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

 

[fageriaji]

I just check for my millennia credit card.
My limit is 2.16 L
Is this maximum limit of this card ???

My last limit enhancement was around 1 year ago.

 

[anantnitish]

I just check for my millennia credit card.
My limit is 2.16 L
Is this maximum limit of this card ???

My last limit enhancement was around 1 year ago.
View attachment 44581

No LE offer for u as of now just like many others
HDFC is being conservative in offering LE these days

 

[gauravbhati]

I just check for my millennia credit card.
My limit is 2.16 L
Is this maximum limit of this card ???

My last limit enhancement was around 1 year ago.
View attachment 44581

I got no LE offer in past 2 years. Still this page shows me that they have offered me the best limit. 🥲

 

[fageriaji]

No LE offer for u as of now just like many others
HDFC is being conservative in offering LE these days

I have imperia banking with HDFC and not LE given.
In Aug 2023 I received upgrade offer to DC Millennia to DC Privilege card. I denied and changed my variant from DC to Visa.
Now I didn't get any LE and upgrade offer 😬😞

 

[fageriaji]

I got no LE offer in past 2 years. Still this page shows me that they have offered me the best limit. 🥲

That's why HDFC stock is down 😬
When I email them CCE asked me send salary slip and ITR to their channai office.
I have max limit on my ICICI cards 4.8 L

 

[Strange]

I just check for my millennia credit card.
My limit is 2.16 L
Is this maximum limit of this card ???

My last limit enhancement was around 1 year ago.
View attachment 44581

I heard HDFC stopped giving LE to multi card holders.

 

[gauravbhati]

That's why HDFC stock is down 😬
When I email them CCE asked me send salary slip and ITR to their channai office.
I have max limit on my ICICI cards 4.8 L

Then ? Did you send them the documents via Post ??

I heard HDFC stopped giving LE to multi card holders.

I am using 3 cards... But what to do then all of them are useful for me.

 

[varun__goel_]

I heard HDFC stopped giving LE to multi card holders.

I guess it is right.

My father holds 2 cards. Received a LE offer. Accepted it and the next day it was back to old limit

 

[fageriaji]

I heard HDFC stopped giving LE to multi card holders.

I have only one hdfc bank credit card.
But have total 8 credit card.

 

[HumorSimpson]

I'm with SBI for last 20 years and running but they provided 20k limit for Cashback card and a LE of 32k after 1 year.... loyalty ki koi keemat nahi India mein....

Oh my mod

 

[fageriaji]

Then ? Did you send them the documents via Post ??



I am using 3 cards... But what to do then all of them are useful for me.

Nope.... I think speed post document can be missed by them.
As I need to change my mailing address in credit card then I sent my ID twice but still my address is not changed.

Funniest thing is that I have hdfc imperia banking account and I want to change credit card mailing address same as in my saving account.

 

[HumorSimpson]

This is what they are showing in my offers tab. Only 10% they say 😂
View attachment 43423

Another money back success story. Perfect 👌 answer to my bullies .

 

[NShah]

Another money back success story. Perfect 👌 answer to my bullies .

 

[deep@vie]

I'm with SBI for last 20 years and running but they provided 20k limit for Cashback card and a LE of 32k after 1 year.... loyalty ki koi keemat nahi India mein....

@Riya Please say you're joking. Noone can stay loyal to a bank like sbi for so long.

 

[HumorSimpson]

 

[HumorSimpson]

@Riya Please say you're lying. Noone can stay loyal to a bank like sbi for so long.

The one's who took home loan from SBI?

 

[deep@vie]

The one's who took home loan from SBI?

Yes, that seems the case

 

[gauravbhati]

Nope.... I think speed post document can be missed by them.
As I need to change my mailing address in credit card then I sent my ID twice but still my address is not changed.

Funniest thing is that I have hdfc imperia banking account and I want to change credit card mailing address same as in my saving account.

Then it makes no sense to mail/post them.
Why don't you talk to your BM ?

 

[sidp]

@Riya Please say you're joking. Noone can stay loyal to a bank like sbi for so long.

I was with sbi for almost 2 decade. Hehe. My dad wouldn't let me change.

 

[deep@vie]

I was with sbi for almost 2 decade. Hehe. My dad wouldn't let me change.

That's being honest with solid reason, thumbs up