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_]

Can you tell desired card limit for DCB to upgrade

5L on DCB
10L on Infinia

 

[lakshmiprasads18]

5L on DCB
10L on Infinia

If a take a regalia on C2C basis for 8 lakhs limit on indusind bank card, then after getting regalia then can I upgrade to DCB??

 

[noobdipesh]

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

I got LE within 6-7 months on the basis of itr but I hadn't upgraded to Infinia. For further details, you can read the thread 'My Journey from HDFC Business Moneyback Rejection to Infinia in Just 1.5 Years'. https://www.technofino.in/community...rejection-to-infinia-in-just-1-5-years.17240/

 

[noobdipesh]

5L on DCB
10L on Infinia

8L for infinia*

 

[varun__goel_]

8L for infinia*

Recently in many threads it has been discussed that it has increased to 10L

 

[noobdipesh]

Recently in many threads it has been discussed that it has increased to 10L

Wo boht pehli bhi bola jata tha but 8 lakhs hi limit. Ho sakta h ab nahi karte ho 8 lakhs me upgrade.

 

[varun__goel_]

If a take a regalia on C2C basis for 8 lakhs limit on indusind bank card, then after getting regalia then can I upgrade to DCB??

Regalia gold is available now, you can try.
Do one thing, mail to axis to increase limit as you have 36L itr.
After that wait till it gets reported in cibil and then apply on c2c basis

 

[lakshmiprasads18]

Regalia gold is available now, you can try.
Do one thing, mail to axis to increase limit as you have 36L itr.
After that wait till it gets reported in cibil and then apply on c2c basis

Should I wait 6 months after credit limit increase because HDFC is asking last 6 months of credit card statement for C2C process

 

[varun__goel_]

Should I wait 6 months after credit limit increase because HDFC is asking last 6 months of credit card statement for C2C process

No idea in this situation🙂

 

[ArpanOP]

Should I wait 6 months after credit limit increase because HDFC is asking last 6 months of credit card statement for C2C process

Isn't that 3 months max?

 

[ArpanOP]

Regalia gold is available now, you can try.
Do one thing, mail to axis to increase limit as you have 36L itr.
After that wait till it gets reported in cibil and then apply on c2c basis

Does HDFC keep the same account number after upgrading? At this point I don't know anything about them it feels like 🙃

 

[varun__goel_]

Does HDFC keep the same account number after upgrading? At this point I don't know anything about them it feels like 🙃

For cc?
Earlier the acc no reported to cibil for cc was card no itself, but recently they have changed, so no idea currently

 

[RishiKiDev]

For cc?
Earlier the acc no reported to cibil for cc was card no itself, but recently they have changed, so no idea currently

In my cibil the acc no is similar to card number but changed only the last two digits. I hope everyone is getting the same.

 

[varun__goel_]

In my cibil the acc no is similar to card number but changed only the last two digits. I hope everyone is getting the same.

Yeah they have just re arranged cc no🤣

 

[RishiKiDev]

Yeah they have just re arranged cc no🤣

What more can we expect from H-D-FSh*t bank 😂

 

[ArpanOP]

HDFC kya fukta hai?

 

[varun__goel_]

HDFC kya fukta hai?

ITR or ICICI/kotak CC ki statement😛

 

[D₹V]

HDFC is weird. I hold 3 HDFC cards, Millenia, Tata Neu and Swiggy. Recently I applied for Mariott card, I got a mail that I already hold HDFC card and my application is put on hold. Few days later, I got a message that my application is approved and card is dispatched LOL.

@0xfallup 1500₹ GV loss ho gaya 😔

 

[Hisoka]

@0xfallup 1500₹ GV loss ho gaya 😔

Huh. Matlab? 🤔

 

[Lobogris]

Anything you did regarding uprade which has worked out for you to upgrade the card?

Nothing has worked. I kept 50 lakhs there and because an Imperia customer but it hasn't helped. After 6 months, the branch manager sent a request for upgrade to their Chennai office along with a form and my ITR but it was denied. Now it's been more than a year but I haven't tried again. They did issue me a Tata Neu Plus card with a shared limit a while back. In desperation, I even took the 1.5 lakh jumbo loan they were offering on the card and then paid it off after 3 months. Now, I no longer care. I have plenty of other cards which are better. Maybe I will request another increase in about 3 months.