HDFC CREDIT CARD APPLICATION MESS

[lakshmiprasads18]

Hello guys,
I applied for a HDFC business moneyback I got a Email saying we can't approve your application stating INTERNAL POLICY. But today to my surprise HDFC sent a message with card gending ****, login and activate your card. After loging in I saw my limit was only 15000, which is of no use for me, My plan was to apply for this as my ITR is 36 lakhs so I will get some good limit then so later I would upgrade for DCB card in coming months what should I do now?

Please guide me in this

 

[RishiKiDev]

Don't go for C2C unless you have amex sbi or axis with good limits. Otherwise you will again fall in same situation, best is pre approved

True. They only trust these banks for c2c. 😂

 

[SSV]

Like I can wait for some time, I already have a Indusind Bank credit card with 8lakhs limit that too secured one, thinking of doing C2C on that basis after 6 months

Okay..
1) Cancel your MB card first( this is must, otherwise nothing mentioned below works)
2) upgrade your account to preferred by maintaining 2l balance
3) Transact everything thru this account via DC or UPI
4) install Payzap and use it as much as possible.
5) Pay all your CC bills using HDFC Bill pay using HDFC plat DC
6) Open an FD and RD..

How many other CC you have?

 

[ArpanOP]

How much is your annual spends on the card since past 4 years?
Did you take any loan offers from HDFC?

Anywhere between 3-6 lakhs.
And no loans. I save double the amount then spend. Small fds or rd.

 

[lakshmiprasads18]

Okay..
1) Cancel your MB card first( this is must, otherwise nothing mentioned below works)
2) upgrade your account to preferred by maintaining 2l balance
3) Transact everything thru this account via DC or UPI
4) install Payzap and use it as much as possible.
5) Pay all your CC bills using HDFC Bill pay using HDFC plat DC
6) Open an FD and RD..

How many other CC you have?

I have total 7 cards highest limit is 8 lakhs on indusind bank that too secured one

 

[SSV]

I have total 7 cards highest limit is 8 lakhs on indusind bank that too secured one

Out of those , do you have axis, sbi ,Amex? If so spend on them and pay using HDFC bill pay

 

[lakshmiprasads18]

Out of those , do you have axis, sbi ,Amex? If so spend on them and pay using HDFC bill pay

I have axis- 1.6 Lakhs Limit
SBI - 53000 limit
No amex

 

[SSV]

I have axis- 1.6 Lakhs Limit
SBI - 53000 limit
No amex

Okay, try to spend as much as on these and pay them using HDFC bill pay.
this way you will tell the hdfc systems that you own other cc cards and you spend using those cards also
btw which city/town are you from?

 

[lakshmiprasads18]

Okay, try to spend as much as on these and pay them using HDFC bill pay.
this way you will tell the hdfc systems that you own other cc cards and you spend using those cards also
btw which city/town are you from?

Sounds good, I'm from Bangalore

 

[SSV]

Sounds good, I'm from Bangalore

Okay .. as you are from metro there won’t be any issue..
this plan should work.. Key takeaway is, you need to show HDFC that you are a valuable customer, and start using all different HDFC products and don’t own a cc. Then they will offer but it will take about 6 months to one year minimum

 

[SSV]

Sounds good, I'm from Bangalore

You should pay utility bills using HDFC smart pay
and take one EMI on their DC as well

 

[lakshmiprasads18]

Okay .. as you are from metro there won’t be any issue..
this plan should work.. Key takeaway is, you need to show HDFC that you are a valuable customer, and start using all different HDFC products and don’t own a cc. Then they will offer but it will take about 6 months to one year minimum

Looks good, I will do this thank you!

 

[SSV]

Looks good, I will do this thank you!

No worries..best wishes

 

[ArpanOP]

No worries..best wishes

Hey, can you suggest any axis card which is best for every kind of transaction? Including LIC premiums. I don't have any axis yet. My father has the LIC-Axis which is lame. Because the reward point expires

 

[SSV]

Hey, can you suggest any axis card which is best for every kind of transaction? Including LIC premiums. I don't have any axis yet. My father has the LIC-Axis which is lame. Because the reward point expires

Sure
As it is getting late, we will talk more about this later.. good night

 

[ArpanOP]

Sure
As it is getting late, we will talk more about this later.. good night

Great! Good night

 

[lakshmiprasads18]

Don't go for C2C unless you have amex sbi or axis with good limits. Otherwise you will again fall in same situation, best is pre approved

Like any problem with indusind bank

 

[varun__goel_]

Like any problem with indusind bank

HDFC doesn't respect other banks than those mentioned.
Folks apply with cc of 5L limit and get 25k 50k🤣. Very few get good limits on c2c

 

[lakshmiprasads18]

HDFC doesn't respect other banks than those mentioned.
Folks apply with cc of 5L limit and get 25k 50k🤣. Very few get good limits on c2c

Is there a chance to get good limit on axis cards ?

 

[varun__goel_]

Is there a chance to get good limit on axis cards ?

You can try but no guarantee, HDFC is unpredictable on cc application. Limit on axis?

 

[lakshmiprasads18]

You can try but no guarantee, HDFC is unpredictable on cc application. Limit on axis?

1.6 lakhs limit on axis