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Pack_of_Cards
TF Premier
For a moment couldn't believe my eyes that DCB fee is 1000, took a closer look and it was 10,000. Just the comma was messed up. Sigh!! HDFC walo kahi to sudhar Jao.
That is true, when i had applied for my 1st CC, the Axis RM told me you’ll get 2L limit but i got 78KNobody can guarantee the credit limit. You are in for a great surprise my friend.
Please do write here the limit you received when you get the card as you applied with Amazon Pay credit card.
Just a friendly tip - Never trust a glorified salesman/saleswoman (RM)
Actually the only reason I proceeded with the application was that on HDFC’s website i am getting the offer of DCB Plastic(Paid) but the application is not getting submitted.
And the branch was offering Regalia Gold LTF only through C2C Application, in my case i found this to be a better deal as I don’t plan toh take DCB Paid this year cause need to reach milestone spends on AMEX Cards.
Even if it’s rejected I won’t mind as currently don’t have the requirement, but ill update you guys with the experience
With HDFC there are no miracles, it's only debacles HDFC is unpredictable. I've got Moneyback for 8 years. They seem to love me enough to have increased my limit periodically (to a large enough limit now) without ever any request from my side! And this with regular, but moderate, use over periods, as well as complete non-use for months!
However, apparently they don't trust me enough to ever offer me an upgrade!
RishiKiDev
TF Legend
How can they not trust @Trust Me enough to provide an upgrade?HDFC is unpredictable. I've got Moneyback for 8 years. They seem to love me enough to have increased my limit periodically (to a large enough limit now) without ever any request from my side! And this with regular, but moderate, use over periods, as well as complete non-use for months!
However, apparently they don't trust me enough to ever offer me an upgrade!
Jokes apart how regularly did you get the LE? Once every six months?
shrewdoc
TF Ace
Do you also have a Moneyback with 11L limit like @AlgoTrader ?HDFC is unpredictable. I've got Moneyback for 8 years. They seem to love me enough to have increased my limit periodically (to a large enough limit now) without ever any request from my side! And this with regular, but moderate, use over periods, as well as complete non-use for months!
However, apparently they don't trust me enough to ever offer me an upgrade!
How can they not trust @Trust Me enough to provide an upgrade?
Jokes apart how regularly did you get the LE? Once every six months?
Didn't keep track. But don't think it was at regular intervals. They used to call me, and offer me LE. -- "I can offer you upto this limit if you want". But once this guy gave me only 3.33% LE when he could have given me 30%. I didn't know that, so accepted the 3.33%. Later I saw that 30% LE offer in netbanking, but couldn't take it because I had already accepted the 3.33%. Months later (after an extended non-use period) they again offered me another 30% LE offer through netbanking which I accepted. My total LE over 8 years has been > 20x over a low starting limit, and all this for just a basic account holder with not much balance or investments yet! Since then I'd upgraded my relationship to Imperia, but haven't received any upgrade offer in > 6 months. So yes, HDFC is unpredictable.
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Do you also have a Moneyback with 11L limit like @AlgoTrader ?
No, they don't love me that much!
. But my limit now is more than I'm likely to even approach in regular use (unless for medical reasons).
RishiKiDev
TF Legend
Definitely HDFC is unpredictable. Anyone who says he can get you anything guaranteed in HDFC is either lying or a RM (both are same mostly).
Everything varies on case to case basis.
There are no hard and fast rules for HDFC.
People like you who share there experiences first hand totally provide an authentic view on the variables involved.
Hope you get more LEs and get a 15L Infinia soon.
Regalia gold LTF?Fingers crossed
That is true, when i had applied for my 1st CC, the Axis RM told me you’ll get 2L limit but i got 78K
Actually the only reason I proceeded with the application was that on HDFC’s website i am getting the offer of DCB Plastic(Paid) but the application is not getting submitted.
And the branch was offering Regalia Gold LTF only through C2C Application, in my case i found this to be a better deal as I don’t plan toh take DCB Paid this year cause need to reach milestone spends on AMEX Cards.
Even if it’s rejected I won’t mind as currently don’t have the requirement, but ill update you guys with the experience
Regalia Gold LTF? !!! Really!!
My RM told me that Regalia Gold being a new card is not being offered LTF, max it can be FYF.
He's not ready to upgrade my 4 year old Regalia First LTF to Regalia Gold LTF!
Pls post here if you do get it LTF, then I will talk to my RM again.
D₹V
TF Prestige
Yes, anyone can apply if eligible via income docs
card upgrades are mostly fyf, it's difficult to get ltf..
many people are getting fyf upgrade offer, but some people who didn't take the fyf offer and waited more time got ltf offer too..
chances are low, approch your rm and ask him, if he can do something about it
RishiKiDev
TF Legend
Yes you will get all LTF via C2C but the main question is will you get the card you have chosen or will HDFC play the surprise card with even surprising limit.
have some faith..Yes you will get all LTF via C2C but the main question is will you get the card you have chosen or will HDFC play the surprise card with even surprising limit.
if someone loves gambling, please try your luck
, atleast you will get something there's no better luck luck next time hereSimilar threads
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