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

 

[aniketkr.sharma]

But you can always go to RBI Ombudsman if you are not satisfied with the reason provided by any Bank. Even if they reject your card, and doesn't give you a proper reason, you can approach RBI Ombudsman.

Try and let us know about this stupidity too

 

[nandhakumar]

any one get LE on business cards ?

I also have business regalia card and card vintage 9 years and last limit increase 4 years ago.now limit is 2.73k.when I ask to increase the limit nothing happen.declined everytime

 

[bhavik886151]

I also have business regalia card and card vintage 9 years and last limit increase 4 years ago.now limit is 2.73k.when I ask to increase the limit nothing happen.declined everytime

you mail documents and ITR/payslip or any other way to ask for LE

 

[nandhakumar]

you mail documents and ITR/payslip or any other way to ask for LE

I tried many times I have itr 8 laks only...

 

[nandhakumar]

If the card vintage is 9 years and your limit is 2.73k, then there must be something wrong with your business. Just check your income vs obligations, any missed payments, are you not using your card at all, did you use your card for personal transactions?

this is business regalia card and I was using full limit every month.i think that's the problem using full limit.
9 Years not missed single Payment.

 

[Dharm]

I also have business regalia card and card vintage 9 years and last limit increase 4 years ago.now limit is 2.73k.when I ask to increase the limit nothing happen.declined everytime

2.73k means?? Your limit is just 2730 rs. ??? Or am i missing something??

 

[nandhakumar]

2.73k means?? Your limit is just 2730 rs. ??? Or am i missing something??

2 lakh 73 thousand

 

[Dharm]

2 lakh 73 thousand

Ok you mean 2.73L, sorry for misunderstanding

 

[nandhakumar]

Even I misunderstood it as 2370.
But if you are utilising every month to the full, then there is a danger of your commercial CIBIL being in the ranks of 7-9. i.e. credit hungry, peak utilisation.
And this can be one of the reason why the limit will not be increased.

Yes.me also thinking this the reason for limit is not increased.so.i will pay the full amount next month and stop using card. .

 

[Credit_Cards]

Even I misunderstood it as 2370.
But if you are utilising every month to the full, then there is a danger of your commercial CIBIL being in the ranks of 7-9. i.e. credit hungry, peak utilisation.
And this can be one of the reason why the limit will not be increased.

I was told be BM and RM that I need to use card more for LE as I am not using not getting LE

 

[Dharm]

I was told be BM and RM that I need to use card more for LE as I am not using not getting LE

I am on 9L with hdfc regalia since 2017, not teceived any LE offer after that

 

[sunit123]

After 1 month, received one more limit enhancement in Jan'25 from 17.05 lakh to 18.75 lakh...Total limit enhancement of 3.25 lakh within 1month

 

[aniketkr.sharma]

After 1 month, received one more limit enhancement in Jan'25 from 17.05 lakh to 18.75 lakh...Total limit enhancement of 3.25 lakh within 1month

View attachment 83569

Here i am with 1.05 lakhs on regalia gold getting NO LE from last 8 months

 

[Credit_Cards]

Here i am with 1.05 lakhs on regalia gold getting NO LE from last 8 months

I got HDFC CC in 2021 with 1.25L limit and guess current limit ? Still 1.25L

 

[aniketkr.sharma]

I got HDFC CC in 2021 with 1.25L limit and guess current limit ? Still 1.25L

I loosed hope from hdfc for any upgrade or LE,
After spending 7.5 lakhs in 8 months they even didn't consider upgrade for dcbm either.

Moved to icici emarlde, maybe after spending 10 lakhs they will give emarlde private metal.

 

[Credit_Cards]

I loosed hope from hdfc for any upgrade or LE,
After spending 7.5 lakhs in 8 months they even didn't consider upgrade for dcbm either.

Moved to icici emarlde, maybe after spending 10 lakhs they will give emarlde private metal.

Great choice, I cant get ICICI CC either 🙁

 

[Sobirvs]

I loosed hope from hdfc for any upgrade or LE,
After spending 7.5 lakhs in 8 months they even didn't consider upgrade for dcbm either.

Moved to icici emarlde, maybe after spending 10 lakhs they will give emarlde private metal.

great choice. ICICI just today stopped any upgrade to emarlade regardless paid or otherwise.

 

[JSK111]

Sometimes the key is to do some single shot big transactions to get LE offers.

 

[sunit123]

Sometimes the key is to do some single shot big transactions to get LE offers.

exactly...we made transaction of 1.8 lakh in 1st week of Jan'25...I think this transaction triggered LE.

 

[Sobirvs]

Sometimes the key is to do some single shot big transactions to get LE offers.

My brother did 3.06L trxn and 75k trxn , total 4L trxns in last 7 days, No LE offer.