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

 

[RevEng]

Saw Limit enhancement banner in netbanking, grabbed immediately.

 

[dealminer]

View attachment 47577

Saw Limit enhancement banner in netbanking, grabbed immediately.

When was your last LE?
Do you hold any other card from hdfc?

 

[RevEng]

When was your last LE?
Do you hold any other card from hdfc?

This is first LE after getting the card in Dec 2022. No other HDFC CC.

 

[dealminer]

This is first LE after getting the card in Dec 2022. No other HDFC CC.

Ohh cool.
I also got the card same month.
Let's see. No hopes from hdfc anyways 😮‍💨

 

[Anil_Singh]

View attachment 47577

Saw Limit enhancement banner in netbanking, grabbed immediately.

Usage? Any existing relationship?

 

[RevEng]

Very low usage, max credit ever used - 3000 out of the 2.5L limit.

Savings Max account, no other relationship.

 

[fageriaji]

Do you hold any other card from hdfc apart from millennia?

Nope... It's only card with hdfc since June 2021 and it's 3 rd LE