HDFC limit enhancement

[krish170794]

Will hdfc provide limit enhancement if loan on credit is existing on that particular card. My card is due for limit enhancement

 

[visvin]

Dude! Why would you take Loan for a LE? You need to get your priority sorted in that regard. LE will happen by itself and with time. Do not take any product from the bank for the hope of LE or a new card. Not worth it.

 

[krish170794]

No

Dude! Why would you take Loan for a LE? You need to get your priority sorted in that regard. LE will happen by itself and with time. Do not take any product from the bank for the hope of LE or a new card. Not worth it.

No man. I didn’t took it for LE. Due to some emergency I did it few months back. I want to know that will hdfc provide LE when loan is existing. 9 months over after last LE

 

[visvin]

Ah! Got it. I misread.
LE is totally dependent on banks internal parameter. I have not rec'd one LE from hdfc since 2019 (ever since I upgraded to Infinia) and it has been my primary card till last yr.
ICICI Amazon upped my limit from 4 to 10 without ever spending 5 figure on that card. Axis bumped it up by 50% in 6mths.
So in summary. You never know.
Plus HDFC was doing LE 2 weeks back. If you were to get it, you would have.

 

[krish170794]

Ah! Got it. I misread.
LE is totally dependent on banks internal parameter. I have not rec'd one LE from hdfc since 2019 (ever since I upgraded to Infinia) and it has been my primary card till last yr.
ICICI Amazon upped my limit from 4 to 10 without ever spending 5 figure on that card. Axis bumped it up by 50% in 6mths.
So in summary. You never know.
Plus HDFC was doing LE 2 weeks back. If you were to get it, you would have.

Yeah that’s why I put the message here. I saw the LE messages here. I want to upgrade it to DCB, spending is 6L plus past six months and cibil is 765. Let’s see

 

[MAHESH9D]

does it make a difference having cc limit above 10 L

 

[Pack_of_Cards]

Will hdfc provide limit enhancement if loan on credit is existing on that particular card. My card is due for limit enhancement

What do you mean by "My card is due for limit enhancement"? isnt it something which banks send on their own.

 

[krish170794]

What do you mean by "My card is due for limit enhancement"? isnt it something which banks send on their own.

I just meant that it is more than 9 months after last LE. Generally banks give LE during this duration

 

[Andy1]

I just meant that it is more than 9 months after last LE. Generally banks give LE during this duration

HDFC is not like that, the very reason their customers are migrating to other cards

 

[LT1]

Yeah that’s why I put the message here. I saw the LE messages here. I want to upgrade it to DCB, spending is 6L plus past six months and cibil is 765. Let’s see

The best way with HDFC is perhaps to explicitly ask for LE/Upgrade.

 

[krish170794]

The best way with HDFC is perhaps to explicitly ask for LE/Upgrade.

How? By writing to grievance redressal

 

[LT1]

How? By writing to grievance redressal

Yes.

 

[nds]

I have an HDFC Credit Card, got it in the year 2014 through bank FD (Did a 1 Lakh FD and got 75000 limit on card). At that time I dont remember the card name, but then got Moneyback card and then Regalia First in 2019. I then got an upgrade offer to Millenia which I didnt take. Didnt get any limit enhancement as the card is on FD. Wrote mails to HDFC for limit enhancement but they seem to be playing around by asking me for additional document or things which were not stated at the start. Kind of losing hope.

 

[binno]

No

No man. I didn’t took it for LE. Due to some emergency I did it few months back. I want to know that will hdfc provide LE when loan is existing. 9 months over after last LE

yes they will . because i got it

 

[bhaveshS]

yes they will . because i got it

Same thing is apply for emi purchase in Flipkart 9 month ?

 

[binno]

Same thing is apply for emi purchase in Flipkart 9 month ?

it doesnt matter .. just your income matters