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

 

[varun__goel_]

This is what they are showing in my offers tab. Only 10% they say 😂
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Ye kismat mujhe dede thakur....

 

[deep@vie]

This is what they are showing in my offers tab. Only 10% they say 😂
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This is unbelievable. You're not in 10% but in 0.0000001% .

 

[Deleted member 27665]

This is what they are showing in my offers tab. Only 10% they say 😂
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HDFC ka koi MMS hai kya aapke paas?

 

[deep@vie]

HDFC ka koi MMS hai kya aapke paas?

Seems so.great observation😂

 

[abhishek751]

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

1.05 to 1.36

 

[abhishek751]

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

For some reason i have never received any limit enhancement on ICICI.

 

[Googix]

Just received LE on my DCB card from 5L to 15L. Got this card 6 months back and so far did close to 5L spendings.

 

[Strange]

This is what they are showing in my offers tab. Only 10% they say 😂
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Do you have high variant HDFC account? Or is this your salary account?

 

[Abdullāh Khān]

@S S V @DocFixIt @Pack_of_Cards so this chillar LE is being offered like revdi to others too 🙂

 

[Abdullāh Khān]

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.

I recently upgraded to Millennia from Biz MB and only spent ₹2200 in one month and zero in the month before (was abroad) and getting 22K increase lol (Current Limit 1L) 🤣

 

[Vasuki]

@S S V @DocFixIt @Pack_of_Cards so this chillar LE is being offered like revdi to others too 🙂

% of l.e is important not the limit ..
Hdfc staircase of l.e is like Compund growth.
U only feel in later years

 

[anantnitish]

I recently upgraded to Millennia from Biz MB and only spent ₹2200 in one month and zero in the month before (was abroad) and getting 22K increase lol (Current Limit 1L) 🤣

Hdfc ki algo samjhna mushkil hai
Heavily Spends kra toh bhi LE nhi mila tha
Band ka diya use Krna toh bhi nhi Mila LE

 

[gauravbhati]

Hdfc ki algo samjhna mushkil hai
Heavily Spends kra toh bhi LE nhi mila tha
Band ka diya use Krna toh bhi nhi Mila LE

Mene bhi yehi same kiyaaa still no L.E

 

[Abdullāh Khān]

% of l.e is important not the limit ..
Hdfc staircase of l.e is like Compund growth.
U only feel in later years

Yeah in my case it's 22% which sounds good on paper but the actual limit is low so it won't be helpful, unless it's a guaranteed percentage I get every 6months which would be so much better.

Hdfc ki algo samjhna mushkil hai
Heavily Spends kra toh bhi LE nhi mila tha
Band ka diya use Krna toh bhi nhi Mila LE

Lmao, they really play rock paper scissors among themselves to decide whom to give LE 🤣

 

[Ares]

Do you have high variant HDFC account? Or is this your salary account?

This is my salary account

 

[gauravbhati]

This is my salary account

Yaa the salary a/c has more perks. Every time I ask for something from my RM, he convinces me to open an salary account there....

 

[hackymanoj]

Just received LE on my DCB card from 5L to 15L. Got this card 6 months back and so far did close to 5L spendings.

Is it via email or text or any other forms? What's the highest limit on other cards? Do you hold salary account with HDFC?

 

[cardy]

Bolo.
Aapne ghabrana nahin hai

Yah
Sabse pehle apko ghabrana Nehi🤪😆😆😆

 

[Googix]

Is it via email or text or any other forms? What's the highest limit on other cards? Do you hold salary account with HDFC?

checked via this link https://applyonline.hdfcbank.com/credit-cards/credit-card-limit-enhancement-form.html#nbb. did not receive mail or sms.

Yea have Salary account with HDFC. This is the highest limit have ever received. ICICI gives 4.9L limit and Axis gives 3.4L limit. Axis is stingy when it comes to credit limit increase for me. Was surprised to see 3x limit increase from HDFC.

 

[sidp]

These clowns offering me FYF Millennia to my LTF regalia for a year now😂

Yeah like some people get offer to upgrade their ltf atlas to Axis best card(paid myzone).