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HDFC Credit Limit Increased from 15.5 lakh to 17.05 Lakh
- Thread starter sunit123
- Start date
That makes much more sense, thanks!
Also, should I try filling out this form?? https://applyonline.hdfcbank.com/credit-cards/credit-card-upgrade-form.html
I just don't want to go for a hard enquiry with HDFC, I would rather apply with a bank which I don't have any past banking relationship with
aniketkr.sharma
TF Ace
Try & let us know if you get atleast RG with c2cThat's just disappointing to hear, but I do recall reading some threads about card 2 card working for higher cards
They aren't even hearing for credit limit match & you are saying they will give dcbm or infinia
Sobirvs
TF Ace
Thing is, I am not primary imperia, my brother is, I am under his family banking and even my brother's RG isn't LTF lol. He anyways does spends and his fee got reversed last month, so not sure if it's worth but will talk to RM abt my card.
See in banking some decision bm has to justify why he is recommending some extra perks. Bigger the perks, higher is the approval needed.
But some perks are so small that a manager of certain level doesn't have to justify. E.g.
There is cash transactions charges. Sometimes I do higher value cash transactions, so there is a cash handling charges. But whenever I tell my bm about it, she reverses it. I am not sure but she needs ch approval for it. To reverse 500rs charge isn't a big thing for preferred/imperia customer. So they don't need to justify it much.
But some perks are big. Like getting Infinia without income doc & low trv. Local mayor got infinia without satisfying any criteria. How? He gave a fd of municipality of 70+cr. So ch had to justify that it is a quid pro quo and they'll earn so much from that fd that even if the individual defaults, they are still making money. But as the perk is big, they need bbh, gh approval. Rm, bom,bm, Cluster/circle/zonal head need to justify this action but bbh/gh don't need to.
From an imperia customer the banks earns so much that making a 2500rs card free isn't such a big deal.
They generally limit the perks to primary when relationship is based on salary and nrv/trv is low. But as your brother relationship is based on nrv/trv, ch should approve.
Sobirvs
TF Ace
Msg'd my RM anyways and she said wait for monday, she is enjoying in kumbh. I am having fomo for kumbh now tbh.
Sobirvs
TF Ace
An update : I did a payment to regalia gold upgraded. It took the payment. I am still not sure if the card has been activated or not as my mil card still shows on mycards web app. I haven't set pin yet, neither activated as hdfc asked. Let's see what happens.
aniketkr.sharma
TF Ace
I suggest you to activate it and use it and get upgraded asap
Sobirvs
TF Ace
why? I kinda have this gut feeling that I am making a mistake if I activate lol
Also if I wait, may be LTF option might be given...
Tbh, I checked if I spend on this card even with smartbuy vouchers, the reward back is less than 4% compared to sbi cashback which atleast gives 5%, ugh.
aniketkr.sharma
TF Ace
You can decide better, but take precautions as its Hdfc
Sobirvs
TF Ace
aniketkr.sharma
TF Ace
Hoping for the best, as i am still getting offers for my closed infinity card.Hmm, activated.
Mil got blocked automatically.
I'm finally on the dark side
I just saw infinity card is also for loans on neu app, and it looks like this card is cursed and we thought of RG.
Sobirvs
TF Ace
HDFC really is shitty with cards. But I see them wanting to improve. Their expressway portal is good, and new netbanking is incoming, app new too incoming so let's give them few months more.
Neu really was a shitty card, good riddance I threw it out. Swiggy card with them changing the way they credit the cashback direct to statement rather than swiggy wallet was an improvement. They saved swiggy card becoming another neu. However much I try, I just can't seem to be getting rid of swiggy card. It's actually a card I spend the most (real spends, not manufactured lol). Have spent like 1.5L on it in last 5 months even though it's LTF for me. I am just worried swiggy card isn't cursed where I don't get CLE or upgrade on core card.
sunit123
TF Ace
if you have not done any sin then you may skip 😀
Sobirvs
TF Ace
It's not really about sin, people who commit sin think more abt kumbh that way, I am more like it's quite exciting so many people coming together as a united family.
adnanpasha3711
TF Buzz
I have been using my LTF HDFC Millenia (limit 1.4L) for around 2.5 years now, with monthly spends of 15K–20K. Despite spending over 5L in the last year, I never received a limit enhancement. Today, I noticed that I have been offered a meagre LE of just ₹14K. Should I accept it or wait for a better offer? I am aiming to get my limit to at least ₹1.5L, which would make me eligible for cards like the Tata Neu Infinity and possibly Regalia Gold. I was ineligible for the last LTF offer on the Tata Neu Infinity because my limit was below ₹1.5L. Also, does Regalia Gold have a similar 1.5L eligibility criterion?
sunit123
TF Ace
Catch it immediately....Boond Boond pani se ghada bharta hain
adnanpasha3711
TF Buzz
Haan, ho toh jayega, but maine suna h ek baar ye chote LE lene ke baad bade LE nahi milte
sunit123
TF Ace
In 2006, i received 5k LE and last 2 were 3 lakh and 2 lakh
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