HDFC Limit Enhancement Offer

[CardSeeker]

Today Received Mail regarding HDFC LE

PLease check urs

Limit Increased from 1,25,000 to 1,40,000

 

[CardSeeker]

Does checking LE will get cibil enquiry?

I tried to check in mycards.hdfcbank.com
View attachment 9884

No

 

[Deleted member 5552]

I heard that regalia limit starts from 3L

Then what you heard is wrong

 

[Divyank gulabani]

My Infinia limit increased by 33%. Did not get any sms though. Checked in net banking after seeing this thread and limit enhancement offer was available

Can you please help me how to check in net banking ?

 

[suhailmz]

Does checking LE will get cibil enquiry?

I tried to check in mycards.hdfcbank.com
View attachment 9884

When offered from the bank directly, there won’t be any enquiry. If you reach out to the bank and request for LE, some issuers trigger a CIBIL enquiry, Axis did it with me last year.

 

[suhailmz]

Can you please help me how to check in net banking ?

Go to your Cards section, then to Request section.

 

[maverick]

Any of u closed the card and applied again?

How many months gap is required ?

1 month

 

[sourpai]

Can you please help me how to check in net banking ?

There are 2-3 ways. This is what I did

When you login to main page, go to offers section (at the right most side). Within that tab, you will see lot of loan offers and credit card limit enhancement offer also

Alternatively, you can check the notifications section in the app. It is with the envelope icon.

 

[souvikr]

Then what you heard is wrong

whatever

 

[Rajkumar]

Have. You tried it

 

[maverick]

Yes, i closed my moneyback in oct and applied millennia in nov. c2c basis on apay 2.9lac limit got 95k limit.

 

[Deleted member 5552]

Yes, i closed my moneyback in oct and applied millennia in nov. c2c basis on apay 2.9lac limit got 95k limit.

I also closed MoneyBack card in October. The reason was only low limit and no upgrade since 3 years.

 

[Deleted member 5552]

whatever

Actually their credit card team may follow rules accordingly. But when their system generates offer, customer gets card upgrade offer with low limit.

My friend had 10k limit in Indian Oil card, he maintained lakhs in account and his card upgraded to Millennia (Pre approved offer). But he still has 12k limit

 

[Rajkumar]

Did you applied again,if yes what is the old and new limit.

I am also thinking to close my millenia which is stuck at 125k

 

[Rahul92]

My HDFC card is 8 yrs old and it's oldest in my kit. Still I'm using Millennia with 150K limit and no limit increase since past 3 yrs.

I also can't close it since it's my oldest card , just keep on using it at the mercy of HDFC

 

[maverick]

I also closed MoneyBack card in October. The reason was only low limit and no upgrade since 3 years.

My limit was 3lac and I had upgrade offer of paid indico xl, as a result I closed my card and reapplied.

 

[souvikr]

Actually their credit card team may follow rules accordingly. But when their system generates offer, customer gets card upgrade offer with low limit.

My friend had 10k limit in Indian Oil card, he maintained lakhs in account and his card upgraded to Millennia (Pre approved offer). But he still has 12k limit

Millenia has pretty much easy eligiblility criteria so it's possible in case of millenia. AFAIK Regalia is a mid level premium card so they provide upgrade offer only if your existing card meets the minimum limit criteria or they provide limit enhancement + upgrade offer together to meet the minimum limit criteria.

 

[Rajkumar]

My limit was 3lac and I had upgrade offer of paid indico xl, as a result I closed my card and reapplied.

What is new limit after re applying

 

[Rahul92]

Exact same case with me but I have closed my credit card although being the oldest card in my portfolio. I do have other credit cards which will help me to regain my credit score back after a few months/years as I do not have any plans to get a new credit card for the next few years.

Will reapply for HDFC ? Which card / limit do you want ?

 

[Deleted member 5552]

But many people hold Regalia credit card with less than 1 lakh. I can't understand why do you have unnecessary doubt on this matter.... I know a friend personally who had limit of 60k some years above.

Millenia has pretty much easy eligiblility criteria so it's possible in case of millenia. AFAIK Regalia is a mid level premium card so they provide upgrade offer only if your existing card meets the minimum limit criteria or they provide limit enhancement + upgrade offer together to meet the minimum limit criteria.

 

[souvikr]

But many people hold Regalia credit card with less than 1 lakh. I can't understand why do you have unnecessary doubt on this matter.... I know a friend personally who had limit of 60k some years above.

I don't have any doubt. I didn't want to argue either. I know that there are always exceptions and many people get the cards without even qualifying basic eligibility criteria. But think logically why someone would pay rs 2500 + gst for meagre 60k limit? I also know that many people get it LTF. What I meant to say is people generally get higher limit for this premium card.