HDFC Millennia limit increase before activating it

[aries]

Got 75K limit against a 2.36L preapproved offer on HDFC Millennia. I have an HDFC savings account and my target was to get Tata Neu Infinity. I don't really need Millennia right now. The limit is incredibly low and I'm pissed at the bait-and-switch HDFC pulled on me after spamming me for weeks. Can I cause a stir in emails to somehow increase the limit? I can share my ITR or threaten not to activate the card. Does that work with HDFC?

 

[yusuf646]

Got 75K limit against a 2.36L preapproved offer on HDFC Millennia. I have an HDFC savings account and my target was to get Tata Neu Infinity. I don't really need Millennia right now. The limit is incredibly low and I'm pissed at the bait-and-switch HDFC pulled on me after spamming me for weeks. Can I cause a stir in emails to somehow increase the limit? I can share my ITR or threaten not to activate the card. Does that work with HDFC?

Send an email to PriorityRedressal.CreditCards@hdfcbank.com, requesting a credit limit increase. Attach your ITR and mention that the current limit is too low, and you are not interested in activating the card if the limit is 75K.

 

[Anupama_Jha]

Got 75K limit against a 2.36L preapproved offer on HDFC Millennia. I have an HDFC savings account and my target was to get Tata Neu Infinity. I don't really need Millennia right now. The limit is incredibly low and I'm pissed at the bait-and-switch HDFC pulled on me after spamming me for weeks. Can I cause a stir in emails to somehow increase the limit? I can share my ITR or threaten not to activate the card. Does that work with HDFC?

What's the avg limit across ur cards? If it's nearby then most probably in reply, you will get as "write again after 6 months"

No harm in trying though. But better activate it, as even if it's paid card, u will get 1000 cash points equivalent to ₹1000. So technically FYF

 

[yusuf646]

What's the avg limit across ur cards?

Does this matter to HDFC? All my other credit cards have higher limits than my HDFC card, which is only 64K. They are not ready to increase the limit because I don't have an ITR.

 

[Anupama_Jha]

Does this matter to HDFC? All my other credit cards have higher limits than my HDFC card, which is only 64K. They are not ready to increase the limit because I don't have an ITR.

Even if you have ITR they won't increase. Mine is 75k lowest across portfolio. I even have a 10L ITR, still they aren't increasing😂

 

[aries]

Even if you have ITR they won't increase. Mine is 75k lowest across portfolio. I even have a 10L ITR, still they aren't increasing😂

My situation is not too dissimilar from yours. Now I don't have any confidence in HDFC. Did you have an existing bank account when you tried increasing CL for your card?

 

[Anupama_Jha]

Did you have an existing bank account when you tried increasing CL for your card?

Yupp from starting day.

 

[yusuf646]

My situation is not too dissimilar from yours. Now I don't have any confidence in HDFC. Did you have an existing bank account when you tried increasing CL for your card?

Still no harm in trying. Maybe you'll get higher limit depends on their mood.

 

[aries]

Update: got 2X of the approved limit on Milennia after I complained to priorityredressal. Now my millennia has 1.5L limit. I told quite strongly that I was disappointed by their miss-sell and that I won't activate the card if the original limit stayed and sent my ITR to support my claim. I don't know which factor helped, but I only activated the card after HDFC revised the original limit. Thanks @yusuf646

I guess this is a precedence. If you have leverage then HDFC will listen to you

 

[Perxhere]

Hi @aries, I tried the same thing attaching the salary slips and sending it to the email - PriorityRedressal.CreditCards@hdfcbank.com, but they replied backing saying due to internal policy we will not be able to proceed and we will update periodically. I am a first time user should i active the card or mail them back again asking for increasing the credit limit. They have given me 60k limit..