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HDFC CC not offering Upgrade or Limit Enhancement

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Gautam3 said:
Bro so finally your preferred RM helped you with applying card of your choice?
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I don't think so. I just became a preferred customer and my home branch is in my hometown and the CC is being processed by people from my work city.
 
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Gautam3 said:
I tried all and told I'll close my business moneyback card and they replied yes you can lol and provided instructions on how to close the card.
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But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
 
James said:
But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
Click to expand...
What is your limit?
 
sri_cc said:
Update: I went to my hometown and had to visit the HDFC bank for some reason and the teller there was trying to cross sell insurance etc to me and fed up with him, I went on a rant mentioning everything and he said he'll immediately convert my account to preferred and then add my mom's and dad's account to it as well. Finally I have an HDFC RM, but not sure whether to be happy or not.

Not sure if this helps with my Reg Gold LTF C2C application. (btw applying for it next week, will update the status here)
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Could you tell if Millennia LTF was present there when you applied C2C?
 
crazyuploader said:
Could you tell if Millennia LTF was present there when you applied C2C?
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Since it was C2C, the process is offline, I just signed on a couple of forms, the agent filled the rest.

However, they said they can even process DCB but not LTF, any card below that was LTF. They couldn't even process DCB FYF, else would've taken it.
 
sri_cc said:
Since it was C2C, the process is offline, I just signed on a couple of forms, the agent filled the rest.

However, they said they can even process DCB but not LTF, any card below that was LTF. They couldn't even process DCB FYF, else would've taken it.
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Which card you use for C2C?
 
Gautam3 said:
Oh okay bro, BTW how did you manage to do this high limit? Any tips please?
Click to expand...
  • When it was issued, the limit was just 1L
  • This was my second card, first got the CORAL and then got this, but mostly used only this card for almost an year and a half.
  • Then they increased the limit to 3.1L, by this time added FK Axis card to my wallet
  • slowly usage got spread across this and FK Axis, and actually all of the offline swiping went to FK as 1.5% CB
  • even then next year they upped the limit to 6.1L
  • this time around I had 5 cards and except for amazon orders, didn't use the card for anything else, which is for the past 2 years
  • after that no credit limit increase

Basically re-route all of your spends to this card if you wanna get a higher limit, after that you can go back to multiple cards based on best CB/reward rates
 
James said:
But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
Click to expand...
Please tell me how you have requested and convinced them for upgrade?
What you mentioned in mail, how much was your spend? I have moneyback+ card which is upgraded from iocl 3 months ago
 
Mysterio_6174 said:
Please tell me how you have requested and convinced them for upgrade?
What you mentioned in mail, how much was your spend? I have moneyback+ card which is upgraded from iocl 3 months ago
Click to expand...
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
 
James said:
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
Click to expand...
And i use hdfc bill pay to pay other bank credit card bills and they reviewed my account and hdfc is my main account
 
James said:
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
Click to expand...
and in return what reply did you get ?
 
James said:
He apologized and provided Upgrade to FYF millenia
Click to expand...
I raised a request to close my mb+ credit card. They called and asked me to use 6 months more for LE/Upgrade . I said i will use it for 2months and i will close the card. if they don't give me the upgrade offer definitely i will close
 
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