HDFC Millennia credit limit enhancement & upgrade

[Lucious.Flamel]

HDFC is rolling out limit enhancements this morning. Do check your cards!

That is undoubtedly a considerable enhancement for me.



Since my Millennia is LTF, I will look forward to an LTF upgrade or no upgrade.

Cheers

 

[Rahul Gupta]

In the last two months around 1.5-2L

bro do you keep your bill under 30% or not? is it a myth that keeping bill under 30% will help for limit enhancement?

 

[himaga]

bro do you keep your bill under 30% or not? is it a myth that keeping bill under 30% will help for limit enhancement?

I always repay before bill generation.

 

[SamPtnk]

bro do you keep your bill under 30% or not? is it a myth that keeping bill under 30% will help for limit enhancement?

I spent all my 30k and 55k limit and was upgraded 3 times . It took 1.7 years
30K>55k>120k>148K > Mill offer

Plus Hdfc does not report your Credit Limit to cibil , only the spends
So even if you spend 30% your report will show 100% utilization

To over come this spend all the limit in 1 billing cycle and there after you can go 30%

 

[Rahul Gupta]

I always repay before bill generation.

so you don't leave even a rupee for bill?

 

[himaga]

so you don't leave even a rupee for bill?

Mostly yes but sometimes there is 3-4K left but that's mostly because of the delay in the visibility of that transaction in the statement.

 

[Rahul Gupta]

Mostly yes but sometimes there is 3-4K left but that's mostly because of the delay in the visibility of that transaction in the statement.

damn i thought leaving high amount for bill generation helps in getting card upgrade. no wonder i didnt get any upgrade yet and you have DCB.

 

[Hisoka]

HDFC is rolling out limit enhancements this morning. Do check your cards!

That is undoubtedly a considerable enhancement for me.

View attachment 7941

Since my Millennia is LTF, I will look forward to an LTF upgrade or no upgrade.

Cheers

Mine is also Millenia 7 months old LTF. No limit increase for me

 

[LordVoldemort]

I had actually applied for manual Limit enhancement, CC is confirming that it is enhanced. But my netbanking page is not reflecting anything and there is no quantum of enhancement in the mail. Any ideas?

 

[himaga]

damn i thought leaving high amount for bill generation helps in getting card upgrade. no wonder i didnt get any upgrade yet and you have DCB.

I also have a banking relationship with HDFC, this year I moved my salary account to HDFC. Got an upgrade from Regalia First to DCB. So HDFC does value banking relationship a lot.

 

[BCh]

I also have a banking relationship with HDFC, this year I moved my salary account to HDFC. Got an upgrade from Regalia First to DCB. So HDFC does value banking relationship a lot.

Did they offer LTF DCB for your salary account?

 

[himaga]

Did they offer LTF DCB for your salary account?

Nope.