[imdjay]

Milennia par 22K ki LE mil rahi hay, lelu guys? 🥲 Email to aaya nahi grievance redressal ka, they said 19th Feb say pahle resolve karenge, so should I wait for it and negotiate more?

its 1.22 Lakh not 22K.

 

[iamvk]

Hi, experienced members, what are the factors that trigger hdfc credit card limit enhancement?Apart from usual method of sending salary slips and itr to chennai, what should be the strategy to trigger limit enhancement? How much credit card limit should be utilised etc?

Don't use. I got enhancement when my spending reduced to zero for 3 months consecutively. I got it twice. May not be linked also

 

[Abdullāh Khān]

its 1.22 Lakh not 22K.

Naa pretty sure it's a meagre 22K only, it's worded deceptively

 

[Bugs Bunny]

Naa pretty sure it's a meagre 22K only, it's worded deceptively

Hadd krdi mtlb bhai ye to

 

[Abdullāh Khān]

its 1.22 Lakh not 22K.

Intentionally made the current limit text so inaccessible, can't even see it if you swipe down a bit quickly.

 

[Abdullāh Khān]

Hadd krdi mtlb bhai ye to

22k ka achaar daalu ab 😂 this will only increase my 30% ratio amount by a mere 6600 rupees...

 

[Strange]

22k ka achaar daalu ab 😂 this will only increase my 30% ratio amount by a mere 6600 rupees...

H(opeless) is se jyada de bhi nahi sakta. BOB bhi 30% deta hai but ye chindi bank 10-20% tak hi deta hai for most users.

 

[Abdullāh Khān]

H(opeless) is se jyada de bhi nahi sakta. BOB bhi 30% deta hai but ye chindi bank 10-20% tak hi deta hai for most users.

True man, I expected anything more than 40K atleast, year end mey bhi nahi mila kuch, aur pre approved diya bhi to 22K. Can't even apply for Tata Neu cards because of this.

 

[jeevanreddy58]

I also need Limit Enhancement this year. Got Tata nue card with shared limit with primary card. Only 1.7L limit on DCB..