HDFC Equitas Elegance Credit Card

[xiddy]

What is wrong with HDFC Bank? I got this card from them, and they have given me just 40K limit. They refuse to increase my limit despite have 8 other CCs, a credit score of 800+ and an excellent salary. Does anyone know what I can do here? Did I make a mistake by opting for the co-branded LTF card? My very first card that I got from Axis Bank 8 years ago had 5x the limit, despite me being a student at that time.

 

[amitamit is verified member.]

What is wrong with HDFC Bank? I got this card from them, and they have given me just 40K limit. They refuse to increase my limit despite have 8 other CCs, a credit score of 800+ and an excellent salary. Does anyone know what I can do here? Did I make a mistake by opting for the co-branded LTF card? My very first card that I got from Axis Bank 8 years ago had 5x the limit, despite me being a student at that time.

what is your best cc amongst your profile and what is the limit?

 

[xiddy]

what is your best cc amongst your profile and what is the limit?

My ICICI platinum and Amazon Pay both have 5L limit. The rest of them are in the 3L range.

 

[sv004]

Hdfc doesnt recognize icici. Amex, sbi, are among accepted ones

 

[xiddy]

Hdfc doesnt recognize icici. Amex, sbi, are among accepted ones

I have SBI Cashback as well.

 

[sv004]

I have SBI Cashback as well.

Use that statement then . It wl work

 

[sv004]

Send front side of card with 2 latest statement

 

[xiddy]

They have asked me to ship them physical copies of the statement to their address. Somehow, HDFC is worse than SBI.

 

[sv004]

Hmm yes in terms of application process it is.

 

[xiddy]

Update: I asked them to close the card, and they did almost immediately. Now this card had around 150 INR payment pending, I was unable to pay it once the card got blocked from HDFC's end, and now that the card is closed I don't even see that charge deducted from my account balance. Will this be reported as non-payment? I got a notification from CIBIL today about a change in my credit score right around the time this card was closed by HDFC.

 

[RajBlr]

They have asked me to ship them physical copies of the statement to their address. Somehow, HDFC is worse than SBI.

That's hdfc's Digital way 🤣

 

[xiddy]

Does someone here know the cooldown time for applying for another HDFC credit card? It keeps telling me that I recently got a CC.

 

[Digvijay]

Does someone here know the cooldown time for applying for another HDFC credit card? It keeps telling me that I recently got a CC.

Minimum 3 months, you can try offline on card to card basis

 

[xiddy]

It will be 3 months in a few days. I keep getting notification for an LTF card, if they offer me a co-branded one again, then I will approach the branch.

 

[Digvijay]

It will be 3 months in a few days. I keep getting notification for an LTF card, if they offer me a co-branded one again, then I will approach the branch.

If it's first card then go for core card instead of co-branded unless you need it specifically