Getting HDFC regalia on C2C basis.

[lakshmiprasads18]

Hello friends,

I have SECURED INDUSIND EAZYDINER CREDIT CARD with 9 Lakhs Limit which is 1.2 year old. And 6 UNSECURED CARDS. Limit less than 2 lakhs

This is 1st card from HDFC I'm applying.

I want to get regalia or any HDFC CC on C2C Basis and upgrade to DCB card. I need your help and suggestions to get HDFC CC with more than 6+ Lakh limit on C2C basis.

ITR - 12 LAKHS
CIBIL - 792

Please help me with your suggestions!!

 

[Harjeevansingh]

Have similar requirement but need LTF

 

[simplegarv]

Hello friends,

I have SECURED INDUSIND EAZYDINER CREDIT CARD with 9 Lakhs Limit which is 1.2 year old. And 6 UNSECURED CARDS. Limit less than 2 lakhs

This is 1st card from HDFC I'm applying.

I want to get regalia or any HDFC CC on C2C Basis and upgrade to DCB card. I need your help and suggestions to get HDFC CC with more than 6+ Lakh limit on C2C basis.

ITR - 12 LAKHS
CIBIL - 792

Please help me with your suggestions!!

Apply with the Statement of IndusInd Bank as IndusInd doesn't report their card as Secured to the CIBIL so, you can easily get the new DCB Metal via C2C.

P.S : Upvote this as a Solution.

 

[Harjeevansingh]

Apply with the Statement of IndusInd Bank as IndusInd doesn't report their card as Secured to the CIBIL so, you can easily get the new DCB Metal via C2C.

P.S : Upvote this as a Solution.

Any possibility for LTF?

 

[yogobit]

Apply directly for DCB, been offered Regalia Gold since launch with 4.32 lakh limit ltf pre approved didn't take.

 

[simplegarv]

Any possibility for LTF?

In C2C, LTF isn't possible, but you can try with your RM once.

 

[Harjeevansingh]

Apply directly for DCB, been offered Regalia Gold since launch with 4.32 lakh limit ltf pre approved didn't take.

What made you choose paid DCB over LTF regalia? Can you share your usage and any other reasons you considered?

 

[yogobit]

What made you choose paid DCB over LTF regalia? Can you share your usage and any other reasons you considered?

I didn't choose paid DCB, DCB has been hugely devalued, not worth paying. Only amex cards are worth paying. Be strong, keep building your cibil like fort knox, & maintain a salary account with hdfc, you'll be offered a pre approved cc

 

[Harjeevansingh]

I didn't choose paid DCB, DCB has been hugely devalued, not worth paying. Only amex cards are worth paying. Be strong, keep building your cibil like fort knox, & maintain a salary account with hdfc, you'll be offered a pre approved cc

But you said na "Apply directly for DCB, been offered Regalia Gold since launch with 4.32 lakh limit ltf pre approved didn't take.". Then why DCM if regaila gold was LTF?

 

[yogobit]

But you said na "Apply directly for DCB, been offered Regalia Gold since launch with 4.32 lakh limit ltf pre approved didn't take.". Then why DCM if regaila gold was LTF?

Bcoz DCB is not worth paying for but Regalia Gold I won't take even if you pay me. Hdfc gives you mostly one shot at pre approved ltf card & I won't squander it on Regalia

 

[Shadab_1]

While applying for C2C, does it matter if the spend on the existing card is low or high ?

 

[yogobit]

While applying for C2C, does it matter if the spend on the existing card is low or high ?

C2C is not required if bank does a hard pull as it auto fetches the limit on your highest card. Yes utilization matters but its reverse of what others say

 

[lakshmiprasads18]

Apply with the Statement of IndusInd Bank as IndusInd doesn't report their card as Secured to the CIBIL so, you can easily get the new DCB Metal via C2C.

P.S : Upvote this as a Solution.

But the Bangalore main branch credit card agent said till regalia you can make C2C basis. Further cards not available for C2C

 

[cardio_guy]

But the Bangalore main branch credit card agent said till regalia you can make C2C basis. Further cards not available for C2C

Yes same reply for me also. Till regalia only I think we can do LTF c2c

 

[insight]

Hdfc gives you mostly one shot at pre approved ltf card & I won't squander it on Regalia

But the Bangalore main branch credit card agent said till regalia you can make C2C basis. Further cards not available for C2C

From whatever I've read on forums and talking to HDFC contact, the path would be to go for such an LTF card and after a while.. tenure + gambits..

 

[yogobit]

While applying for C2C, does it matter if the spend on the existing card is low or high ?

your utilisation being high + 100% on time payments would be more favorable than low utilization