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Hdfc c2c query
- Thread starter Ram1
- Start date
Solution
No bro, recently my frd applied with hsbc 1.8L but received 48k milinia only.
His cibil is 770 and has all cards above 1.5L limit
I said "usually". The limit is something no one can give assurance. It totally depends on underwriter
They allot limit on basis of payslip,c2c or cibil.
recently one banker having 80k limit on icici card applied c2c & got a meagre limit of 20k. we were uncertain until we checked his application was accepted on cibil basis & card limit nit even considered.
Farhad sekh
TF Premier
I have applied and approved. Usually they give 65% of the existing card limit
Hdfc not matching limits these days, they restricting limits recently. Previously all people got either same limit or more than old card limit. These days all getting low limits on c2c
Kartik155555
TF Buzz
I applied with apay card limit of 1.9l and got approved millennia with 63k 🥲
(Actually it was the same limit i was getting as pre approved shown in my netbanking) after 3 days of applying C2C and getting approved..my pre approved limit was 2L.But i already received the card. So I compromised with the 63k only 😂
(Actually it was the same limit i was getting as pre approved shown in my netbanking) after 3 days of applying C2C and getting approved..my pre approved limit was 2L.But i already received the card. So I compromised with the 63k only 😂
Collector_sahab
TF Premier
Applied Millenia with Apay ICICI of 50K limit. Got 1.5L limit on Millenia LTF. Salary slips provided as supporting docs.
If we have prepared offer, c2c doesn't matter bro, they will approve preapproved offer only even if u apply through payslips or c2c. I too experienced it
Collector_sahab
TF Premier
In pre approved offer, you neither need payslips, nor C2C. Just confirm the address and you will get the card. The limit is pre-determined for you beforehand.
Understand the context bro, he got preapproved offer of low limit, he didn't like it. So applied offline with c2c method, ended up getting preapproved offer card and limit only
Collector_sahab
TF Premier
Oh I got this now. But also applying c2c with payslips (offline) yelds much more credit limit that c2c card alone. I got 1.5L limit on millenia c2c with Icici apay card of just 50K
sujoykundu1993
TF Buzz
Look, there are 2 points
No 1- if your existing credit card utilised by you more than 75% and you pay the bill just before the last payment due date then hdfc will give you the credit limit as per your monthly income (it's called IDVR)
No 2- if you are paying huge EMI monthly then hdfc will calculate your monthly expenditure and income after that hdfc will give you the credit limit
I don't think so,
My frd hsbc card has 1.8L,just 1% utilisation, no repay, no income details asked, cibil 777,
Still just 48k limit given
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