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Eligibility Criteria & Suggestions to Increase Credit Limit on HDFC Credit Cards

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Syed Adil Abbas

Syed Adil Abbas

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i am holding hdfc LTF millennia CC with limit of 1.01L (APRIL 2023) and i applied TATA NEU PLUS (Oct 2024)

but TATA NEU Was Chargeable Card so i closed that card before activation

Now i have applied Manually LE for my millennia CC via Email (NOV 2024)

Will i get LIMIT Increase or Due to card closure of TATA NEU will they Reject
 
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Syed Adil Abbas said:
i am holding hdfc LTF millennia CC with limit of 1.01L (APRIL 2023) and i applied TATA NEU PLUS (Oct 2024)

but TATA NEU Was Chargeable Card so i closed that card before activation

Now i have applied Manually LE for my millennia CC via Email (NOV 2024)

Will i get LIMIT Increase or Due to card closure of TATA NEU will they Reject
Click to expand...
Firstly, there's no correlation between LE Req and card closure.

Your LE req will be reviewed based on the docs submitted by u. If they feel u need more limit they will approve ur req but there's nothing to do with neu plus closure in this case.

HDFC is not that generous interms of LE or upgrades.

Good luck.
 
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No
Syed Adil Abbas said:
i am holding hdfc LTF millennia CC with limit of 1.01L (APRIL 2023) and i applied TATA NEU PLUS (Oct 2024)

but TATA NEU Was Chargeable Card so i closed that card before activation

Now i have applied Manually LE for my millennia CC via Email (NOV 2024)

Will i get LIMIT Increase or Due to card closure of TATA NEU will they Reject
Click to expand...
LE is nothing to do with other card closure
 
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Syed Adil Abbas said:
i am holding hdfc LTF millennia CC with limit of 1.01L (APRIL 2023) and i applied TATA NEU PLUS (Oct 2024)

but TATA NEU Was Chargeable Card so i closed that card before activation

Now i have applied Manually LE for my millennia CC via Email (NOV 2024)

Will i get LIMIT Increase or Due to card closure of TATA NEU will they Reject
Click to expand...

If eligible you'll get based on submitted proofs.

Rejection solely based on this, not related to other activity in bank.
 
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hi i got reply from HDFC

We note that you wish to enhance the credit limit assigned on your card account, in order to review card upgrade. On receipt of your e-mail, we have taken up the matter for a detailed review and would like to confirm that we are willing to review an additional credit limit of Rs.14,000.00 from your existing credit limit assigned in your credit card account. We wish to inform that enhancement of limit will be subject to validation of your credit bureaus (CIBIL) and other bank internal verifications. Hence, we request your positive concurrence along with the consent on the appended points from your registered e-mail address on or before November 20, 2024 to enable us to assist you further.
 
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Syed Adil Abbas said:
hi i got reply from HDFC

We note that you wish to enhance the credit limit assigned on your card account, in order to review card upgrade. On receipt of your e-mail, we have taken up the matter for a detailed review and would like to confirm that we are willing to review an additional credit limit of Rs.14,000.00 from your existing credit limit assigned in your credit card account. We wish to inform that enhancement of limit will be subject to validation of your credit bureaus (CIBIL) and other bank internal verifications. Hence, we request your positive concurrence along with the consent on the appended points from your registered e-mail address on or before November 20, 2024 to enable us to assist you further.
Click to expand...

is it within your satisfaction?
 
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Syed Adil Abbas said:
No not at all
but seeing threads HDFC is pathetic in LE or Limits for CC
Click to expand...
Normally for limit Enhancement requests, HDFC gives limit of 2-3 times of your net salary.
In my case they gave 2 times of net salary based on request.
If the new credit limit offer is within 2-3 times of your net salary, then thats the best they would offer.

Rather suggest that dont accept a offer of just 14k. It wont help your target.
This would also block your chances of further limit enhancement by atleast 6 months,
Wait for auto limit enhancement.
 
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helloworld said:
Received 2.5L limit as pre-approved to one of family member account with 5k voucher (not sure TnCs) but the card is "Freedom", and its LTF. Can we get better? 🙂
Click to expand...
I'd say it's a very good limit for an entry level cc we can't expect more than that
after few months they might get chance to upgrade from freedom to Millennia if they wish.
Recently My cousin got pre approved LTF swiggy cc with 3L limit
 
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