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

 

[varun__goel_]

1.6 lakhs limit on axis

You might get millenia with it, if you want to try🤷

 

[ArpanOP]

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

Sir ji bata do jara!

 

[ArpanOP]

1.6 lakhs limit on axis

Do one thing, if possible use the axis card for another 6 months or get manual LE as your ITR is pretty good. Meanwhile, you can open a onescore account to get a pre-approved offer. If the limit is more you can get one card for the time being. Also how long is the FD remaining for IndusInd?

 

[SSV]

Sir ji bata do jara!

For LIC premiums I don’t know much..
What generally people do here is , they pay lic premiums thru Amazon Pay balance.
You can buy Amazon GV with 5% CB using SBI CB card..please search this forum for this.

About your general purpose AXIS CC, what exactly you are looking for and your income range etc..?

 

[lakshmiprasads18]

Do one thing, if possible use the axis card for another 6 months or get manual LE as your ITR is pretty good. Meanwhile, you can open a onescore account to get a pre-approved offer. If the limit is more you can get one card for the time being. Also how long is the FD remaining for IndusInd?

Indusind FD is 1 more than 1 year old and it has 9 months left till mature

 

[ArpanOP]

For LIC premiums I don’t know much..
What generally people do here is , they pay lic premiums thru Amazon Pay balance.
You can buy Amazon GV with 5% CB using SBI CB card..please search this forum for this.

About your general purpose AXIS CC, what exactly you are looking for and your income range etc..?

I see. I have SBI CB, so buying directly from Amazon will do I guess. Nice.
For axis, online and offline purchase or any other like all in one including bill pay, jio in app use. I'm yet to get my SBI CB 1st statement so a bit skeptical about CB.
Magnus is top pre-approved card axis showing.

 

[ArpanOP]

Indusind FD is 1 more than 1 year old and it has 9 months left till mature

After that, your card will become unsecured if I'm not wrong. Then you can try c2c or wait like I said.

 

[lakshmiprasads18]

After that, your card will become unsecured if I'm not wrong. Then you can try c2c or wait like I said.

Does indusind make cards unsecured after fd mature

 

[4uziaul]

Does indusind make cards unsecured after fd mature

No, it doesn't work that way. Unless you get special approval and that rarely happens with IndusInd bank. 🤭

 

[lakshmiprasads18]

No, it doesn't work that way. Unless you get special approval and that rarely happens with IndusInd bank. 🤭

Oh okay , but can I use indusind bank 8 lakhs limit card to get my another axis card?

 

[ArpanOP]

No, it doesn't work that way. Unless you get special approval and that rarely happens with IndusInd bank. 🤭

In that case he should try limit enhancement on his axis via itr route.

 

[ArpanOP]

Oh okay , but can I use indusind bank 8 lakhs limit card to get my another axis card?

Nope! I don't think so

 

[4uziaul]

Oh okay , but can I use indusind bank 8 lakhs limit card to get my another axis card?

Yes, it will work for Axis, but it depends on the agent who applies on your behalf. Usually, the agent handles all the paperwork and obtains special approval for your credit card.

 

[atx]

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

I have SC & IDFC with better limits (9L & 11L). These too in untrusted list of HDFC?

 

[noobdipesh]

Here we are talking about much more quickly.. like 1 to 2 years

Mera to paytm select card se infinia hogya through upgrade within a year. I got paytm card with 2 lakhs limit.

 

[Deleted member 21942]

Mera to paytm select card se infinia hogya through upgrade within a year. I got paytm card with 2 lakhs limit.

Meanwhile Grievance.Redressalcc@hdfcbank.com whenever I ask for CC upgrade:

 

[noobdipesh]

Meanwhile Grievance.Redressalcc@hdfcbank.com whenever I ask for CC upgrade:
View attachment 34772

There's no need of asking again & again. Just try for manual LE through your income documents after every 6 month. Also there is minimum limit for each card so if you have enough limit then only you can get that card via upgrade. If you don't have idea of your preferred/desired card minimum limit then tell me it's name and i will inform you.

 

[SSV]

Mera to paytm select card se infinia hogya through upgrade within a year. I got paytm card with 2 lakhs limit.

Thank you for sharing your experience.
However here we are talking about getting Infinia with only banking relationship with ITR not being qualified with the required income threshold

 

[Avatar Aang]

Mera to paytm select card se infinia hogya through upgrade within a year. I got paytm card with 2 lakhs limit.

Please share more details. I am curious how hdfc offered LE from 2L to 8L in a year.

 

[lakshmiprasads18]

There's no need of asking again & again. Just try for manual LE through your income documents after every 6 month. Also there is minimum limit for each card so if you have enough limit then only you can get that card via upgrade. If you don't have idea of your preferred/desired card minimum limit then tell me it's name and i will inform you.

Can you tell desired card limit for DCB to upgrade