Business Moneyback credit card limit enhancement and upgrade

[Abdullāh Khān]

Hello everyone

My credit history began in July/23 and I was offered Business M.B CC as my first card (the others being CSC, and other cr*p) and I excitedly accepted it as it was my first CC offering. I have a current and savings account with them, current is already in the classic program.

Got a limit of 1L, and have been using the card regularly, their annual waiver req (50k) I spent
/spend in one quarter, but still, I haven't gotten a single limit enhancement offers, or worse I wasn't aware how "good" this card is, then.

Is there any way that I can convince them to issue me a Milennia instead of this cr*p, or am I stuck with this? It's a tier 3 city and here nobody cares enough about all of this.
I have no other CCs from any other bank. Suggest me the best course of action, as I'm still new into the CC game. 🙂

Thanks in advance to everyone.

 

[RkrRkr is verified member.]

There is no straight way to get LE but use your card frequently for shopping from amazon, flipkart or other platforms and even you can atleast give try to their EMI.

Though nothing is still sureshot to get LE.But somehow it works.

 

[Abdullāh Khān]

There is no straight way to get LE but use your card frequently for shopping from amazon, flipkart or other platforms and even you can atleast give try to their EMI.

Though nothing is still sureshot to get LE.But somehow it works.

I am using it frequently for Amazon surely, paying utility bills (elec, recharge), doing wifi recharge, and all sorts of ecommerce transactions.

I might need a LE atleast in 6 months because I'm at my current rate spending the same as their fee waiver requirement amount every quarter, and also the fact that 100% expenses are all personal. :/

 

[RkrRkr is verified member.]

I am using it frequently for Amazon surely, paying utility bills (elec, recharge), doing wifi recharge, and all sorts of ecommerce transactions.

I might need a LE atleast in 6 months because I'm at my current rate spending twice of the fee waiver requirement amount, and also the fact that 100% expenses are all personal. :/

Then better try sending forms for mannual LE to HDFC Chennai Card division address.They will honour if everything seems as per their TnC.

 

[Abdullāh Khān]

Then better try sending forms for mannual LE to HDFC Chennai Card division address.They will honour if everything seems as per their TnC.

I have sent emails to both grievance redressal and escalation cc emails of theirs, hoping for the best. If nothing comes out of it, I'll try the Chennai office route, thanks for the help @Rkr

 

[NShah]

I have sent emails to both grievance redressal and escalation cc emails of theirs, hoping for the best. If nothing comes out of it, I'll try the Chennai office route, thanks for the help @Rkr

You can ask upgrade to Millenia cc they will upgrade

 

[Abdullāh Khān]

You can ask upgrade to Millenia cc they will upgrade

I have mentioned that I'm doing only personal expenses with it, in the mail. Hopefully they will pay heed, and get me out of this cr*p, as there's only business regalia I can upgrade to, from this.

 

[SSV]

Hello everyone

My credit history began in July/23 and I was offered Business M.B CC as my first card (the others being CSC, and other cr*p) and I excitedly accepted it as it was my first CC offering. I have a current and savings account with them, current is already in the classic program.

Got a limit of 1L, and have been using the card regularly, their annual waiver req (50k) I spent
/spend in one quarter, but still, I haven't gotten a single limit enhancement offers, or worse I wasn't aware how "good" this card is, then.

Is there any way that I can convince them to issue me a Milennia instead of this cr*p, or am I stuck with this? It's a tier 3 city and here nobody cares enough about all of this.
I have no other CCs from any other bank. Suggest me the best course of action, as I'm still new into the CC game. 🙂

Thanks in advance to everyone.

Unfortunately, you were stuck in vicious cycle of one of the worst credit card journeys in any country, I think..
Pathetic..
You almost suits the typical case of what HDFC wants from it's newly acquired customers..

Recommendation:
1) get some other banks CC to suit your spend
2) close hdfc card
3) wait for better offers from hdfc. .

More later

 

[rockyBalboa]

I have mentioned that I'm doing only personal expenses with it, in the mail. Hopefully they will pay heed, and get me out of this cr*p, as there's only business regalia I can upgrade to, from this.

Following this thread. Are they ready to provide you Business Regalia? Please post the outcome of your request when you hear from them, as there are many in the same boat including myself.

 

[Abdullāh Khān]

Following this thread. Are they ready to provide you Business Regalia? Please post the outcome of your request when you hear from them, as there are many in the same boat including myself.

I haven't got any offers for Biz Reg yet, I meant only that's the card I can upgrade to, in "business" cards section. For now I'm trying to steer away from this asap, and get a Milennia :/

 

[Pack_of_Cards]

Hello everyone
My credit history began in July/23 and I was offered Business M.B CC as my first card (the others being CSC, and other cr*p) and I excitedly accepted it as it was my first CC offering. I have a current and savings account with them, current is already in the classic program.
I have no other CCs from any other bank. Suggest me the best course of action, as I'm still new into the CC game. 🙂

Welcome to the TF and not so welcomed to HDFC (going by the cursed card you hold).
Since you are new to CC and I presume to H-D-F-C blunder.
Go through following threads. Drink water in between and I am sure by the time you finish reading the threads you yourself will become HDFC CC expert.

Hdfc Limit increase

I got 20k iocl cc from hdfc 6 month old . If i provide them with 5 lakh itr . Self employed Will they increase my limit ? & Upto how much

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Limit Increase in HDFC Credit Card

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Hello, I had applied for a HDFC regalia card, today I received a message that my card was approved and it turned out to be IOCL Instant credit card. Now I don’t understand what the hell is IOCL instant card, and how did I end up with it? Also the credit limit is horrendously low. My previous...

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[SSV]

Welcome to the TF and not so welcomed to HDFC (going by the cursed card you hold).
Since you are new to CC and I presume to H-D-F-C blunder.
Go through following threads. Drink water in between and I am sure by the time you finish reading the threads you yourself will become HDFC CC expert.

Hdfc Limit increase

I got 20k iocl cc from hdfc 6 month old . If i provide them with 5 lakh itr . Self employed Will they increase my limit ? & Upto how much

www.technofino.in

HDFC Credit Card - Credit Limit Increase

Received an offer for increase in the credit limit from HDFC in view of the festival season I guess . Decent limit increase in my Regalia. From 3.55L to 4.26L, an increase of exactly 20%. Other members also check for the limit increase offers.

www.technofino.in

Limit Increase in HDFC Credit Card

Hello Guys My HDFC card is given behalf of Pre Approved with Limit 50k on 19Jun 2023 but i want to increase my Credit Card limit because I have already High limit credit card For Example: Kotak Credit Card with 110k limit and Similarly Axis with 110k limit. Please give me guide all possible...

www.technofino.in

Hdfc not increasing limit

I got hdfc money back card almost 2 yesrs ago with 40k limit.. Never got limited enhancement offer..what to do guys... suggest me

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Hi, I have hdfc titanium times credit card with limit of 1 lac rs. I want upgraded credit card with limit enhancement. I emailed them my income documents based on which they agreed for limit enhancement. But they said unable to provide Infinia metal credit card. Please suggest me which other...

www.technofino.in

HDFC CC not offering Upgrade or Limit Enhancement

My takehome salary: >2L Relationship with HDFC Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account) Normal savings accounts for both my parents Locker in hometown HDFC Ergo (term insurance) Existing cards - Limits...

www.technofino.in

HDFC Applied for Credit Card Fraud

Hey Folks, Today Morning, My Dad received a SMS from HDFC regarding Credit Card application status. Check screenshot below: But my Dad has never applied for any credit card via Branch (never visited branch) or Net banking (he doesn't have access). FYI - He has savings account in HDFC. 1. How...

www.technofino.in

Why HDFC is so dual faced ? 🤷

Seriously frustrated from HDFC, They issued Business Money back card with 40k limit... For Millenia they want ITR 🤷 I sent them Card Statements for C2C method...and they are not agreeing... But if i will cancel my cards and will apply fresh by card to card method they will issue Millenia/...

www.technofino.in

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www.technofino.in

HDFC Credit Card LTF issue

So Lately HDFC has been spaming me with LTF offer with Money back plus CC. I got a lot of Messages, WhatsApp and Mails with LTF offer, at Net banking as well it said LTF. So after I applied for the same, but now they're saying it's a "price card". I feel cheated. It even showed only for you...

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www.technofino.in

What’s this HDFC scam?

Hello, I had applied for a HDFC regalia card, today I received a message that my card was approved and it turned out to be IOCL Instant credit card. Now I don’t understand what the hell is IOCL instant card, and how did I end up with it? Also the credit limit is horrendously low. My previous...

www.technofino.in

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So I applied for HDFC DCP card. I already Tata Neu Infinity and Virtual Rupay card but not any core credit card. I had Times card but closed it around 8-9 months as I wanted a better card in future. But the application got declined stating I already have a HDFC card. I had applied earlier too...

www.technofino.in

and he can open a CC consultancy business as well

 

[RkrRkr is verified member.]

Welcome to the TF and not so welcomed to HDFC (going by the cursed card you hold).
Since you are new to CC and I presume to H-D-F-C blunder.
Go through following threads. Drink water in between and I am sure by the time you finish reading the threads you yourself will become HDFC CC expert.

Hdfc Limit increase

I got 20k iocl cc from hdfc 6 month old . If i provide them with 5 lakh itr . Self employed Will they increase my limit ? & Upto how much

www.technofino.in

HDFC Credit Card - Credit Limit Increase

Received an offer for increase in the credit limit from HDFC in view of the festival season I guess . Decent limit increase in my Regalia. From 3.55L to 4.26L, an increase of exactly 20%. Other members also check for the limit increase offers.

www.technofino.in

Limit Increase in HDFC Credit Card

Hello Guys My HDFC card is given behalf of Pre Approved with Limit 50k on 19Jun 2023 but i want to increase my Credit Card limit because I have already High limit credit card For Example: Kotak Credit Card with 110k limit and Similarly Axis with 110k limit. Please give me guide all possible...

www.technofino.in

Hdfc not increasing limit

I got hdfc money back card almost 2 yesrs ago with 40k limit.. Never got limited enhancement offer..what to do guys... suggest me

www.technofino.in

Help regarding HDFC credit card limit enhancement and upgrade

Hi, I have hdfc titanium times credit card with limit of 1 lac rs. I want upgraded credit card with limit enhancement. I emailed them my income documents based on which they agreed for limit enhancement. But they said unable to provide Infinia metal credit card. Please suggest me which other...

www.technofino.in

HDFC CC not offering Upgrade or Limit Enhancement

My takehome salary: >2L Relationship with HDFC Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account) Normal savings accounts for both my parents Locker in hometown HDFC Ergo (term insurance) Existing cards - Limits...

www.technofino.in

HDFC Applied for Credit Card Fraud

Hey Folks, Today Morning, My Dad received a SMS from HDFC regarding Credit Card application status. Check screenshot below: But my Dad has never applied for any credit card via Branch (never visited branch) or Net banking (he doesn't have access). FYI - He has savings account in HDFC. 1. How...

www.technofino.in

Why HDFC is so dual faced ? 🤷

Seriously frustrated from HDFC, They issued Business Money back card with 40k limit... For Millenia they want ITR 🤷 I sent them Card Statements for C2C method...and they are not agreeing... But if i will cancel my cards and will apply fresh by card to card method they will issue Millenia/...

www.technofino.in

Infinia - Experience with Infinia Upgrade

Hi Everyone , Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others . Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit...

www.technofino.in

HDFC Credit Card LTF issue

So Lately HDFC has been spaming me with LTF offer with Money back plus CC. I got a lot of Messages, WhatsApp and Mails with LTF offer, at Net banking as well it said LTF. So after I applied for the same, but now they're saying it's a "price card". I feel cheated. It even showed only for you...

www.technofino.in

Millennia - hdfc credit card application

I applied for HDFC Neu Credit card via neu application . It was in process for almost 1 weeks and then declined. After multiple follow ups & escalation bank agreed to reverify address which earlier verifier had messed up. Home address verification happened and office address verification...

www.technofino.in

What’s this HDFC scam?

Hello, I had applied for a HDFC regalia card, today I received a message that my card was approved and it turned out to be IOCL Instant credit card. Now I don’t understand what the hell is IOCL instant card, and how did I end up with it? Also the credit limit is horrendously low. My previous...

www.technofino.in

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So I applied for HDFC DCP card. I already Tata Neu Infinity and Virtual Rupay card but not any core credit card. I had Times card but closed it around 8-9 months as I wanted a better card in future. But the application got declined stating I already have a HDFC card. I had applied earlier too...

www.technofino.in

Bus kar bhai...Rulayega kya..🤪🤪🫡🫡💯💯

 

[Pack_of_Cards]

Bus kar bhai...Rulayega kya..🤪🤪🫡🫡💯💯

Sir aap server increase karo community k TF crash ho jayega ek din HDFC threads se.

 

[RkrRkr is verified member.]

Sir aap server increase karo community k TF crash ho jayega ek din HDFC threads se.

Things are improving day by day..And journey continues.

 

[Abdullāh Khān]

Unfortunately, you were stuck in vicious cycle of one of the worst credit card journeys in any country, I think..
Pathetic..
You almost suits the typical case of what HDFC wants from it's newly acquired customers..

Recommendation:
1) get some other banks CC to suit your spend
2) close hdfc card
3) wait for better offers from hdfc. .

More later

Yeah I was not CC savvy when I got offered the card, and didn't know of this community either.

I am thinking to get a second card from some other bank yes, I also am seeing a virtual UPI credit card on my savings account netbanking but it is a virtual one. Is it possible to upgrade to a better card in the future with this "second card"!?

 

[Abdullāh Khān]

Bus kar bhai...Rulayega kya..🤪🤪🫡🫡💯💯

Ro sirf mai raha hu bhai 💀

 

[SSV]

Is it possible to upgrade to a better card in the future with this "second card"!?

No . .

 

[Abdullāh Khān]

No . .

Kahan phans gaya bhai ye 😭

 

[Abdullāh Khān]

Welcome to the TF and not so welcomed to HDFC (going by the cursed card you hold).
Since you are new to CC and I presume to H-D-F-C blunder.
Go through following threads. Drink water in between and I am sure by the time you finish reading the threads you yourself will become HDFC CC expert.

Hdfc Limit increase

I got 20k iocl cc from hdfc 6 month old . If i provide them with 5 lakh itr . Self employed Will they increase my limit ? & Upto how much

www.technofino.in

HDFC Credit Card - Credit Limit Increase

Received an offer for increase in the credit limit from HDFC in view of the festival season I guess . Decent limit increase in my Regalia. From 3.55L to 4.26L, an increase of exactly 20%. Other members also check for the limit increase offers.

www.technofino.in

Limit Increase in HDFC Credit Card

Hello Guys My HDFC card is given behalf of Pre Approved with Limit 50k on 19Jun 2023 but i want to increase my Credit Card limit because I have already High limit credit card For Example: Kotak Credit Card with 110k limit and Similarly Axis with 110k limit. Please give me guide all possible...

www.technofino.in

Hdfc not increasing limit

I got hdfc money back card almost 2 yesrs ago with 40k limit.. Never got limited enhancement offer..what to do guys... suggest me

www.technofino.in

Help regarding HDFC credit card limit enhancement and upgrade

Hi, I have hdfc titanium times credit card with limit of 1 lac rs. I want upgraded credit card with limit enhancement. I emailed them my income documents based on which they agreed for limit enhancement. But they said unable to provide Infinia metal credit card. Please suggest me which other...

www.technofino.in

HDFC CC not offering Upgrade or Limit Enhancement

My takehome salary: >2L Relationship with HDFC Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account) Normal savings accounts for both my parents Locker in hometown HDFC Ergo (term insurance) Existing cards - Limits...

www.technofino.in

HDFC Applied for Credit Card Fraud

Hey Folks, Today Morning, My Dad received a SMS from HDFC regarding Credit Card application status. Check screenshot below: But my Dad has never applied for any credit card via Branch (never visited branch) or Net banking (he doesn't have access). FYI - He has savings account in HDFC. 1. How...

www.technofino.in

Why HDFC is so dual faced ? 🤷

Seriously frustrated from HDFC, They issued Business Money back card with 40k limit... For Millenia they want ITR 🤷 I sent them Card Statements for C2C method...and they are not agreeing... But if i will cancel my cards and will apply fresh by card to card method they will issue Millenia/...

www.technofino.in

Infinia - Experience with Infinia Upgrade

Hi Everyone , Like others I too struggled a lot to get Inifinia FYF from DCB LTF. I wanted to share my overall experience with the whole process and journey , It might be useful to others . Sent mails to Grievance.Redressalcc@hdfcbank.com , but they rejected saying my existing credit...

www.technofino.in

HDFC Credit Card LTF issue

So Lately HDFC has been spaming me with LTF offer with Money back plus CC. I got a lot of Messages, WhatsApp and Mails with LTF offer, at Net banking as well it said LTF. So after I applied for the same, but now they're saying it's a "price card". I feel cheated. It even showed only for you...

www.technofino.in

Millennia - hdfc credit card application

I applied for HDFC Neu Credit card via neu application . It was in process for almost 1 weeks and then declined. After multiple follow ups & escalation bank agreed to reverify address which earlier verifier had messed up. Home address verification happened and office address verification...

www.technofino.in

What’s this HDFC scam?

Hello, I had applied for a HDFC regalia card, today I received a message that my card was approved and it turned out to be IOCL Instant credit card. Now I don’t understand what the hell is IOCL instant card, and how did I end up with it? Also the credit limit is horrendously low. My previous...

www.technofino.in

How not to get HDFC new netbanking UI?

How we can get new HDFC netbanking UI?

www.technofino.in

HDFC card declined

So I applied for HDFC DCP card. I already Tata Neu Infinity and Virtual Rupay card but not any core credit card. I had Times card but closed it around 8-9 months as I wanted a better card in future. But the application got declined stating I already have a HDFC card. I had applied earlier too...

www.technofino.in

Damn thank you so much man for the concern and help, I have seen a few of them, but others I'll check surely :/ I feel extremely stuck at this point.

Would you suggest me to give them a "threat" or to close this dogshiz card, but I heard closing a core card is really bad?