HDFC giving credit limit of Rs. 5000

[kunalcc]

I have got new HDFC credit card with only Rs. 5000 credit limit. During credit card application it was showing credit limit will be 1.25 Lakhs. Its been many days, I still have Rs. 5000 credit limit. Even welcome letter of physical card was not showing credit limit. I already have another HDFC credit card with credit limit Rs. 75000. I am in utter confusion about my credit limit. Useless Customer care also has no idea about merged credit limit.

 

[pinki]

3 din me sb shi ho jata hai,
Means limit get matched with previous credit card.
If not , contact cs.

 

[Dr.Anand456Dr.Anand456 is verified member.]

Please wait for a few days, and your credit limits will be merged.

 

[Kumar93196]

I have got new HDFC credit card with only Rs. 5000 credit limit. During credit card application it was showing credit limit will be 1.25 Lakhs. Its been many days, I still have Rs. 5000 credit limit. Even welcome letter of physical card was not showing credit limit. I already have another HDFC credit card with credit limit Rs. 75000. I am in utter confusion about my credit limit. Useless Customer care also has no idea about merged credit limit.

Which card you got??

 

[SSV]

I have got new HDFC credit card with only Rs. 5000 credit limit. During credit card application it was showing credit limit will be 1.25 Lakhs. Its been many days, I still have Rs. 5000 credit limit. Even welcome letter of physical card was not showing credit limit. I already have another HDFC credit card with credit limit Rs. 75000. I am in utter confusion about my credit limit. Useless Customer care also has no idea about merged credit limit.

It would be nice if you explained a bit more like.
your existing CC name
your new CC name
when did you apply?

etc..

ANyway, when you apply for co-branded cards , initially HDFC gives 5k inital limit and after 5 days your shared limit will kick in..
This is a normal practice .. nothing to worry...
Enjoy...

 

[kunalcc]

Which card you got??

Swiggy credit card

 

[kunalcc]

It would be nice if you explained a bit more like.
your existing CC name
your new CC name
when did you apply?

etc..

ANyway, when you apply for co-branded cards , initially HDFC gives 5k inital limit and after 5 days your shared limit will kick in..
This is a normal practice .. nothing to worry...
Enjoy...

Existing Tata neu plus
New Swiggy card
Applied on 20 May

 

[Kumar93196]

Swiggy credit card

This is just complementary limit wait for a few days and both the limits will be merged.

 

[SSV]

Existing Tata neu plus
New Swiggy card
Applied on 20 May

So both are co branded.. okay wait for 5 working days for shared limit to kick in

Try to get a core card soon

 

[kunalcc]

So both are co branded.. okay wait for 5 working days for shared limit to kick in

Try to get a core card soon

Customer care saying, its not a floter card, I will get separate limit

 

[SSV]

Customer care saying, its not a floter card, I will get separate limit

Yes, floater card will be only issuesd against a core card and you don't have a core card as of now

 

[kunalcc]

3 din me sb shi ho jata hai,
Means limit get matched with previous credit card.
If not , contact cs.

Its been 7 days still my credit limit is 5000. This is Donkey HDFC. I need to make big purchase and HDFC is now irritating me

 

[SSV]

Its been 7 days still my credit limit is 5000. This is Donkey HDFC. I need to make big purchase and HDFC is now irritating me

This is a very peculiar scenario that we are experiencing here.. ie co branded card on top of another co-branded card.
This seems to be followed up with the bank continously..
This is an exceptional case.
All the best

 

[Kumar93196]

Its been 7 days still my credit limit is 5000. This is Donkey HDFC. I need to make big purchase and HDFC is now irritating me

7 working days except sat and Sun? Have you received your physical card.

 

[kunalcc]

7 working days except sat and Sun? Have you received your physical card.

Yes physical card received. Is HDFC bank so lazy to work on Saturday?

 

[Kumar93196]

Yes physical card received. Is HDFC bank so lazy to work on Saturday?

Every bank is lazy on SATURDAY.

 

[kunalcc]

Guys, here is update. Customer care now saying that my Swiggy card limit will be merged with Tata neu plus, of Rs. 75000 after first statement generation date on 16 June. Hats off to Donkey HDFC for irritating me whole month

 

[glnarayanan]

It doesn't normally take that long - 7 working days from activation (first spend) is what HDFC told me for the Swiggy card. Try calling HDFC customer care a few times to release the limit - that worked for me.

 

[kunalcc]

It doesn't normally take that long - 7 working days from activation (first spend) is what HDFC told me for the Swiggy card. Try calling HDFC customer care a few times to release the limit - that worked for me.

I have told customer care multiple times. Bunch of morons sitting in Customer care, they don't have any knowledge about shared limit / floter card. I am fed up

 

[glnarayanan]

I have told customer care multiple times. Bunch of morons sitting in Customer care, they don't have any knowledge about shared limit / floter card. I am fed up

I'm not going to refute that at all. Until I got my Infinia in 2022, I was frustrated with HDFC's ineptitude for 9 years. Email the Grievance cell & try via Twitter too. One of the channels is bound to work. It was stuck for me too & I pinged them via multiple channels on the 7th day (5th working day) and again on 8th working day. Second time worked, when I called Infinia support line.