Business Moneyback credit card limit enhancement and upgrade

[Pack_of_Cards]

Your advice was also pretty helpful so I'm grateful to you too 🤌🏻
And no this is not a FD based card, they I believe offer it to self employed people only, maybe me having a current account also triggered the recommendation. Bamboo kar kay hi azaadi mili is kabaad say 💀

Thanks... happy that I was able to help.

 

[aadi]

You can try... but hard to convert without any document, but as @Abdullāh Khān told no harm in trying, anything is possible. By the way curious to know how did you got the business moneyback CC in first place if you don't have a salary or business, is it a FD backed card? just asking, maybe then we can help you better.

Yeah, i sent a new request to the cc escalation team as of now. The business moneyback was pre approved. I do little bit of freelancing through which i get paid like 200-400$ in like 5-6 months depending upon projects. I never mentioned business but in pre approved I got it. Initially i had no idea about cc and i got trapped into this business moneyback.

 

[aadi]

Which team? Grievance redressal? You gotta make a way around it, and seems like your best bet is to wait for pre approved offers. Try depositing 1L+ in your account for some time (if possible) do some eCommerce spends, like fashion sites etc so that they algo gets a hint that you are young, pay some bills and wait I believe, as they will take some income document for sure, or let this "ticket" go and raise a new one and expect a different agent handling your case.

it was grievance redressal team, this ticket was raised more than a month ago. I raised a new one yesterday. I already do e-commerce spends and paid all the bills in time for about 15+ months now. I will try this 1L deposit thing and see how it goes. but i can't keep it for more than a week so that's the thing.

 

[Abdullāh Khān]

it was grievance redressal team, this ticket was raised more than a month ago. I raised a new one yesterday. I already do e-commerce spends and paid all the bills in time for about 15+ months now. I will try this 1L deposit thing and see how it goes. but i can't keep it for more than a week so that's the thing.

Maybe try changing your status from self employed to salaried in the profile. Although the 1L thing is just a hit or miss, in my case I used to get 40K limit early on, then it changed to 1L after I got into classic programme. What you could have done is to negotiate using this money while opening your account for Milennia atleast and leverage it. Later on you could have shifted the money back after getting the card

 

[Abdullāh Khān]

After mail last thing is send doc to Chennai ..so better send before mail harrasment

Daak sahab aapki kya salaah hay, kya karun? 😭 Kahne ko to 22% hay par 22K hota hi kya hay

 

[aadi]

Maybe try changing your status from self employed to salaried in the profile. Although the 1L thing is just a hit or miss, in my case I used to get 40K limit early on, then it changed to 1L after I got into classic programme. What you could have done is to negotiate using this money while opening your account for Milennia atleast and leverage it. Later on you could have shifted the money back after getting the card

My status I have updated as salaried only. Though I got a reply today saying that we will look into your concern and provide a solution before 19th Feb. Let's see what they got to say this time.

 

[Abdullāh Khān]

My status I have updated as salaried only. Though I got a reply today saying that we will look into your concern and provide a solution before 19th Feb. Let's see what they got to say this time.

The same time frame I too have gotten 😭 let's see, they gave me a meagre LE of 22K after mailing but haven't replied about it yet so waiting for that too

 

[Vasuki]

Daak sahab aapki kya salaah hay, kya karun? 😭 Kahne ko to 22% hay par 22K hota hi kya hay

So u got pre approved offer?
Or u got offer after email ! & Did they mention ..
If not then your pre approved was in pipeline & email guy pushed it for you

 

[Rahul Gupta]

Daak sahab aapki kya salaah hay, kya karun? 😭 Kahne ko to 22% hay par 22K hota hi kya hay

Bro i got just 11k increase and its not even 5% of my limit. Hdfc is weird sometimes.

 

[Abdullāh Khān]

So u got pre approved offer?
Or u got offer after email ! & Did they mention ..
If not then your pre approved was in pipeline & email guy pushed it for you

Not sure if it was pretty approved or not, I have been in an email chain with them since 2 weeks, currently it was on lvl 1 (escalation cc) which had promised me on 9th Feb to reply by 19th Feb (they haven't yet).
I did get the offer after emailing. I'll attach screenshot of their last reply.

 

[Abdullāh Khān]

Bro i got just 11k increase and its not even 5% of my limit. Hdfc is weird sometimes.

11K increase, it's a shame man.😬 I expected atleast 30-40K for myself lol.

 

[SSV]

Bro i got just 11k increase and its not even 5% of my limit. Hdfc is weird sometimes.

Slight correction ..
HDRC is weird most of the times!!

 

[Vasuki]

Not sure if it was pretty approved or not, I have been in an email chain with them since 2 weeks, currently it was on lvl 1 (escalation cc) which had promised me on 9th Feb to reply by 19th Feb (they haven't yet).
I did get the offer after emailing. I'll attach screenshot of their last reply.

Hdfc no matter how much they say they understand
At end of day they will ask for itr/salary slip . Then u will send them via email

They will say post to Chennai.

Or if u have RM they will get it approved for you ( if they are knowledgeable)

 

[Abdullāh Khān]

Hdfc no matter how much they say they understand
At end of day they will ask for itr/salary slip . Then u will send them via email

They will say post to Chennai.

Or if u have RM they will get it approved for you ( if they are knowledgeable)

What's the catch in the RM thing? What do they expect in return? Target poora karne ki baat ho to March mey lapet loon usko balance maintain karne ki dhamki de kar? 😻

 

[Vasuki]

What's the catch in the RM thing? What do they expect in return? Target poora karne ki baat ho to March mey lapet loon usko balance maintain karne ki dhamki de kar? 😻

Fd might work with sweep in facility but they can't do much .
Above 1 lakh limit u will get 1-2 small increase then a big increase but will take 1-2 yr 😁.
Hdfc ain't icici in l.e

 

[Rahul Gupta]

Slight correction ..
HDRC is weird most of the times!!

They were good to me. However this is really shamefull. Btw should i accept this so called offer or let it be.

 

[SSV]

They were good to me. However this is really shamefull. Btw should i accept this so called offer or let it be.

Leave it .

 

[Abdullāh Khān]

Fd might work with sweep in facility but they can't do much .
Above 1 lakh limit u will get 1-2 small increase then a big increase but will take 1-2 yr 😁.
Hdfc ain't icici in l.e

Saala mere ko itna chota diya 😭 ab I'm thinking to accept this and reapply for another increase around June, when I'm done with ITR filing etc and all, worth the shot?

 

[Abdullāh Khān]

Leave it .

Aur mera 22K ka increase? 🥲 Take or leave?

 

[SSV]

Aur mera 22K ka increase? 🥲 Take or leave?

Depending upon your planned spends in the next quarter/ 2 quarters..
If you are planning decent spends leave it.
If you are not going to spend much .. take it..