Applied for LE by sending Payslip and Bank Statement to Chennai Office

[federer.reddevil]

After mailing hdfc for LE with Payslip and Bank Statement they asked mt to print the same and attest them and send it to their famous Chennai office or drop it in dropbox in one of their branches.

Since the limit I have is very less only 50k in HDFC and most of the time I am spending around 25-30k (around 50% utilisation which I know is high and now that I received Swiggy LTF with which it will only increase) i thought its time to send those docs and manually apply for LE rather than waiting for one to arrive.

After printing and attesting the docs I visited the HDFC branch office to put it in the dropbox and asked the CC executive regarding the same. She suggested me to include a letter asking for LE which I attached with these docs.

Now I am waiting for HDFC to provide me with decent enough LE so that my utilisation will be below 25%. I will update how it goes.

Note: Anyone has tried this method and do they know how long it takes for HDFC after sending these docs to provide LE?

 

[panu24]

Can someone confirm here if this way of asking LE creates cibil enquiry?

 

[aniketkr.sharma]

Can someone confirm here if this way of asking LE creates cibil enquiry?

Yes it does a hard cibil hit

 

[federer.reddevil]

I usually dont like to ask for LE but now since I got Swiggy CC I want to move my FK spends from FK Axis to Swiggy so that I can close that as I have 3 Axis cards MyZone, FK and IndianOil already.

I want to get Axis Airtel so would like to close one and now that I got Swiggy there is no use of FK eventhough its LTF. I use IndianOil for all my fuel spends which come to around 15k a month while MyZone I mainly use for ticket booking offer in Paytm and now District app. So thought of closing FK and getting Airtel.

However moving my FK spends of around 15-20k a month to this Swiggy CC with current limit means every month I will be spending 80% of my limit thats why sent all the documents so that they provide a LE as soon as possible

 

[aniketkr.sharma]

I usually dont like to ask for LE but now since I got Swiggy CC I want to move my FK spends from FK Axis to Swiggy so that I can close that as I have 3 Axis cards MyZone, FK and IndianOil already.

I want to get Axis Airtel so would like to close one and now that I got Swiggy there is no use of FK eventhough its LTF. I use IndianOil for all my fuel spends which come to around 15k a month while MyZone I mainly use for ticket booking offer in Paytm and now District app. So thought of closing FK and getting Airtel.

However moving my FK spends of around 15-20k a month to this Swiggy CC with current limit means every month I will be spending 80% of my limit thats why sent all the documents so that they provide a LE as soon as possible

Hope you will get better LE, I never recieved better LE from manual LE request, one time they were giving 72k and another time 51k, I rejected both

 

[federer.reddevil]

Hope you will get better LE, I never recieved better LE from manual LE request, one time they were giving 72k and another time 51k, I rejected both

For me even even if it becomes 1.25L from current 50K I will take it just require it to be above 1.2L thats all

Icici has given 6L while IndusInd gave 5L Kotak SBI and RBL with 2L+ dont know whats wrong with HDFC

 

[aniketkr.sharma]

For me even even if it becomes 1.25L from current 50K I will take it just require it to be above 1.2L thats all

Icici has given 6L while IndusInd gave 5L Kotak SBI and RBL with 2L+ dont know whats wrong with HDFC

They never care other banks unless they see a business in it,
Depends on your take home salary totally in hdfc for manual LE

 

[federer.reddevil]

They never care other banks unless they see a business in it,
Depends on your take home salary totally in hdfc for manual LE

We will wait and see how much they provide

 

[federer.reddevil]

Okey got a mail an hour back and they increased limit to 1L double of previous 50K

 

[aniketkr.sharma]

Okey got a mail an hour back and they increased limit to 1L double of previous 50K

Congratulations bro 🎊

 

[federer.reddevil]

Congratulations bro 🎊

Thanks so much

 

[realjayt]

I will try this too