curios_mind_huh
TF Select
I opened a salary account with HDFC 6 months ago in April, purely because I wanted to get a LTF card from them. I earn 1.4L in hand and went ahead with the card application. The mistake I did was I didn't go ahead for the application in branch since they asked me to wait for 3 months before application. Somebody from HDFC called and I completed the application with their help. No income documents were asked and I got a Millennia Diners card LTF issued in April 2023.
The problem was it had a very low credit limit of 59k. I wanted this card primarily for sale offers and didn't spend much apart from 1-2k every month. I raised a credit enhancement request both via escalation email and form in branch along with payslips in July 2023. They replied with a huge email with jargon words that me being a "valued customer" and all. Basically, rejected the request because of bank policy.
So, I waited another 3 months and applied for the limit increase two weeks back with the branch again. It's been rejected again without any solid reason and when I dived deep with a credit card agent in HDFC, they offered me two solutions:
Why the heck can't HDFC offer the limit enhancement now based on payslips, if they promise they'll do the same for a new card? And Is there any better way to go about asking for a limit increase?
I was thinking of attaching my payslips to pno one final time with an empty threat that I'll close the card if they don't budge. Any better ideas?
The problem was it had a very low credit limit of 59k. I wanted this card primarily for sale offers and didn't spend much apart from 1-2k every month. I raised a credit enhancement request both via escalation email and form in branch along with payslips in July 2023. They replied with a huge email with jargon words that me being a "valued customer" and all. Basically, rejected the request because of bank policy.
So, I waited another 3 months and applied for the limit increase two weeks back with the branch again. It's been rejected again without any solid reason and when I dived deep with a credit card agent in HDFC, they offered me two solutions:
- Use my card upto 70% limit every month for next 6 months and I MIGHT get a limit enhancement offer. This was not a ironclad promise as well.
- Close the current card. Wait for 3 months. Then apply again in branch for a new credit card along with payslips. They promise that going this way I'll get a increased credit limit. But I'm not sure if I'll get the Millennia card LTF if I take this route. I don't want to settle for Regalia or Diners Privilege card.
Why the heck can't HDFC offer the limit enhancement now based on payslips, if they promise they'll do the same for a new card? And Is there any better way to go about asking for a limit increase?
I was thinking of attaching my payslips to pno one final time with an empty threat that I'll close the card if they don't budge. Any better ideas?
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