Hdfc Bank credit limit upgrade offer.

[Shoxie]

So, I've been using milliniea for the past 7 months. Wrote them for a credit limit increase last Month and they denied the request. Escalations also didn't work, even though I had credit limit of 1.5L from other banks.

My credit limit was only 20k, which is only of the lowest for Millennia credit card. Since then, started maintaining 50k in the account and have increased my spends in the card will spend 1l in the current quarter, have spent approximately 60k from start of the year.

I've now received an offer to upgrade my Credit limited to 40k only, which is also very low. So my question is, should I wait for at least another month, spend more than 1L in the quarter, and then reach write an email for manual CL Enhancement? Will that work? Or they'll still offer me only 40k?

Also, if I accept the CL enhancement now, how long does it take for HDFC to offer another CLI? Is it 6 months cooldown like in Axis and SBI?

P.s. My salary doesn't match the requirement of 35k pm and I applied and got this card on C2C basis. I posted this considering this is a specific case, I tried searching and didn't get any results similar to this

 

[deep@vie]

Then they might even decrease your limit...

That's probably why you don't get CLI?

Yes, could be one reason but don't have enough limt here to use.

 

[thewittypanda]

So, I've been using milliniea for the past 7 months. Wrote them for a credit limit increase last Month and they denied the request. Escalations also didn't work, even though I had credit limit of 1.5L from other banks.

My credit limit was only 20k, which is only of the lowest for Millennia credit card. Since then, started maintaining 50k in the account and have increased my spends in the card will spend 1l in the current quarter, have spent approximately 60k from start of the year.

I've now received an offer to upgrade my Credit limited to 40k only, which is also very low. So my question is, should I wait for at least another month, spend more than 1L in the quarter, and then reach write an email for manual CL Enhancement? Will that work? Or they'll still offer me only 40k?

Also, if I accept the CL enhancement now, how long does it take for HDFC to offer another CLI? Is it 6 months cooldown like in Axis and SBI?

P.s. My salary doesn't match the requirement of 35k pm and I applied and got this card on C2C basis. I posted this considering this is a specific case, I tried searching and didn't get any results similar to this

Bro, consider yourself lucky, you're getting 40K increase. I've been using Millennia since 8 months, crossing 1L milestone each quarter still they've offered me only 7K increase which few days back has changed to 5K and they keep sending offer everyday as if they're increasing it by 50K.

 

[Deleted member 27665]

Bro, consider yourself lucky, you're getting 40K increase. I've been using Millennia since 8 months, crossing 1L milestone each quarter still they've offered me only 7K increase which few days back has changed to 5K and they keep sending offer everyday as if they're increasing it by 50K.

Same here. Stuck with Moneyback+ card with 15k limit from 1 year.

 

[Vasuki]

Same here. Stuck with Moneyback+ card with 15k limit from 1 year.

15k reminds me of axis

But 16k . I m like whats that 😁

 

[deep@vie]

15k reminds me of axis

But 16k . I m like whats that 😁

That's Axis+HDFC 😂

 

[sayantanb211]

So, I've been using milliniea for the past 7 months. Wrote them for a credit limit increase last Month and they denied the request. Escalations also didn't work, even though I had credit limit of 1.5L from other banks.

My credit limit was only 20k, which is only of the lowest for Millennia credit card. Since then, started maintaining 50k in the account and have increased my spends in the card will spend 1l in the current quarter, have spent approximately 60k from start of the year.

I've now received an offer to upgrade my Credit limited to 40k only, which is also very low. So my question is, should I wait for at least another month, spend more than 1L in the quarter, and then reach write an email for manual CL Enhancement? Will that work? Or they'll still offer me only 40k?

Also, if I accept the CL enhancement now, how long does it take for HDFC to offer another CLI? Is it 6 months cooldown like in Axis and SBI?

P.s. My salary doesn't match the requirement of 35k pm and I applied and got this card on C2C basis. I posted this considering this is a specific case, I tried searching and didn't get any results similar to this

Wait minimum 9months to 1year. After 1 year click limit increase. If still they don't, you can contact the cc department and request them stating reasons.

 

[abhishek751]

Today, I got le from 170000 to 189000 for my millennia card. Started from 40000 in 2020 money-back card but still no significant increase. I started with initial limit of 100000 in 2022 for ICICI card and now, I am at 310000. Indeed HDFC is kanjoos bank.

I also got LE from 1.05 L to 1.36L,
Don't know should i take it or wait for better one.

 

[Ares]

I have a 1.5 year old moneyback+ and got LE from 55K to 6.44L.....when I first saw the increased limit my jaw dropped
I went from 50k to 55k to now 6.44L

 

[deep@vie]

I have a 1.5 year old moneyback+ and got LE from 55K to 6.44L.....when I first saw the increased limit my jaw dropped
I went from 50k to 55k to now 6.44L

Try a lottery,you may win that as well.
Your luck is working like anything.
Congratulations 🎊.
What's the highest limit on your existing cards?

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

I also got LE from 1.5 L to 1.36L,

? ? ? ? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?

 

[deep@vie]

? ? ? ? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?? ? ?

He means 1.36 to 1.5(10% enhancement)

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

He means 1.36 to 1.5(10% enhancement)

ohhhhh okay lol

 

[Ares]

What's the highest limit on your existing cards?

Previous to this LE my highest was 3L on icici sapphiro which I got last month only under alumni program.

 

[deep@vie]

Previous to this LE my highest was 3L on icici sapphiro which I got last month only under alumni program.

I have a 1.5 year old moneyback+ and got LE from 55K to 6.44L.....when I first saw the increased limit my jaw dropped
I went from 50k to 55k to now 6.44L

You should definitely buy lottery tickets then,you're the first one to get this kind if LE if you're not maiantainig high NRV with them.

 

[Tay]

I have a 1.5 year old moneyback+ and got LE from 55K to 6.44L.....when I first saw the increased limit my jaw dropped
I went from 50k to 55k to now 6.44L

I had to literally read this TWICE 😀

 

[bigbyte]

where do we check whether a LE has been offered?

 

[varun__goel_]

where do we check whether a LE has been offered?

Netbanking > cards > request > limit enhancement

 

[bigbyte]

Netbanking > cards > request > limit enhancement

No such tabs for New UI. However figured it out in new UI, they actually sent me an OTP to check for LE and then offered none.

 

[SycSCNR]

where do we check whether a LE has been offered?

HDFC Card upgrade offer
HDFC Limit enhancement offer

 

[Ares]

You should definitely buy lottery tickets then,you're the first one to get this kind if LE if you're not maiantainig high NRV with them.

This is what they are showing in my offers tab. Only 10% they say 😂