HDFC LE analysis

[MONEY]

Anyone with 2 or more card has received LE from HDFC, if yes , please share your utilization , place where you spend , card in which you spend, and card in which you got LE.


I have not got LE for the last 3 years. Have 3 cards.my spends are around1 lak on infinia.

 

[brightknight]

i got LE from 1.37L to 1.64L in tata neu plus LTF. have accepted the new limit & sent an email for an upgradation request from Tata Neu Plus to Infinity. waiting for their reply.

 

[Homer2]

Are you maintaining high NRV with the bank or do you have salary account with them?

I maintain MAB of 5k only. My salary gets credited to this account but it's a regular account. Savings account is 5 years old and card is 3 years old. Used to be preferred account but downgraded to standard from last 6 months.

 

[Homer2]

What is your relationship with HDFC and your spending pattern on the card?

Only SB account. Swiped 80k in August 2023 and 62k this month. No high value transactions. Regular usage about 15k every month.

 

[Strange]

Only SB account. Swiped 80k in August 2023 and 62k this month. No high value transactions. Regular usage about 15k every month.

Did you spend on hotel booking or flight tickets booking? Or Did you use this card to buy apple product? 🤔

 

[neo.puneet]

Did you spend on hotel booking or flight tickets booking? Or Did you use this card to buy apple product? 🤔

what's the mystery behind this question dr. strange?

 

[Homer2]

Did you spend on hotel booking or flight tickets booking? Or Did you use this card to buy apple product? 🤔

No such transactions. Only booking I did was on Agoda that too less than 10k transaction. Previously I used my card for bigger transactions but got only 8k LE.

 

[Strange]

what's the mystery behind this question dr. strange?

Post in thread 'Hdfc cc new limit'

May 22, 2024

how did you do that?
How was your spending?

First year it was too much as per the limit.
No LE

Shifted to sbi and atlas
Minimal use of hdfc YT subscription mandate, or sale offer.

But last statement bought 2 mac mini.
First I thought it triggered that.

Previously I did sent income documents via mail they rejected.
Secondly I thought that they would be re considering their rejection and gave LE. But it's Hdfc 😆

But finally many got LE so it's routine revision ig.

• dealminer

• 
• 

. .

 

[IamTRoy4]

Is it good to take LE from here?

Credit Card Limit Enhancement - Benefits to Increase Credit Card Limit | HDFC Bank

Check out the eligibility, fees, & benefits of Credit Card Limit Enhancement & avail best deals. Increase your credit card limit by paying all your dues on time.

www.hdfcbank.com

I got 50K limit, 1.5y old Card, after logging in it's showing new limit 60k.

 

[brightknight]

i got LE from 1.37L to 1.64L in tata neu plus LTF. have accepted the new limit & sent an email for an upgradation request from Tata Neu Plus to Infinity. waiting for their reply.

My plus card has been upgraded to infinity and new card has been activated but isn't my old card should have been deactivated? It's been 2 weeks and both of my cards are still active.

 

[IamTRoy4]

My plus card has been upgraded to infinity and new card has been activated but isn't my old card should have been deactivated? It's been 2 weeks and both of my cards are still active.

Wait for 45 days.

 

[desiviru]

For me HDFC LE triggered for Millennia whenever I crossed 40-45% usage of CC limit. It happened everytime. Journey started from 2L, 3L, 3.8L is now at 5L. ICICI Sapphiro Amex from date of issuance is 5L (Master Variant as Addon and recently in Feb this year Rupay LTF also added as addon to it), SBI also gave LE 2 times, Axis- 0, PNB from 1L to 2L to 3L to 5L. Now lowest is with SBI Cashback at 80K. Next month it will be 75K spends and lets see if it triggers SBI or not or I see as per our internal checks you already have highest limit we can offer. haha

Paid card is only SBI SimplyClick and Cashback. Rest LTF or converted to LTF by banks. So currently CC limit for all banks stand at ~21.5L. CIBIL- 782 (fell due to SBI cashback card approved recently). Thinking of moving Axis MyZone LTF to paid Axis Airtel but myzone is a core card and I really don't know where to use it. Next is PNB Rupay Platinum CC which gets used for UPI payments sometimes and give 0.5% rewards which is becoming 0.25% from Sep 1. So only SBI, HDFC and ICICI are more active with me and covers spend easily.