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HDFC Credit Limit Increased from 15.5 lakh to 17.05 Lakh

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Sobirvs said:
update : So HDFC's automated system sms'ed me saying setu your hdfc card xxxx pin instantly via mycards, incidently they revealed last 4 digits of the card in that sms and then i checked in bbps and ya millenia isn't taking the payment as the card is being upgraded/trxnsfrd but regalia gold upgraded card is taking the payments. This is funny coz i used mil card just 2 hrs back on zomato and it works, so credits on the mil isn't working(bbps) but debits do? what if zomato or some merchant had to refund to my mil card as i paid thru it? the card won't accept credits lol? very silly policy of hdfc...

anyways I have a Q, let's say I do the payment on regalia (bill is actually for millenia), will regalia get automatically activated?? I was thinking of sitting on regalia gold for 30 days before they call me and might offr me LTF lol.. should i do the payment or wait perhaps? my due date is 10th march
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Millennia will not work after activating regalia gold and do you really think hdfc will call you to activate (if they call its good but what if they don't call and your card gets deactivated?)
 
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aniketkr.sharma said:
Millennia will not work after activating regalia gold and do you really think hdfc will call you to activate (if they call its good but what if they don't call and your card gets deactivated?)
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I don't care if the card get's deactivated, but does that mean I will lose both RG and mil? if yes, then surely I will activate 3-4 days before 30 days.

and I just added the card to mycard hdfc web app, it asked me to activate too which I didn't do. And will they call me? who knows? but if they do, then no harm no?

and I just want bit of negotiation here. My mil is LTF so I can say when I asked for upgrade, I thought it was LTF... some BS.

If they don't budge, I will ofc activate then.... I don't want to lose my card. My history with hdfc is good. But one thing is also coming in my mind that I shd just close my core hdfc cards. Just keep swiggy and then after 3-6 months, apply via C4C basis from a mall and ask for DCB may be, I hear they are giving DCB for NTB customers via c4c if someone's limit of diff credit card is more than 5L
 
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Sobirvs said:
I don't care if the card get's deactivated, but does that mean I will lose both RG and mil? if yes, then surely I will activate 3-4 days before 30 days.

and I just added the card to mycard hdfc web app, it asked me to activate too which I didn't do. And will they call me? who knows? but if they do, then no harm no?

and I just want bit of negotiation here. My mil is LTF so I can say when I asked for upgrade, I thought it was LTF... some BS.

If they don't budge, I will ofc activate then.... I don't want to lose my card. My history with hdfc is good. But one thing is also coming in my mind that I shd just close my core hdfc cards. Just keep swiggy and then after 3-6 months, apply via C4C basis from a mall and ask for DCB may be, I hear they are giving DCB for NTB customers via c4c if someone's limit of diff credit card is more than 5L
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No, millennia will continue as it may have outstanding.
 
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aniketkr.sharma said:
No, millennia will continue as it may have outstanding.
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cards can close even if outstanding and then banks tell u to clear them after close..

but ofc that would mean me defaulting the due date, which I have never done even single time in last 8-9 yrs of me having cc's.

So I guess my only option is to make the payment on regalia and pray to god that they don't consider that payment as a sign of card used hence auto activation.
 
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Sobirvs said:
update : So HDFC's automated system sms'ed me saying setu your hdfc card xxxx pin instantly via mycards, incidently they revealed last 4 digits of the card in that sms and then i checked in bbps and ya millenia isn't taking the payment as the card is being upgraded/trxnsfrd but regalia gold upgraded card is taking the payments. This is funny coz i used mil card just 2 hrs back on zomato and it works, so credits on the mil isn't working(bbps) but debits do? what if zomato or some merchant had to refund to my mil card as i paid thru it? the card won't accept credits lol? very silly policy of hdfc...
T
Click to expand...
There might be some issue. Wait a little bit. Or try through other sites. You certainly can pay through net banking.

Sobirvs said:
anyways I have a Q, let's say I do the payment on regalia (bill is actually for millenia), will regalia get automatically activated??
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Most likely. Any change/acknowledgement can activate the cc. So wait if you don't want to keep rg.
You are in imperia? Then contact your bm/ch. They can make it ltf easily. But aren't you planning to spend more to get infinia? Then why bother for ltf?
 
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sidp said:
You are in imperia? Then contact your bm/ch. They can make it ltf easily. But aren't you planning to spend more to get infinia? Then why bother for ltf?
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i am imperia ya I do, but if I get LTF then isn't great. And I don't mind spending 9-10L, my main concern is my limit of the card that is 3.45L so even if I do spends , that still doesn't guarantees me for infinia.

Also who knows, alot can happen in a year, may be hdfc launches infinia reserve or may be hdfc devalues infinia to the core, then who willl need that... just in my head. Payment thru imps/neft etc makes sense, let's see what other options are there, I have till 10th mar to make that decision i guess
 
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Sobirvs said:
i am imperia ya I do, but if I get LTF then isn't great. And I don't mind spending 9-10L, my main concern is my limit of the card that is 3.45L so even if I do spends , that still doesn't guarantees me for infinia.

Also who knows, alot can happen in a year, may be hdfc launches infinia reserve or may be hdfc devalues infinia to the core, then who willl need that... just in my head. Payment thru imps/neft etc makes sense, let's see what other options are there, I have till 10th mar to make that decision i guess
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Ch can make it ltf. For dcb /infinia they need approval from higher ups.(now all approval for dcb/infinia is on hold except for ias/ips.
 
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Sobirvs said:
CH? means?

Can you or someone tell me strategy how to conv regalia gold to LTF? For now, my strategy is only to wait 30 days but i can escaclate to higher up;s but whr to?
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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.
 
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sidp said:
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.
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I have standard banking and my RG is LTF
 
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No LE for more than a year now, and even the RM is suggesting to close the card at this point. Apparently they can't do limit increase and card upgrade at the same time 🙂
 
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sidp said:
There will be hard enquiry. As Hdfc loves to do hard enquiries, they might even do Multiple enquiries
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Thought so, they did 3 hard enquires for a FD backed credit card 🙂 and I even tried raising a dispute but to no avail.

sidp said:
By online I meant mail. When you mail for card upgrade. They will ask your consent for application of le and card upgrade
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What about card to card or something else? I don't want to just take a chance on HDFC at this point, I would rather continue with my current ones and let this one exist XD
 
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Shell said:
Thought so, they did 3 hard enquires for a FD backed credit card 🙂 and I even tried raising a dispute but to no avail.


What about card to card or something else? I don't want to just take a chance on HDFC at this point, I would rather continue with my current ones and let this one exist XD
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Card 2 card will give you moneyback, freedom and max to max millennia
 
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