HDFC Credit Limit Increased from 15.5 lakh to 17.05 Lakh

[sunit123]

HDFC is offering increase in credit limit.....My wife received SMS regarding increase in credit limit...Increased to 17.05 Lakh

 

[Shell]

Last Yr Feb & March they were offering ltf till rg on c2c. But that was for new application or who had closed old cc more than 90days ago.

That makes much more sense, thanks!
Also, should I try filling out this form?? https://applyonline.hdfcbank.com/credit-cards/credit-card-upgrade-form.html
I just don't want to go for a hard enquiry with HDFC, I would rather apply with a bank which I don't have any past banking relationship with

 

[aniketkr.sharma]

That's just disappointing to hear, but I do recall reading some threads about card 2 card working for higher cards

Try & let us know if you get atleast RG with c2c

They aren't even hearing for credit limit match & you are saying they will give dcbm or infinia

 

[Sobirvs]

Cluster head. Your bm's immediate boss. He can make Millenia ltf for preferred and rg for imperia very easily. Even making rg ltf for preferred isn't a big deal.

You can ask your rm/bm for his details. Otherwise you can search your branch details in hdfc page, mail/call them to get his details.

Thing is, I am not primary imperia, my brother is, I am under his family banking and even my brother's RG isn't LTF lol. He anyways does spends and his fee got reversed last month, so not sure if it's worth but will talk to RM abt my card.

 

[sidpsidp is verified member.]

Thing is, I am not primary imperia, my brother is, I am under his family banking and even my brother's RG isn't LTF lol. He anyways does spends and his fee got reversed last month, so not sure if it's worth but will talk to RM abt my card.

See in banking some decision bm has to justify why he is recommending some extra perks. Bigger the perks, higher is the approval needed.

But some perks are so small that a manager of certain level doesn't have to justify. E.g.
There is cash transactions charges. Sometimes I do higher value cash transactions, so there is a cash handling charges. But whenever I tell my bm about it, she reverses it. I am not sure but she needs ch approval for it. To reverse 500rs charge isn't a big thing for preferred/imperia customer. So they don't need to justify it much.

But some perks are big. Like getting Infinia without income doc & low trv. Local mayor got infinia without satisfying any criteria. How? He gave a fd of municipality of 70+cr. So ch had to justify that it is a quid pro quo and they'll earn so much from that fd that even if the individual defaults, they are still making money. But as the perk is big, they need bbh, gh approval. Rm, bom,bm, Cluster/circle/zonal head need to justify this action but bbh/gh don't need to.

 

[sidpsidp is verified member.]

Thing is, I am not primary imperia, my brother is, I am under his family banking and even my brother's RG isn't LTF lol. He anyways does spends and his fee got reversed last month, so not sure if it's worth but will talk to RM abt my card.

From an imperia customer the banks earns so much that making a 2500rs card free isn't such a big deal.

They generally limit the perks to primary when relationship is based on salary and nrv/trv is low. But as your brother relationship is based on nrv/trv, ch should approve.

 

[Sobirvs]

From an imperia customer the banks earns so much that making a 2500rs card free isn't such a big deal.

They generally limit the perks to primary when relationship is based on salary and nrv/trv is low. But as your brother relationship is based on nrv/trv, ch should approve.

Msg'd my RM anyways and she said wait for monday, she is enjoying in kumbh. I am having fomo for kumbh now tbh.

 

[Sobirvs]

I am thinking of may be sitting on regalia gold for like 30 days and see if I can get it converted to LTF or pressure HDFC into giving me more limit or may be perhaps infinia/DCB(i know won't ever happen, just says).

An update : I did a payment to regalia gold upgraded. It took the payment. I am still not sure if the card has been activated or not as my mil card still shows on mycards web app. I haven't set pin yet, neither activated as hdfc asked. Let's see what happens.

 

[aniketkr.sharma]

An update : I did a payment to regalia gold upgraded. It took the payment. I am still not sure if the card has been activated or not as my mil card still shows on mycards web app. I haven't set pin yet, neither activated as hdfc asked. Let's see what happens.

I suggest you to activate it and use it and get upgraded asap

 

[Sobirvs]

I suggest you to activate it and use it and get upgraded asap

why? I kinda have this gut feeling that I am making a mistake if I activate lol

Also if I wait, may be LTF option might be given...

Tbh, I checked if I spend on this card even with smartbuy vouchers, the reward back is less than 4% compared to sbi cashback which atleast gives 5%, ugh.

 

[aniketkr.sharma]

why? I kinda have this gut feeling that I am making a mistake if I activate lol

Also if I wait, may be LTF option might be given...

Tbh, I checked if I spend on this card even with smartbuy vouchers, the reward back is less than 4% compared to sbi cashback which atleast gives 5%, ugh.

You can decide better, but take precautions as its Hdfc

 

[Sobirvs]

You can decide better, but take precautions as its Hdfc

Hmm, activated.

Mil got blocked automatically.

I'm finally on the dark side

 

[aniketkr.sharma]

Hmm, activated.

Mil got blocked automatically.

I'm finally on the dark side

Hoping for the best, as i am still getting offers for my closed infinity card.

I just saw infinity card is also for loans on neu app, and it looks like this card is cursed and we thought of RG.

 

[Sobirvs]

Hoping for the best, as i am still getting offers for my closed infinity card.

I just saw infinity card is also for loans on neu app, and it looks like this card is cursed and we thought of RG.

HDFC really is shitty with cards. But I see them wanting to improve. Their expressway portal is good, and new netbanking is incoming, app new too incoming so let's give them few months more.

Neu really was a shitty card, good riddance I threw it out. Swiggy card with them changing the way they credit the cashback direct to statement rather than swiggy wallet was an improvement. They saved swiggy card becoming another neu. However much I try, I just can't seem to be getting rid of swiggy card. It's actually a card I spend the most (real spends, not manufactured lol). Have spent like 1.5L on it in last 5 months even though it's LTF for me. I am just worried swiggy card isn't cursed where I don't get CLE or upgrade on core card.

 

[sunit123]

Msg'd my RM anyways and she said wait for monday, she is enjoying in kumbh. I am having fomo for kumbh now tbh.

if you have not done any sin then you may skip 😀

 

[Sobirvs]

if you have not done any sin then you may skip 😀

It's not really about sin, people who commit sin think more abt kumbh that way, I am more like it's quite exciting so many people coming together as a united family.