2 HDFC Bank credit card approved within the one month

[Dr.Anand456Dr.Anand456 is verified member.]

Surprisingly, I got approved for two HDFC credit cards in June. I applied for a Tata Neu Plus card a few days ago and got approved. Then, two days ago, I saw that I was eligible for a lifetime free Swiggy credit card through my Swiggy app. I applied for it, and today my application was approved, and my card was issued. Now, I have three HDFC bank credit cards, all of which are lifetime free.

However, there's a problem. My total credit limit is just 23,000 rupees. I got my first HDFC Millennia credit card about two years ago with a 23,000 rupee limit, which has not increased since then. I tried everything: converting purchases to EMI, using the card to its full limit for six months, not using it at all, and various other methods, but the limit hasn't increased. It's strange because other banks are offering me credit limits in lakhs, but HDFC is not increasing my limit even though they keep approving new cards.

I'm confused about how to effectively use these cards with such a low limit. HDFC Bank's policy seems quite odd.

 

[theflash]

Sad in most cases they don't offer LE to multiple card holders that's what I've heard...

I had 33k Swiggy, rupay and one more cobrand had to close it to apply new. Now will apply new next month if CIBIL and all is proper ....

 

[pinki]

Ye swiggy wale kis basis pe LTF offer kr rhe hain 🥴 mujhe abhi tk nhi diya , jbki swiggy regular use hota hai 😐

 

[taskmaster]

Ye swiggy wale kis basis pe LTF offer kr rhe hain 🥴 mujhe abhi tk nhi diya , jbki swiggy regular use hota hai 😐

I think they are targetting intermittent users more in order to get them hooked back to swiggy. I got it a few days back and got approved next day.

 

[Dr.Anand456Dr.Anand456 is verified member.]

Ye swiggy wale kis basis pe LTF offer kr rhe hain 🥴 mujhe abhi tk nhi diya , jbki swiggy regular use hota hai 😐

I think, Swiggy one membership walo ko jyada preference dete hai, sath hi jo daily basis pe swiggy se order kerte hai. In my case, maine swiggy ka one year ka swiggy one membership liya hua hai, kyuki mera bahut jyada order hota hai swiggy se, aur minimum 15 days order ho hi jata hai ek mahine me.

 

[Deopad]

Hdfc millennia application getting denied saying previous application being assessed

 

[b4bhar]

Surprisingly, I got approved for two HDFC credit cards in June. I applied for a Tata Neu Plus card a few days ago and got approved. Then, two days ago, I saw that I was eligible for a lifetime free Swiggy credit card through my Swiggy app. I applied for it, and today my application was approved, and my card was issued. Now, I have three HDFC bank credit cards, all of which are lifetime free.

However, there's a problem. My total credit limit is just 23,000 rupees. I got my first HDFC Millennia credit card about two years ago with a 23,000 rupee limit, which has not increased since then. I tried everything: converting purchases to EMI, using the card to its full limit for six months, not using it at all, and various other methods, but the limit hasn't increased. It's strange because other banks are offering me credit limits in lakhs, but HDFC is not increasing my limit even though they keep approving new cards.

I'm confused about how to effectively use these cards with such a low limit. HDFC Bank's policy seems quite odd.

How did u get the tata neu card LTF? I'm only getting FYF. I have Regalia LTF though

 

[Dr.Anand456Dr.Anand456 is verified member.]

How did u get the tata neu card LTF? I'm only getting FYF. I have Regalia LTF though

I’m not entirely sure, but HDFC Bank’s policy seems really odd. I have had a pre-approved, lifetime free card offer in my Tata Neo app for almost a year.

 

[pankaj_ji]

Ye swiggy wale kis basis pe LTF offer kr rhe hain 🥴 mujhe abhi tk nhi diya , jbki swiggy regular use hota hai 😐

Use nhi karna th...ab aap already swiggy use kar rahe ho...to swiggy ka kya fayda.. they are trying to find new people who get struck to swiggy

 

[Chhota Bheem]

Ye swiggy wale kis basis pe LTF offer kr rhe hain 🥴 mujhe abhi tk nhi diya , jbki swiggy regular use hota hai 😐

Order Biryani to Chennai office

 

[helloworld]

Whats the revaluation here? Getting 2 cards in a month?

 

[Dr.Anand456Dr.Anand456 is verified member.]

Whats the revaluation here? Getting 2 cards in a month?

Yes. It's very rare case.

 

[helloworld]

Yes. It's very rare case.

I get that but using words like devaluation or revaluation limited to other topic not for approvals or rejection.

Moreover whatever works for you might not work for another people, in that case its not devaluation and if it works again, its not revaluation.

If possible remove the tag.

Congrats btw.. 👏

 

[Dr.Anand456Dr.Anand456 is verified member.]

I get that but using words like devaluation or revaluation limited to other topic not for approvals or rejection.

Moreover whatever works for you might not work for another people, in that case its not devaluation and if it works again, its not revaluation.

If possible remove the tag.

Congrats btw.. 👏

I know, but I have assigned the tag that I found most suitable. If there had been a better tag available, I would have used that one. And yes, I understand that it's not possible to please everyone, but this is something new that's happening, right? If something happens for the first time, it can be categorized as something different, like a revelation. And if you have a big problem with this tag, you can remove it yourself or ask the admin to do so. I did what I thought was right. That's it.

 

[Deleted member 13981]

Surprisingly, I got approved for two HDFC credit cards in June. I applied for a Tata Neu Plus card a few days ago and got approved. Then, two days ago, I saw that I was eligible for a lifetime free Swiggy credit card through my Swiggy app. I applied for it, and today my application was approved, and my card was issued. Now, I have three HDFC bank credit cards, all of which are lifetime free.

However, there's a problem. My total credit limit is just 23,000 rupees. I got my first HDFC Millennia credit card about two years ago with a 23,000 rupee limit, which has not increased since then. I tried everything: converting purchases to EMI, using the card to its full limit for six months, not using it at all, and various other methods, but the limit hasn't increased. It's strange because other banks are offering me credit limits in lakhs, but HDFC is not increasing my limit even though they keep approving new cards.

I'm confused about how to effectively use these cards with such a low limit. HDFC Bank's policy seems quite odd.

You can get "n" no. of co-branded cards with HDFC. Apply for IOCL & Shoppers Stop and you'll be approved just like that. The problem is they won't easily offer a limit increase or upgrade to your core card. Also with such a low limit, one can not do much. The detrimental effect of having multiple credit accounts in your credit report with such low credit limit is another thing to keep in mind.

 

[purushotham]

Surprisingly, I got approved for two HDFC credit cards in June. I applied for a Tata Neu Plus card a few days ago and got approved. Then, two days ago, I saw that I was eligible for a lifetime free Swiggy credit card through my Swiggy app. I applied for it, and today my application was approved, and my card was issued. Now, I have three HDFC bank credit cards, all of which are lifetime free.

However, there's a problem. My total credit limit is just 23,000 rupees. I got my first HDFC Millennia credit card about two years ago with a 23,000 rupee limit, which has not increased since then. I tried everything: converting purchases to EMI, using the card to its full limit for six months, not using it at all, and various other methods, but the limit hasn't increased. It's strange because other banks are offering me credit limits in lakhs, but HDFC is not increasing my limit even though they keep approving new cards.

I'm confused about how to effectively use these cards with such a low limit. HDFC Bank's policy seems quite odd.

Last year even I got
IOCL and Tata Neu both LTF in same month approved for ₹29000 limit

Now limit increased to 100000

 

[arpit10082]

What's your Equifax credit score

 

[Wealth is my birth right!]

Last year even I got
IOCL and Tata Neu both LTF in same month approved for ₹29000 limit

Now limit increased to 100000

My case not two new
But Regalia card to Regalia gold and new swiggy card both done in july last month
I have tata infinity all 3 have shared limit of 3.9l
Lets see post 6 m any LE

 

[Navi.bhatti]

I think, Swiggy one membership walo ko jyada preference dete hai, sath hi jo daily basis pe swiggy se order kerte hai. In my case, maine swiggy ka one year ka swiggy one membership liya hua hai, kyuki mera bahut jyada order hota hai swiggy se, aur minimum 15 days order ho hi jata hai ek mahine me.

Nhi aisa kuch nhi h main swiggy bohut rarely use krta hu mujhe ajj swiggy LTF ka offer aya hua h limited time ke liye

 

[Dr.Anand456Dr.Anand456 is verified member.]

Nhi aisa kuch nhi h main swiggy bohut rarely use krta hu mujhe ajj swiggy LTF ka offer aya hua h limited time ke liye

Current time me ab waise hi jyadater logo ko lifetime free me mil raha hai, ye suru suru me tha, jo jyada swiggy use kerte the unko hi pahle lifetime free me offer kiya ja raha tha. Aur ye apka bank ke sath me kaisa relationship hai uspe bhi depends kerta hai. Kuch logo ko to abhi bhi ye card lifetime free me nahi mil raha hai.