HDFC Limit Increase SCAM

[suhailmz]

Friends, I hold a Regalia card and tried applying for limit enhancement as my current limit is too low compared to my salary. I sent the limit enhancement form along with latest 3 months salary slip but they rejected the documents saying that they need FD Lien as proof, which doesn’t make sense as I hold a salary account with them and that too preferred account. What shall I do now?

 

[suhailmz]

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?

I believe the limit of my previous card, EasyEMI was around 2.75 lakh and it was a direct one. Before that I was using some basic hdfc credit card which I got while opening my account 6 years back. Current limit of Regalia is 3.5 lakh & it’s a first year free card, not LTF.

 

[suhailmz]

I escalated the issue to the grievance team but they too have replied today saying that your card is not eligible for LE and they need FD Lien agreement for LE :/
HDFC sucks!!

 

[Max]

Hi @suhailmz - if they are denying your payslips, basis what I have read on other forum posts, my hunch is that your workplace isn't in their list of approved / known corporates - maybe its a smaller firm / newish firm etc. - do you think that could be the case?

Obviously, this is just my best guess - I could be totally wrong here.

 

[yogobit]

I escalated the issue to the grievance team but they too have replied today saying that your card is not eligible for LE and they need FD Lien agreement for LE :/
HDFC sucks!!

DM me, I'll get LE approved for you using way I got mine

 

[Rohit8055]

As an upgrade from Millenia? Hdfc is offering upgrade to Millenia for all Regalia users, so you were downgraded

I am Millennia Card use.. they are giving me upgrade to Regalia card.. they are saying it's premium card and..... I think Regalia is upgraded version than Millennia...Having more annual fee that millenium, lounge.... Millennia is LTF for me so I have not upgraded my card .

 

[yogobit]

I am Millennia Card use.. they are giving me upgrade to Regalia card.. they are saying it's premium card and..... I think Regalia is upgraded version than Millennia...Having more annual fee that millenium, lounge.... Millennia is LTF for me so I have not upgraded my card .

You just dodged a bullet, Regalia is an absolute sham now

 

[LordVoldemort]

I escalated the issue to the grievance team but they too have replied today saying that your card is not eligible for LE and they need FD Lien agreement for LE :/
HDFC sucks!!

Umm, I am in the same boat. Got a recent decent hike in my salary. Hence applied for LE and card variant upgrade to DCB. Got a reply in ten days, That my limit is increased. I checked it on my app, The same limit. Then pinged them again, They got angry and told me that it is already enhanced. Then took it up to the grievance cell who promptly asked me if I had applied for limit enhancement. Had to explain to them in a three-pager mail with all the calls & emails I already had and they promptly sent a mail rejecting my LE request. At last, I am now just awestruck by how a perfect cc is now in shambles.

 

[amit]

Umm, I am in the same boat. Got a recent decent hike in my salary. Hence applied for LE and card variant upgrade to DCB. Got a reply in ten days, That my limit is increased. I checked it on my app, The same limit. Then pinged them again, They got angry and told me that it is already enhanced. Then took it up to the grievance cell who promptly asked me if I had applied for limit enhancement. Had to explain to them in a three-pager mail with all the calls & emails I already had and they promptly sent a mail rejecting my LE request. At last, I am now just awestruck by how a perfect cc is now in shambles.

welcome to hdfc.🤣

 

[mrtravel]

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.

is this possible in Axis also?

 

[Rocky Bhai]

Friends, I hold a Regalia card and tried applying for limit enhancement as my current limit is too low compared to my salary. I sent the limit enhancement form along with latest 3 months salary slip but they rejected the documents saying that they need FD Lien as proof, which doesn’t make sense as I hold a salary account with them and that too preferred account. What shall I do now?

Mine is regalia too. My limit is increased automatically 2 times in 3 yrs. Had 1.75L and now it's 2.73L

 

[LordVoldemort]

welcome to hdfc.🤣

Such a surprise and no matter how prepared I go, HDFC Will/Would/have thrown bombs at me.

 

[Gaibnoor]

DM me, I'll get LE approved for you using way I got mine

Hi mere pas HDFC millennia credit card hai jab b hdfc app kholta hu toh credit card limit increase ka offer show hota hai link se jake check krta hu toh maximum hai bol k show hora already HDFC ko mail kiya tha uska rpy screen shot send kara
apko dm msg send nai hora

 

[LordVoldemort]

Hi mere pas HDFC millennia credit card hai jab b hdfc app kholta hu toh credit card limit increase ka offer show hota hai link se jake check krta hu toh maximum hai bol k show hora already HDFC ko mail kiya tha uska rpy screen shot send kara
apko dm msg send nai hora

At least they have told that it is an issue at the first place, For me:
Confirmed 1st time:

Confirmed second time:


And then comes the bomb:

 

[suhailmz]

Such a surprise and no matter how prepared you go, HDFC Will/Would/has thrown bombs at me.

Haha; true that.

 

[suhailmz]

Hi @suhailmz - if they are denying your payslips, basis what I have read on other forum posts, my hunch is that your workplace isn't in their list of approved / known corporates - maybe its a smaller firm / newish firm etc. - do you think that could be the case?

Obviously, this is just my best guess - I could be totally wrong here.

It’s Amazon so definitely not the case 🙂

 

[suhailmz]

U

At least they have told that it is an issue at the first place, For me:
Confirmed 1st time:
View attachment 8757
Confirmed second time:
View attachment 8758

And then comes the bomb:
View attachment 8759

My goodness! This is too much.

 

[yogobit]

Looking at all the DMs & replies on this thread, must say HDFC has been extremely favorable to me 😊

 

[suhailmz]

We are jealous 😆

 

[LordVoldemort]

Looking at all the DMs & replies on this thread, must say HDFC has been extremely favorable to me 😊

I am very very very jealous

 

[yogobit]

I am very very very j

Hi mere pas HDFC millennia credit card hai jab b hdfc app kholta hu toh credit card limit increase ka offer show hota hai link se jake check krta hu toh maximum hai bol k show hora already HDFC ko mail kiya tha uska rpy screen shot send kara
apko dm msg send nai hora

I received your DM
Replying in thread for everyone's benefit
First mistake trusting app, its unreliable
Proper way to check 100% genuine custom offer
Netbanking 》 offers
Check does it show LE?
if not don't worry
please share your usage pattern for last 3 months
Limit utilisation %age?
Is it close to 80% consistently & did you pay on last due date?
Any counter question like why 80% or but won'tit affect my credit score & I'll stop responding