Offer Fulfilled! Credit limit enhancement beyond expectations

kanhaiyabsy · 2025-01-19T15:02:34+0530

"Hi, I applied for the HDFC Millennia Credit Card two years ago, using Amazon Pay with a credit limit (C2C) of ₹2.2L. Initially, I was assigned a credit limit of ₹31,000, which was automatically enhanced to ₹62,000 eight months ago. Recently, I requested a limit increase, providing my pay slip (₹1.1L) and ITR (₹12L), and my limit was enhanced to ₹2.3L just last week. However, I accidentally checked my account today and was surprised to see that my primary card limit has been increased to ₹50L and my RuPay virtual credit card limit to ₹20L."

How is it possible? (Is it due to Technical problem)

Will bank

take it back ?

sidp · 2025-01-19T19:32:47+0530

kanhaiyabsy said:
How is it possible? (Is it due to Technical problem)

Will bank take it back ?

Definitely a technical glitch. They will reverse it. Sadly it was 1 day too late. Else you could have rotated 50L theough slice. @Vasuki did 5L. 🤣

sidp · 2025-01-19T19:34:30+0530

kanhaiyabsy said:
That's my target but what about spend based criteria I rarely use 10-15k every month, recently opened salary account with HDFC.
Please guide me further

Don't do that. Once they review your profile, they'll realize their mistake.

cardio_guy · 2025-01-19T19:41:41+0530

It's a glitch. Even I had got a limit of 11.72L from 1.52L for one day, next day they rectified it.

Ashuaj · 2025-01-19T19:48:35+0530

kanhaiyabsy said:
"Hi, I applied for the HDFC Millennia Credit Card two years ago, using Amazon Pay with a credit limit (C2C) of ₹2.2L. Initially, I was assigned a credit limit of ₹31,000, which was automatically enhanced to ₹62,000 eight months ago. Recently, I requested a limit increase, providing my pay slip (₹1.1L) and ITR (₹12L), and my limit was enhanced to ₹2.3L just last week. However, I accidentally checked my account today and was surprised to see that my primary card limit has been increased to ₹50L and my RuPay virtual credit card limit to ₹20L."

How is it possible? (Is it due to Technical problem)

Will bankView attachment 81043

View attachment 81044 View attachment 81045 View attachment 81046 take it back ?

Bruh how you got can you share wht you you did to get this limit and how much your cibil score

Ashuaj · 2025-01-19T19:52:51+0530

kanhaiyabsy said:
No bro. I want to hold this credit limit

Bhai kya kya steps follow keya bhai thune uthna limit dedeya 50 lakhs ka meko bi banna hy bhi limit share karo bhi kaisa hy ki

gunnerTH · 2025-01-19T20:24:03+0530

I don't know what problem HDFC has with me, I have millennia from 3 years now but never got a limit enhancement since then... Still at 1.6L from the start. I have moderate use of it. Tried mailing them but they asked to send physical documents to chennai in this digital aged so I didn't send it.

RadTheCrab · 2025-01-19T20:45:22+0530

gunnerTH said:
I don't know what problem HDFC has with me, I have millennia from 3 years now but never got a limit enhancement since then... Still at 1.6L from the start. I have moderate use of it. Tried mailing them but they asked to send physical documents to chennai in this digital aged so I didn't send it.

Insist on sending the documents via email. Highly likely that they'll agree. Asking to send the docs to Chennai is their default response but nowadays they are accepting the docs online (via email) upon customer's request. I did the same for upgrading from MB+ to Millennia.

techstrom007 · 2025-01-19T20:55:18+0530

Probably highest limit on millennia in HDFC records 🤣

drvirag · 2025-01-19T21:09:13+0530

itni limit k liye kya karna hota hai bhai. Mujhe to Yaad b nhi last time le offer kab aaya tha hdfc se despite dis is my oldest card around 20 yr old.

imrtbpsp · 2025-01-19T21:19:13+0530

Brother, does any relative work in the back end team?

kuchbhi · 2025-01-19T22:02:31+0530

> > > > > > > @HumorSimpson 's

aniketkr.sharma · 2025-01-19T22:03:45+0530

drvirag said:
itni limit k liye kya karna hota hai bhai. Mujhe to Yaad b nhi last time le offer kab aaya tha hdfc se despite dis is my oldest card around 20 yr old.

Still you will be better than mine as only having 1.05 lakhs on Regalia Gold and Tata neu infinity

kanhaiyabsy · 2025-01-19T22:04:00+0530

It was technical glitch, they rolled back, now it's 2.3L(officered limit)

Requested credit limit enhancement by send payment slip and ITR to Cards Services customerservices.cards@hdfcbank.com
They refused then I forwarded it to grievance redressal of HDFC using ICICI cc 2.6L , axis 2.87L ,payslip and ITR. Then they offered 2.3L.

Conclusion It was technical glitch 🥲

aniketkr.sharma · 2025-01-19T22:06:00+0530

kanhaiyabsy said:
It was technical glitch, they rolled back, now it's 2.3L(officered limit)

Requested credit limit enhancement by send payment slip and ITR to Cards Services customerservices.cards@hdfcbank.com
They refused then I forwarded it to grievance redressal of HDFC using ICICI cc 2.6L , axis 2.87L ,payslip and ITR. Then they offered 2.3L.

Conclusion It was technical glitch 🥲

Seriously bro, they rolled back? as i didn't get my limit back

kuchbhi · 2025-01-19T22:22:57+0530

kanhaiyabsy said:
It was technical glitch, they rolled back, now it's 2.3L(officered limit)

Requested credit limit enhancement by send payment slip and ITR to Cards Services customerservices.cards@hdfcbank.com
They refused then I forwarded it to grievance redressal of HDFC using ICICI cc 2.6L , axis 2.87L ,payslip and ITR. Then they offered 2.3L.

Conclusion It was technical glitch 🥲

write a mail to pno stating all the facts lets see what replies they've got for you :hehe:

thoda maza ham bhi karein bank ke sath what say 🪓 😛😈

aniketkr.sharma · 2025-01-19T22:27:20+0530

kuchbhi said:
write a mail to pno stating all the facts lets see what replies they've got for you
thoda maza ham bhi karein bank ke sath what say 🪓 😛😈

Yeah mera limit km kiya prso avi tk fix ni hua hai

imrtbpsp · 2025-01-19T22:27:44+0530

kanhaiyabsy said:
It was technical glitch, they rolled back, now it's 2.3L(officered limit)

Requested credit limit enhancement by send payment slip and ITR to Cards Services customerservices.cards@hdfcbank.com
They refused then I forwarded it to grievance redressal of HDFC using ICICI cc 2.6L , axis 2.87L ,payslip and ITR. Then they offered 2.3L.

Conclusion It was technical glitch 🥲

In my opinion you should have spent a large amount from it. At least as much as you wanted the card limit. Then maybe the system would not have been able to roll back the limit. By the way, I have got a lot of relief now, otherwise I was feeling very jealous. 😀

aniketkr.sharma · 2025-01-19T22:29:30+0530

imrtbpsp said:
In my opinion you should have spent a large amount from it. At least as much as you wanted the card limit. Then maybe the system would not have been able to roll back the limit. By the way, I have got a lot of relief now, otherwise I was feeling very jealous. 😀

You haven't suffered that glitch, I suffered it now i need compensation

kuchbhi · 2025-01-19T22:30:40+0530

aniketkr.sharma said:
You haven't suffered that glitch, I suffered it now i need compensation

paisa chaiye ehh hee 😈

Jeevan rao · 2025-01-19T22:31:57+0530

imrtbpsp said:
In my opinion you should have spent a large amount from it. At least as much as you wanted the card limit. Then maybe the system would not have been able to roll back the limit.

Isn't this extremely risky?
Incase the user had done this & the bank rolled back the error, the credit utilization ratio would go through the roof & inturn screw the cibil?

Offer Fulfilled! Credit limit enhancement beyond expectations

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