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

 

[sunit123]

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

Have patience...Once payment is cleared, you will receive LE (for sure)

 

[JSK111]

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

Wait till atleast next statement cycle.

You need to affirm the bank that you can pay thay too

 

[aniketkr.sharma]

I

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

I already did 2.5 lakhs in one shot transaction still no luck.

 

[Sobirvs]

Have patience...Once payment is cleared, you will receive LE (for sure)

payment has already setting by the merchant.

Oh, do you mean once hdfc get's payment from my brother? ya he has auto debit for 25th feb due date.

 

[aniketkr.sharma]

Wait till atleast next statement cycle.

You need to affirm the bank that you can pay thay too

If they can't affirm after spending 7.5 lakhs on RG within 8 months & paid all, then i don't think they even care

 

[Sobirvs]

Have patience...Once payment is cleared, you will receive LE (for sure)

btw the spends were 75k retail, 25k jio/bsnl payments, and 3L insurance spend of hdfclife on payzapp, these spends are fine right for LE trigger?

 

[aniketkr.sharma]

M

btw the spends were 75k retail, 25k jio/bsnl payments, and 3L insurance spend of hdfclife on payzapp, these spends are fine right for LE trigger?

Maybe or maybe not there system sucks as usual

 

[JSK111]

If they can't affirm after spending 7.5 lakhs on RG within 8 months & paid all, then i don't think they even care

On the other side. You may already be having peak limit as per banks's criteria.

 

[praveensudhakaran]

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

No enhancements for the last 3 years. I tried all the ways and the response was "I am already enjoying the best from them". So Regalia Gold is in the cupboard!

 

[aniketkr.sharma]

On the other side. You may already be having peak limit as per banks's criteria.

Yeah with RG now 1.05 lakhs lol

 

[JSK111]

Yeah with RG now 1.05 lakhs lol

As someone said, you are already enjoying the best from them 😉

 

[aniketkr.sharma]

As someone said, you are already enjoying the best from them 😉

Is it the best even less than half of my salary lol

 

[JSK111]

Is it the best even less than half of my salary lol

Just thoughts. You can try fresh hdfc cc application for any other card with your new salary structure. I have seen people get enhanced limit with additional card. The application will atleast push your income details into bank's system.

 

[aniketkr.sharma]

Just thoughts. You can try fresh hdfc cc application for any other card with your new salary structure. I have seen people get enhanced limit with additional card. The application will atleast push your income details into bank's system.

Again adding buffer time of 6 months and even after that they will not approve dcbm, still will allow regalia gold as new criteria comes in then why closing regalia gold and also not sure what limit they will provide, as already suffered they everytime decreasing my limit to half.

Earlier having 3 lacs limit paytm select hdfc then after closing got 1.5 lacs limit, don't want to take the risk again.

My Regalia gold is ltf so keeping it in drawer now.

 

[sunit123]

btw the spends were 75k retail, 25k jio/bsnl payments, and 3L insurance spend of hdfclife on payzapp, these spends are fine right for LE trigger?

I think...no...utility and bill payment are not profitable for bank.

 

[sunit123]

Again adding buffer time of 6 months and even after that they will not approve dcbm, still will allow regalia gold as new criteria comes in then why closing regalia gold and also not sure what limit they will provide, as already suffered they everytime decreasing my limit to half.

Earlier having 3 lacs limit paytm select hdfc then after closing got 1.5 lacs limit, don't want to take the risk again.

My Regalia gold is ltf so keeping it in drawer now.

Use regularly and frequently for LE...out of sight is out of mind

 

[aniketkr.sharma]

Insurance is never considered. Banks don't consider government spends, insurance policies, fuel spends and so on.
For such transactions, they might consider giving you biz cards, fuel cards and so on.

This was hilarious 😂

 

[Sobirvs]

Insurance is never considered. Banks don't consider government spends, insurance policies, fuel spends and so on.
For such transactions, they might consider giving you biz cards, fuel cards and so on.

I actually asked red g team on email about this and they said it counts for upgrade. Not sure about LE trigger.

Whole convo - I specifically asked for insurance spends and emi.

 

[aniketkr.sharma]

I actually asked red g team on email about this and they said it counts for upgrade. Not sure about LE trigger.

Whole convo - I specifically asked for insurance spends and emi.

View attachment 83725

Some people just want there attention as of now.

Don't take that much seriously

 

[aniketkr.sharma]

Use regularly and frequently for LE...out of sight is out of mind

I was using it on daily basis but still no LE.

Minimum 25 days in a month from small amount of transaction to large amounts.

I saw only one thing they want from me is to take loan on card earlier they started with 1 lakhs and now its 7.2 lakhs.🤣