HDFC Limit Enhancement - Nov 23

[Tr7]

Just Received an email for Limit Enhancement for my HDFC Millennia.From 3.4 L to 4.4L 🙂
Check yours too.

 

[Rahul Gupta]

Btw is better to accept an automated CLI or is it better to wait & request a manual CLI via app, net banking, sms etc ?
Also what % would be considered good offer ?

If you have very high income then only go for manual LE otherwise auto LE is best, no cibil enquiry nothing.

 

[paxauquabriba-4876]

If you have very high income then only go for manual LE otherwise auto LE is best, no cibil enquiry nothing.

Makes sense, why go for hard enquiry when it is not required.

 

[Pankhuri]

Lol... You should know how overlimit fees gets charged first.

Reference: https://www.technofino.in/community/threads/help-regarding-idfc-over-limit-fee.19700/post-427079

Example for above post:
Let's assume you have 50k limit, you used 49k & want to use 40k more. Do the 40k or above payment to credit card. Let the 49k & 40k transaction settle (most 3 days).

Oh here I fucked up. I paid up the amount, it reflected in the limit and I thought I was golden and spent the money in next 10 mins. Will keep this info in mind. Thanks.

 

[D₹V]

Oh here I fucked up. I paid up the amount, it reflected in the limit and I thought I was golden and spent the money in next 10 mins. Will keep this info in mind. Thanks.

Glad it helped.

I'll make a detailed thread on this if it's not till yet

 

[AsB]

Once I increased my credit limit, HDFC sent me a notification to increase limit. I was so surprised that HDFC is offering two LEs. When I clicked, the system said that I have the highest possible limit.

 

[D₹V]

Once I increased my credit limit, HDFC sent me a notification to increase limit. I was so surprised that HDFC is offering two LEs. When I clicked, the system said that I have the highest possible limit.

They didn't give us LE but still sent notification 🤣.

 

[Jhon Anand]

Once I increased my credit limit, HDFC sent me a notification to increase limit. I was so surprised that HDFC is offering two LEs. When I clicked, the system said that I have the highest possible limit.

Surprisingly I genuinely received 2 LE, maybe due to high usage.

 

[shrewdoc]

Surprisingly I genuinely received 2 LE, maybe due to high usage.

Time gap? And what % of your original one?

 

[RishiKiDev]

Surprisingly I genuinely received 2 LE, maybe due to high usage.

How much was your usage of total credit limit in last 6 months?

 

[nikzcool]

No LE for me as well. Stuck at same for last 14-15 months.(or even more)
Spends are also very good.

Probably no LE because I Got the dcbm last month.

 

[raghu.rokda]

Surprisingly I genuinely received 2 LE, maybe due to high usage.

How many hdfc cards do you have?

 

[Jhon Anand]

Time gap? And what % of your original one?

First I was getting offer of 37k limit increase which was very less since 1.5 months, I didn't accept that, but the notification and all got annoying and tempting so I took it last week. I did via WhatsApp message but there was some error. Next day hdfc agent called me and did it over IVR. Two days later I got limit increase notification from app. Pressed that, went to website and saw 1.2L limit increase now, accepted it.

 

[Jhon Anand]

How much was your usage of total credit limit in last 6 months?

Mostly above 50% and couple of times 80%

 

[Jhon Anand]

How many hdfc cards do you have?

Only 1. Want to get floater but looks like that's only available to select few via pre-approved 😢😢

 

[maverick]

Got 95k to 2lac limit enhancement, immediately I wrote a mail for upgradation of Tata neu plus to infinity LTF, 🤞!

 

[D₹V]

Got 95k to 2lac limit enhancement, immediately I wrote a mail for upgradation of Tata neu plus to infinity LTF, 🤞!

LTF nahi hoga, par upgrade ho jayega FYF.

 

[maverick]

LTF nahi hoga, par upgrade ho jayega FYF.

Plus ltf hi hai

 

[RishiKiDev]

Plus ltf hi hai

Arey wo bol rha hai ki tera plus jab upgrade hoga toh woh ltf nahi rahega
Infinity paid wala milega tereko

 

[Akashn]

Arey wo bol rha hai ki tera plus jab upgrade hoga toh woh ltf nahi rahega
Infinity paid wala milega tereko

Wrong. Jitna padha hai forums pe Infinity LTF rahega if Plus is LTF

 

[akshayhs]

So technically we can check every month?