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

 

[Tarun239]

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 😀.

Have they provided any computation sheet or is there any format?

 

[Nishan11]

Have they provided any computation sheet or is there any format?

Nothing. Just want Computation sheet for itr.

 

[Trust Me]

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 was given just 1/6 th of my C4C base CC (HDFC) on my Select CC! It took them more than a year to give further LE on that.

I was a Burgundy customer too. 🙂
.

 

[Trust Me]

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 😂.

Do you know what exactly do they need on that computation sheet? And does it need to be certified by a CA?
.

 

[Nishan11]

I was given just 1/6 th of my C4C base CC (HDFC) on my Select CC! It took them more than a year to give further LE on that.

I was a Burgundy customer too. 🙂
.

I got Axis Atlas with 10 L limit by C4C with ICICI Amazon with same limit. I have no other relation with Axis.

 

[Nishan11]

Do you know what exactly do they need on that computation sheet? And does it need to be certified by a CA?
.

No idea. I asked but they didn't clarify. As you said I assume they want CA certified Computation sheet. But mostly it's asked for business people. Never heard that salaried people have to give this for LE.

I thought Salary Slip, ITR, Form 16, Six month salary credit statement should be sufficient.

 

[Trust Me]

No idea. I asked but they didn't clarify. As you said I assume they want CA certified Computation sheet. But mostly it's asked for business people. Never heard that salaried people have to give this for LE.

That was my idea too! But Axis thought differently for my Magnus application (which would have been approved if I'd agreed to just get the CA certification). --- They apparently don't even trust CBDT's own computation!

So I got annoyed and refused.
.

 

[Trust Me]

I got Axis Atlas with 10 L limit by C4C with ICICI Amazon with same limit. I have no other relation with Axis.

That's the clue! Banks (Axis, HDFC, ...) start disregarding customers as soon as they are trapped into a relationship of whatever value! 🙂
.

 

[Nishan11]

That was my idea too! But Axis thought differently for my Magnus application (which would have been approved if I'd agreed to just get the CA certification). --- They apparently don't even trust CBDT's own computation!

So I got annoyed and refused.
.

I have mailed them to review my LE request on basis of document sent. If they agree, it's good, if not, it's fine too. Can't keep sending everything by post or by email.

 

[Manav24]

Easiest way to get limit enhancement offers on Hdfc credit card is by making a FD of few lacs for few months prior to a festive season, you will surely get a auto limit enhancement offer.

 

[keshav14406]

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

Can you send me a conversion of the process of upgrading “Tata Neu Plus to Millennia” card? please i eant to upgrade my paytm hdfc credit card this is a useless card, i want any core card