HDFC Bank is tiresome

[cardnoob24]

"I've experienced frustration with credit card upgrades and limit increases. My first card, a LTF Money Back card, had a modest ₹25,000 limit. Despite having other cards with higher limits (up to ₹200,000), I never received an upgrade or limit increase, leading me to close the account.

A few months later, I reapplied through an agent and got approved for an LTF Millennia card with a ₹184,000 limit. However, the same issue persists - while my other cards have been upgraded to ₹400,000+ limits, my Millennia card remains stagnant.

Considering my options, I'm thinking of closing this account and applying for a Regalia Gold card instead. Any suggestions or recommendations would be appreciated."

 

[kuchbhi]

Can you may be not ask/atleast try with priority redressal for LE

 

[sumit_yadav]

It’s important to understand that not all credit cards will have the same credit limit. Banks have their own policies for assigning credit limits, and these tend to increase over time, but patience is key. If you decide to close the account, keep in mind that it could negatively affect your credit score, as it may increase your credit utilization ratio.

If you believe your income has increased significantly since receiving the card, you can directly reach out to the bank via email to request a limit increase. A limit of ₹1.84L is not small, and this "race" to match higher limits can be endless.

For perspective, I have one card with a ₹11.65L limit and another with just ₹1.17L.

 

[cardnoob24]

It’s important to understand that not all credit cards will have the same credit limit. Banks have their own policies for assigning credit limits, and these tend to increase over time, but patience is key. If you decide to close the account, keep in mind that it could negatively affect your credit score, as it may increase your credit utilization ratio.

If you believe your income has increased significantly since receiving the card, you can directly reach out to the bank via email to request a limit increase. A limit of ₹1.84L is not small, and this "race" to match higher limits can be endless.

For perspective, I have one card with a ₹11.65L limit and another with just ₹1.17L.

Here's a revised version:

"I've consistently received automatic credit limit increases from RBL, SBI, Amex, IndusInd, and ICICI, with each increase matching or surpassing the others, and varying by only ₹10,000 to ₹15,000. However, HDFC's limit has remained stagnant, deviating significantly from the others.

This raises questions about their credit evaluation criteria and customer loyalty recognition.

I don’t know maybe I’m over reacting but two years and nothing for me that’s what haunts me

 

[RAMESH BABU N]

If you are unhappy with them, why live with them. Close n quit n be happy.

 

[cardnoob24]

Can you may be not ask/atleast try with priority redressal for LE

I also mailed them lets see what they have to say

 

[cardnoob24]

. A limit of ₹1.84L is not small, and this "race" to match higher limits can be endless.

For perspective, I have one card with a ₹11.65L limit and another with just ₹1.17L.

And I understand, but I’m not asking to raise more than the current limit of my other cards. I’m just asking them to match the limit of other cards and also that disparity 11.65 vs 1.17 does not bother you ?

 

[aniketkr.sharma]

Here's a revised version:

"I've consistently received automatic credit limit increases from RBL, SBI, Amex, IndusInd, and ICICI, with each increase matching or surpassing the others, and varying by only ₹10,000 to ₹15,000. However, HDFC's limit has remained stagnant, deviating significantly from the others.

Despite my impeccable credit history and loyalty over two years, I've not received any automatic limit increases from HDFC. This raises questions about their credit evaluation criteria and customer loyalty recognition.

also, I have five banks all within the ballpark of 400,000 so one 180,000 card close won’t do anything on my cibil
I don’t know maybe I’m over reacting but two years and nothing for me that’s what haunts me

Bro, keep patience, I had a paytm hdfc credit card with limit 3 lacs when I closed it and applied another card after 6 months they gave me 1.5 lakhs limit, so never trust there system, you got increase after closing & reopening you are lucky, if you close again you might again be lucky but if your application gets rejected what will you do? You will be loosing millennia with 1.84 lacs limit and if you have income docs you can mail & they will increase your limit as they did in mine case and also upgraded my card to regalia gold ltf, so better keep patience and keep trying until you have the sufficient limit,

I am having
Icici apay & coral 6lacs limit
Sbi cashback 3.1 lacs limit
Hdfc RG & infinity 3 lacs limit
Idfc select 2.2 lacs limit
Axis neo rupay 2.1 lacs limit

sbi had synced accounts and gave limit increase
Icici requested income docs & then gave limit increase
Hdfc also asks for income docs & then gave limit increase
Idfc also when upgrading from millennia to select asks income docs & then increased limit & gave upgrade
Axis is pre-approved and never gave increament from last 1 year


So it's totally depending on your income whatever you want you can get.

 

[aniketkr.sharma]

And I understand, but I’m not asking to raise more than the current limit of my other cards. I’m just asking them to match the limit of other cards and also that disparity 11.65 vs 1.17 does not bother you ?

Simply gave them income docs & they will increase, they never consider your limits on other cards until unless there is huge spending over 3 months regularly. You can request them by sending statement but it fully depends on them,
I tried my coral statement but they refused & reverted with there automated reply like always.

 

[VISION]

And I understand, but I’m not asking to raise more than the current limit of my other cards. I’m just asking them to match the limit of other cards and also that disparity 11.65 vs 1.17 does not bother you ?

y should it bother, it's banks credit not our's .. we can use it but need to repay them in the given time frame..
and fyi having a Overleveraging credit will lead to rejection when u apply for new cards.
maybe higher limit will help in emergency, for that having a card with higher limit is sufficient and rest of the cards with decent limit is enough for offers and other use.
if u want higher credit then submit your income proofs and get it done. because pre-approved limit increase is not in anyone's hands.

 

[Yeat]

LE in HDFC is not that tough if you have income proof to justify the same. More often than not simple mail to their grievance team alongwith income docs gets the job done.

Further it has become difficult to get LTF cards from HDFC. Since you have one, so would suggest to keep it and try LE through email/chennai office channels.

 

[blackarrow]

And I understand, but I’m not asking to raise more than the current limit of my other cards. I’m just asking them to match the limit of other cards and also that disparity 11.65 vs 1.17 does not bother you ?

Have one card with 15L+ and another is just with 50k....not using that card anymore since it's LTF.... I'll keep it without using

 

[Lobogris]

And I understand, but I’m not asking to raise more than the current limit of my other cards. I’m just asking them to match the limit of other cards and also that disparity 11.65 vs 1.17 does not bother you ?

Why would it bother anyone? I have IDFC Wealth with a limit of 26.5 lakhs but my Kotak 811 has a limit of just 50k and they have never raised it. So what? Similarly, my Infinia is 12.5 lakhs but my ICICI cards have been stuck at 8 lakhs for a couple of years. They are not all going to have the same limit.

 

[sumit_yadav]

also that disparity 11.65 vs 1.17 does not bother you

No, I only use it as a backup Fuel card (Standard Chartered Titanium). At max I will use 5k in a month that too when I have completely used 10k in fuel from my SBI BPCL Octane card.

I have this StanC card since 2013 and only received 1 CL enhancement from 52K to 1.17L. This is easiest contender to close when ever I want without hurting the cibil score.