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HDFC Credit Limit Increased from 15.5 lakh to 17.05 Lakh
- Thread starter sunit123
- Start date
Sobirvs
TF Ace
I called CC, they told me they placed a request and gave me a service req. no. too. Even he was facing some problem and called it "Server downtime".
They said I'll get regalia gold within 7-10 days, but I haven't gotten any sms/email yet abt this lol. They asked for IVR OTP(not to be given directly but pin it myself via keypad)
I kinda feel this request might get declined coz my cid issue is deeply troubling with hdfc's core system haha let's see. If it works, I just got upgraded to the cursed card, yay!
magnusfan
TF Premier
I checked my credit limit after reading this thread, and I noticed something odd. My Infinia limit is showing as 20L, while my Tata Neu limit is only 10L. I haven’t received any notification about any changes in my limit in the past few days. Can you help me figure out what’s going on? I believe 20L is what I recall should be the correct one
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aniketkr.sharma
TF Ace
There system is totally mess, I too had same scenario and on 17th January with there system update tata neu infinity limit overlaps on my regalia gold and they are making excuses till now, no resolution fxck hdfc grievance pno all
Closed my tata neu infinity on 19th feb
They issued Neu Infinity as floater card for me. It is sharing the same limit as my Regalia Gold.
aniketkr.sharma
TF Ace
Yeah it was but after 8 months there system did some messing up
There is no such cl cap for card variant in hdfc. But it has base limit.
So most likely your cl will be >3L. In rare cases, hdfc issue card with less than stated base limit. E.g. People have infinnia with 5L cl, and millenia with 10-15k cl.
Sobirvs
TF Ace
Mine's 3.45L.
Btw it seems I have been upgraded, regalia gold shows in mycard but I can't activate it till I know last 4 digits of the card which I can't till I get delivery.
I am still not sure what to do with regalia gold, as my ultimate aim is infinia only. taking this would mean waiting easily 6 months before any upgrade and no clue about CL increase when that will happen.
Also since regalia gold shows up in mycards, I can't seem to be able to make mil payment via bbps, when I try, it says wrong/incorrect details with my ph no and last 4 digits. Something is up here. Whenever we upgrade, does that mean we lose the option to make payments on earlier card even though that card is active and hasn't been replaced by the upgraded card yet?
I am thinking of may be sitting on regalia gold for like 30 days and see if I can get it converted to LTF or pressure HDFC into giving me more limit or may be perhaps infinia/DCB(i know won't ever happen, just says).
if you are sharing income details at the time of upgrade, then mostly you won't receive any auto/manual cl for next 6m.
aniketkr.sharma
TF Ace
It's 9 month going to complete after upgrading to regalia gold, no LE, No upgrade from grievance too after spending 7.3 lakhs
chnleo
TF Select
When wife's credit limit is getting increased then husbands need to be careful! 😅
My Regalia Gold situation is same as yours. Got upgraded from Millenia to RG in January 2024. Spent 7.5 lakhs in last year. But limit remains stagnant at 3.80 L. No LE offers received till now. In Nov 2024, I took Neu Infinity for UPI spends.
aniketkr.sharma
TF Ace
You will get offers on neu infinity now as I was getting too much loan offers to 7.2 lacs.
Closed tata neu infinity and now hoping to get LE or upgrade.
Hdfc is giving me so many loan offers. Personal loan, loan against cc, business loan. But isn't giving me auto le. All 3 loan offer put together are around 15-20x cl.
Spent more than 6L in millenia. Need 5L cl for bizblack upgrade. But they aren't ready to give me that cl.
Still axis was king. Was giving loan offers hundreds of times more than assigned cl. 😂.
Me- can you match my cl to icici cl using c2c?
Axis- no. But here's preapproved home loan offer of 1.2cr . Do you need car loan? Here's preapproved 50L car loan.
aniketkr.sharma
TF Ace
Same in case of hdfc, they aren't ready to match limit with any other bank cards, but are ready to give loan offers
Better to shift spends to other banks card. I have seen numerous cases where people got huge LEs on inactive HDFC cards .
Yes but in axis the gap is much higher.
The preapproved hl, cl they were offering was more than my house/car value. But they were not ready to inc cc cl enough to buy a good mobile/ laptop.
Yes I'll do the same now. I have mailed them to upgrade my card. Else I'll stop using their cc and take out all my funds.
Sobirvs
TF Ace
update : So HDFC's automated system sms'ed me saying setu your hdfc card xxxx pin instantly via mycards, incidently they revealed last 4 digits of the card in that sms and then i checked in bbps and ya millenia isn't taking the payment as the card is being upgraded/trxnsfrd but regalia gold upgraded card is taking the payments. This is funny coz i used mil card just 2 hrs back on zomato and it works, so credits on the mil isn't working(bbps) but debits do? what if zomato or some merchant had to refund to my mil card as i paid thru it? the card won't accept credits lol? very silly policy of hdfc...
anyways I have a Q, let's say I do the payment on regalia (bill is actually for millenia), will regalia get automatically activated?? I was thinking of sitting on regalia gold for 30 days before they call me and might offr me LTF lol.. should i do the payment or wait perhaps? my due date is 10th march
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