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

 

[H2O]

HDFC be like when giving LE to me >>

 

[Sobirvs]

Of course. Human psychology is like that. If someone says I don't want attention from anyone for anything in their life, that is an attention seeking stunt.

regardless the BS u peddled before without any source, still, I agree 100% with this above statement of yours.

 

[aniketkr.sharma]

I cannot give you a source but trust me, at least some banks doesn't consider Insurance, fuel and Govt spends. When we compute, we create variables by removing these spends.

Now you are saying you even didn't read the thread Name,

what it belongs to..

In normal way we call this type of people "NOOB"

 

[SreeU]

HDFC be like when giving LE to me >>

Yes, for the past 1 year, I have been waiting for my HDFC CC Limit Enhancement. But Nothing.
Today I have got LE offer for Airtel Axis.

 

[rogerthat]

I received a CLI today. Not a lot in absolute amount but still it is a 25% increase! (edit)

Only 4 months since I got the card. Been using it for 50K around every month and have reached all milestones. And enabled autopay too.

 

[hender]

I received a CLI today. Not a lot in absolute amount but still it is a 20% increase.

Only 4 months since I got the card. Been using it for 50K around every month and have reached all milestones. And enabled autopay too.

View attachment 84289

25% increment is not bad.

 

[Sobirvs]

I received a CLI today. Not a lot in absolute amount but still it is a 25% increase! (edit)

Only 4 months since I got the card. Been using it for 50K around every month and have reached all milestones. And enabled autopay too.

View attachment 84289

@aniketkr.sharma any luck?

 

[aniketkr.sharma]

@aniketkr.sharma any luck?

Nope, yesterday got final closed tata neu infinity email.

Will see in upcoming days about enhancements.

Any of Your's card hitted LE?

 

[Sobirvs]

Nope, yesterday got final closed tata neu infinity email.

Will see in upcoming days about enhancements.

Any of Your's card hitted LE?

Didn't try on my brother's, coz don't want any trigger before his spent criteria is done which should be soon so not risking .

But for me No LE. But I got offered regalia gold FYF lol. But I got sms saying thankyou for banking with hdfc, we have a card upgrade update on your cc.

When I went for it, it asked otp, and then - you already have best card bla bla. Wtf? I tried from my mobile, and now in end when it asks for otp, hdfc website blanks out even though final otp do come...

 

[aniketkr.sharma]

Didn't try on my brother's, coz don't want any trigger before his spent criteria is done which should be soon so not risking .

But for me No LE. But I got offered regalia gold FYF lol. But I got sms saying thankyou for banking with hdfc, we have a card upgrade update on your cc.

When I went for it, it asked otp, and then - you already have best card bla bla. Wtf? I tried from my mobile, and now in end when it asks for otp, hdfc website blanks out even though final otp do come...

View attachment 84298

Don't upgrade for regalia gold as points will be converted for less value.

Keep millennia.

I was wrong when decided for upgrade as now it seems trapped and even if i get upgrade it will be less values.

 

[Sobirvs]

Don't upgrade for regalia gold as points will be converted for less value.

Keep millennia.

I was wrong when decided for upgrade as now it seems trapped and even if i get upgrade it will be less values.

Yea for points, even I thought so, but I have less pts right now, hardly 150 and this month statement should add 800 more. But I care more for LE than my card or points. I am guessing upgrading to regalia gold will offer me better LE to me as regalia gold is more premium compared to mil right? May be mil which is considered less premium compared to regalia has a threshold internally that this card can go maxx this limit, and regalia is 3x of that? idk, it's all in my head.

I am just guessing here... It's anyways not letting me upgrade though.

 

[aniketkr.sharma]

Yea for points, even I thought so, but I have less pts right now, hardly 150 and this month statement should add 800 more. But I care more for LE than my card or points. I am guessing upgrading to regalia gold will offer me better LE to me as regalia gold is more premium compared to mil right? May be mil which is considered less premium compared to regalia has a threshold internally that this card can go maxx this limit, and regalia is 3x of that? idk, it's all in my head.

I am just guessing here... It's anyways not letting me upgrade though.

Wrong bro, Millennia users also having 15L & 20 L limit.

 

[Sobirvs]

Wrong bro, Millennia users also having 15L & 20 L limit.

Hmm, so 100% I shouldn't go for it? I begged red g and pno to upgrade coz I got same offr in oct 24, but they denied lol and now I have it. Anyways they are not letting it go through.. I guess I'll stick to mil.

 

[aniketkr.sharma]

Hmm, so 100% I shouldn't go for it? I begged red g and pno to upgrade coz I got same offr in oct 24, but they denied lol and now I have it. Anyways they are not letting it go through.. I guess I'll stick to mil.

Yeah but one thing striked me now, as we can get unlimited points if we do spending on regalia gold for upgrading to infinia.

In millennia i think it's restricted to 2k per month (if this is correct you can upgrade if incorrect leave the upgrade)

 

[Sobirvs]

Yeah but one thing striked me now, as we can get unlimited points if we do spending on regalia gold for upgrading to infinia.

In millennia i think it's restricted to 2k per month (if this is correct you can upgrade if incorrect leave the upgrade)

2k? I think it is 1k.

1k limit for 5% cashback
1k limit for 1% cashback

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

I have however heard once upgraded to regalia, CL increased will stop atleast for a year or so.. True?

My brother's last CL inc was in March 2023. This was when he had normal visa regalia, not regalia gold. Idk if he got sms for CL inc after that or not. But his statements show 8L limit in feb 2023 and 8.5L in march 2023 and it has been 8.5L since march 2023 till today. When I checked thru link of hdfc, it says you have the best limit etc.

I am kinda afraid about this though. Is regalia gold cursed lol?

Source. https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/CashBack Credit Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

 

[6ix9ine]

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

It is separate

 

[Sobirvs]

It is separate

hmm, still kinda useless, most cards give 1% anyways.

 

[aniketkr.sharma]

2k? I think it is 1k.

1k limit for 5% cashback
1k limit for 1% cashback

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

I have however heard once upgraded to regalia, CL increased will stop atleast for a year or so.. True?

My brother's last CL inc was in March 2023. This was when he had normal visa regalia, not regalia gold. Idk if he got sms for CL inc after that or not. But his statements show 8L limit in feb 2023 and 8.5L in march 2023 and it has been 8.5L since march 2023 till today. When I checked thru link of hdfc, it says you have the best limit etc.

I am kinda afraid about this though. Is regalia gold cursed lol?

Source. https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/CashBack Credit Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

Yeah you can say cursed and a trap too

 

[Sobirvs]

Yeah you can say cursed and a trap too

Damn..

btw I just went to mycards and tried to upgrade from there.. it is showing there too.

It asked for otp, i put it in, then it asked for DOB, I did, then it said to verify myself via netbanking/debit/credit card, I did it via my newly opened 2 weeks old savings max acc which is upgraded to family banking imperia, once done, it asked for one more time otp, and when I put it in, it says wrong otp (bullshit), I tried twice, again wrong otp, and it said 1 time more allowed, prolly means they would have blocked my card for security, so I logged out.

Then I went again, same thing happened, this time I tried to verify via my credit card credentials in step 3. Wrong otp in last step.

I checked on reddit and all eligible people are able to upgrade. Idk this bug of HDFC is saving me or what from the cursed hdfc regalia lol.

Also btw, there is a possibility I have multiple CID's in HDFC. One was old which was my current acc. I could never see my credit cards from netbanking of current acc too. Then I have another login for just credit card portal here https://netportal.hdfcbank.com/login#/openMarketLoginCC this is netbanking only but only for credit cards, not savings acc. And now I have another CID for my savings acc imperia but I can't see my credit cards in there. Is that the reason why I am not being upgraded or auto system of hdfc is confused about my CID in their core system? My branch BM told me when they opened the acc that my earlier CID's will be merged in this or vice versa, I couldn't understand a thing what she said back then. She said once PAN is updated then it will happen, they had to do this offline as my old CID was creating problems. But when PAN finally got linked to me new savings acc, then after that silence, no merging nothing....

HDFC is fckn' grandpa of national banks. Old and tired.

 

[aniketkr.sharma]

Damn..

btw I just went to mycards and tried to upgrade from there.. it is showing there too.

It asked for otp, i put it in, then it asked for DOB, I did, then it said to verify myself via netbanking/debit/credit card, I did it via my newly opened 2 weeks old savings max acc which is upgraded to family banking imperia, once done, it asked for one more time otp, and when I put it in, it says wrong otp (bullshit), I tried twice, again wrong otp, and it said 1 time more allowed, prolly means they would have blocked my card for security, so I logged out.

Then I went again, same thing happened, this time I tried to verify via my credit card credentials in step 3. Wrong otp in last step.

I checked on reddit and all eligible people are able to upgrade. Idk this bug of HDFC is saving me or what from the cursed hdfc regalia lol.

Also btw, there is a possibility I have multiple CID's in HDFC. One was old which was my current acc. I could never see my credit cards from netbanking of current acc too. Then I have another login for just credit card portal here https://netportal.hdfcbank.com/login#/openMarketLoginCC this is netbanking only but only for credit cards, not savings acc. And now I have another CID for my savings acc imperia but I can't see my credit cards in there. Is that the reason why I am not being upgraded or auto system of hdfc is confused about my CID in their core system? My branch BM told me when they opened the acc that my earlier CID's will be merged in this or vice versa, I couldn't understand a thing what she said back then. She said once PAN is updated then it will happen, they had to do this offline as my old CID was creating problems. But when PAN finally got linked to me new savings acc, then after that silence, no merging nothing....

HDFC is fckn' grandpa of national banks. Old and tired.

Yes multiple cids are there in hdfc

Try upgrading after tomorrow 8:30am.
Maybe offer just generated so after there first refresh time