Actually, they are rejecting your application for a limit increase, it happened to me as well. Apparently, there are other criteria as well when reviewing the limit enhancement.. if your salary is 40 lakh annually then close the card and apply for infinia offline.. The FD thing is also there, they will do FD lien and give you 80% of the limit of FD.. For example, if your original card limit is 3 Lakh and you do a FD of lets say 10 Lakh, so 80% of it = 8 lakh + your orignal card limit of 3 lakh.. so in total you will get 11 lakh limit.
Make regular spends on your Regalia card. HDFC generally provides LE option to cardholders in 12-14 months of card issuance or last LE.
Makes sense. I tried getting help from my RM but it was of no use. You’re right, may b a year usage of card will ring some bells and they will finally offer LE. With a take home salary of 2 lakh and credit score 780, I was hoping to get it soon, but no harm in waiting 🙂
with that salary u can easily get for HDFC Diners club right?
Can't u apply for new card instead of upgrade?
This approach makes sense - your primary constraint right now seems in establishing the credit history and getting the CLE with HDFC. Around the 1 yr mark sounds right to me as well for a CLE, if you don't get an auto-email from them, you can request a CLE and provide salary slips at that point.
Can u try again because today I asked them about it and they said they need salary slips that's all nothing about FD Lien. Since u hold salary account 1 month salary slip would be enough.
It’s so frustrating. I have written to them over email & they are shamelessly claiming that salary slips are not valid & they need FD Lien.
Please escalate the issue to the grievance team or Nodal officer. with your criteria they will surely consider for LE.
Please escalate. and take it to Nodal officer if need be. Escalation email addresses below, in increasing order.
As an upgrade from Millenia? Hdfc is offering upgrade to Millenia for all Regalia users, so you were downgraded
Need some details, what was the limit of the first card you accepted / did you apply directly or through a bank agent? / current limit of Regalia/ is it LTF or strings attached?
