HDFC limit enhancement issue

[MkSaini]

I wanted to increase the limit of my HDFC credit card, so I went to the HDFC branch with the credit card form and they said ITR return file for 3 years is required and I live near a metro city, They said that the minimum is 10 lakhs ITR required for limit increase and I have ITR filed for Rs. 6.30 lakh.
Currently i have 90k limit and 2 years IT return
So what should i do ?
Guys please help me

 

[bhaveshS]

No i shared 2 year ITR of 6.75k

Online email or offline form route??

 

[card-shard]

Weird thing happened to me:
I sent payslips to priority redressal for LE.
They denied request in May first week. Till now there is no hard-enquiry in my CIBIL.

Context: got my 2nd HDFC card in 2023.
Last LE : Oct-2022, (auto-LE), No LE after that.

I hv read recently here (including twitter post) that ppl having multiple cards are having issues with auto-LE.
Does anyone else has any other insights on why LE req was rejected without CIBIL enquiry?

 

[MkSaini]

Weird thing happened to me:
I sent payslips to priority redressal for LE.
They denied request in May first week. Till now there is no hard-enquiry in my CIBIL.

Context: got my 2nd HDFC card in 2023.
Last LE : Oct-2022, (auto-LE), No LE after that.

I hv read recently here (including twitter post) that ppl having multiple cards are having issues with auto-LE.
Does anyone else has any other insights on why LE req was rejected without CIBIL enquiry?

I also had 3 cards i closed 2 of them 1 month ago

 

[bhaveshS]

Online email or offline form route??

. . .

 

[MkSaini]

Online email or offline form route??

Online, offline they told me 3 years ITR and 10 lakh minimum 🤣🤣🤣

 

[MkSaini]

other than mailing them physically to chennai office, is there no other way?

Auto limit enhancement you have to wait atleast 1.5 years after card issue
I got limit enhancement 15k to 80k axis Bank after 1.6 years

 

[brightknight]

Auto limit enhancement you have to wait atleast 1.5 years after card issue
I got limit enhancement 15k to 80k axis Bank after 1.6 years

for axis bank i got it in 6months & after that no LE & it's been more than 1.6 years

 

[Nishan11]

for axis bank i got it in 6months & after that no LE & it's been more than 1.6 years

Fastest way for good limit in axis is by doing C2C for any of their mid to premium cards by using your highest limit with other credit card.

I had privilege & airtel with decent limit.

Applied Atlas C2C by using my ICICI card having 10 L limit & axis matched it. So all my Axis cards share 10 L limit.

After new limit, you can close the card you don't need.

 

[brightknight]

Fastest way for good limit in axis is by doing C2C for any of their mid to premium cards by using your highest limit with other credit card.

I had privilege & airtel with decent limit.

Applied Atlas C2C by using my ICICI card having 10 L limit & axis matched it. So all my Axis cards share 10 L limit.

After new limit, you can close the card you don't need.

Well, I need a Limit Enhancement for my HDFC Tata Neu+ card for the Infinity conversion only. I am okay with the limits of all other cards.

 

[Nishan11]

Well, I need a Limit Enhancement for my HDFC Tata Neu+ card for the Infinity conversion only. I am okay with the limits of all other cards.

I am in same boat. They told me to send income documents to their Chennai office. I was going to send last week but didn't got time.

Today gonna send 3 month pay slip, ITR, form 16 by speed post.

No harm in trying. Waiting for pre approved LE can be tiresome.

 

[MkSaini]

Fastest way for good limit in axis is by doing C2C for any of their mid to premium cards by using your highest limit with other credit card.

I had privilege & airtel with decent limit.

Applied Atlas C2C by using my ICICI card having 10 L limit & axis matched it. So all my Axis cards share 10 L limit.

After new limit, you can close the card you don't need.

wow how to apply

Fastest way for good limit in axis is by doing C2C for any of their mid to premium cards by using your highest limit with other credit card.

I had privilege & airtel with decent limit.

Applied Atlas C2C by using my ICICI card having 10 L limit & axis matched it. So all my Axis cards share 10 L limit.

After new limit, you can close the card you don't need.

Wow, how to apply with C2C method please tell me ?

 

[Nishan11]

wow how to apply

Wow, how to apply with C2C method please tell me ?

Contact @Alwàys_Bélîevé_Yøursélf🎯 for Axis card application through C2C.

 

[MkSaini]

Well, I need a Limit Enhancement for my HDFC Tata Neu+ card for the Infinity conversion only. I am okay with the limits of all other cards.

Same bro i want upgrade on my PAYTM HDFC useless to millennia our new pixel card atleast 🥲🥲

 

[Nishan11]

After sending mail to grievance redressal for limit increase & card upgrade to millenia ( Currently have Tata Neu Plus ), today they agreed for millenia conversion subject to internal approval. But not going to increase limit. They want my consent & scanned copy of upgradation form.

Email was sent on 14th MAY.

The thing is, Yesterday I sent income documents to Chennai office of hdfc cards for limit increase & upgrade to infinity ( I thought millenia will not be offered as upgrade from co brand ).

I am unable to decide whether to wait for my speed post to their Chennai office to deliver & wait for their reply. Or accept millenia upgrade without LE through email.

@SSV

 

[bhaveshS]

After sending mail to grievance redressal for limit increase & card upgrade to millenia ( Currently have Tata Neu Plus ), today they agreed for millenia conversion subject to internal approval. But not going to increase limit. They want my consent & scanned copy of upgradation form.

Email was sent on 14th MAY.

The thing is, Yesterday I sent income documents to Chennai office of hdfc cards for limit increase & upgrade to infinity ( I thought millenia will not be offered as upgrade from co brand ).

I am unable to decide whether to wait for my speed post to their Chennai office to deliver & wait for their reply. Or accept millenia upgrade without LE through email.

@SSV

Yeh toh chamtkar hogaya tum pehle bande ho jisko cobranded se core m upgrade krne ko raji huwa hai hdfc
Tumara naam shonero aksar m likha jayega TF community m

 

[SSV]

After sending mail to grievance redressal for limit increase & card upgrade to millenia ( Currently have Tata Neu Plus ), today they agreed for millenia conversion subject to internal approval. But not going to increase limit. They want my consent & scanned copy of upgradation form.

Email was sent on 14th MAY.

The thing is, Yesterday I sent income documents to Chennai office of hdfc cards for limit increase & upgrade to infinity ( I thought millenia will not be offered as upgrade from co brand ).

I am unable to decide whether to wait for my speed post to their Chennai office to deliver & wait for their reply. Or accept millenia upgrade without LE through email.

@SSV

Being a public servant you should know this.
HDFC is also like one of those as you know..

My guess , just wait..basis your numbers support my theory..
Whatbis current CL and income ?
Do you think it warrants CLE?

 

[Nishan11]

Being a public servant you should know this.
HDFC is also like one of those as you know..

My guess , just wait..basis your numbers support my theory..
Whatbis current CL and income ?
Do you think it warrants CLE?

Current limit is 2 L.

Income is 3.07 L /month. Itr 45 L.

Hdfc generally have good offers. 2 L is low limit as compared to my other cards.

 

[imdjay]

Current limit is 2 L.

Income is 3.07 L /month. Itr 45 L.

Hdfc generally have good offers. 2 L is low limit as compared to my other cards.

HDFC gives 3x monthly net income as limit
Hence your CL can go upto 9.5L

 

[Nishan11]

HDFC gives 3x monthly net income as limit
Hence your CL can go upto 9.5L

Anything above 5 L is fine for me. Lets see what they reply.

 

[Nishan11]

So after sending income documents ( ITR, Form 16, pay slips & Six months bank statement of salary credit) to hdfc chennai office, now I got call for sending Computation sheet for 23-24 for limit increase review 😂.

Literally they want me to send every possible thing by speed post again & again.

I have now huge respect for BOB, they are much better to deal with for govt employees 😀.