Limit enchantment or Upgrade

[Ragul]

Hi All, I have been using HDFC Millennia credit card with the limit of 1.3 L since 2018. When I check of limit enchantment or Upgrade in net banking, it is saying that, "You have already best in class credit card with maximum limit". So, I tried to mail cc customer care to ask the same. They are asking me to send a post with latest payslip and duly signed form.
Here is my query -
1.Can I only increase the limit and keep the same card? if yes, what is the maximum limit that I can ask.
2. Instead of asking for limit increase, can I apply new card may be regalia or something else and keep both the card at same time.

kindly clarify me on this. Thanks in advance!

 

[Slayer]

Hi All, I have been using HDFC Millennia credit card with the limit of 1.3 L since 2018. When I check of limit enchantment or Upgrade in net banking, it is saying that, "You have already best in class credit card with maximum limit". So, I tried to mail cc customer care to ask the same. They are asking me to send a post with latest payslip and duly signed form.
Here is my query -
1.Can I only increase the limit and keep the same card? if yes, what is the maximum limit that I can ask.
2. Instead of asking for limit increase, can I apply new card may be regalia or something else and keep both the card at same time.

kindly clarify me on this. Thanks in advance!

HDFC does not issue two credit cards for one customer (exclusions are there)

There is no official maximum limit for Millenia but i think it's around 4-5L

 

[Rocky Balboa]

1. You can't ask for a number as your limit. HDFC Bank will assign you a 'Credit Limit' based on your latest ITR/Salary Slips, Spending Patterns & other internal parameters ! You can send the HDFC CC Upgrade Form and other documents they requested to their Chennai Office.

2. Since you are holding one card, Do NOT apply afresh for a new card. They will reject it for sure. Generally, No two HDFC CC per customer. If you really want Regalia, Just tick 'Upgrade & Limit Enhancement' in the above-mentioned form. If you want to continue with Millennia but with an enhanced limit, tick accordingly.

 

[Ragul]

1. You can't ask for a number as your limit. HDFC Bank will assign you a 'Credit Limit' based on your latest ITR/Salary Slips, Spending Patterns & other internal parameters ! You can send the HDFC CC Upgrade Form and other documents they requested to their Chennai Office.

2. Since you are holding one card, Do NOT apply afresh for a new card. They will reject it for sure. Generally, No two HDFC CC per customer. If you really want Regalia, Just tick 'Upgrade & Limit Enhancement' in the above-mentioned form. If you want to continue with Millennia but with an enhanced limit, tick accordingly.

Sounds Good. this will help a lot. thank you.

 

[Gkcards]

Hi All, I have been using HDFC Millennia credit card with the limit of 1.3 L since 2018. When I check of limit enchantment or Upgrade in net banking, it is saying that, "You have already best in class credit card with maximum limit". So, I tried to mail cc customer care to ask the same. They are asking me to send a post with latest payslip and duly signed form.
Here is my query -
1.Can I only increase the limit and keep the same card? if yes, what is the maximum limit that I can ask.
2. Instead of asking for limit increase, can I apply new card may be regalia or something else and keep both the card at same time.

kindly clarify me on this. Thanks in advance!

In HDFC netbanking, they also show infinia folks to upgrade to Millenia card 🙂

 

[Sai Ganesh]

We can get 2 credit cards from HDFC , speak to your RM and ask him/her to help on the same.

But limits will be split , before that they will ask you how much limit can be split among the cards.

 

[Ragul]

I have send my payslip and duly signed limit enchantment form to head office. today I got a mail saying that, my application "unable to process the limit enhancement request at this point in time, as it does not meet the above mentioned internal criteria of the bank".

My cibil score is 715 now, This month I have pre closed my education loan and got NOC. this is not yet reflected back to CIBIL. I hope, once it reflects my cibil will increase to some point.

I'm not sure what was the exact reason to reject my application. I think cibil score is one of factor here.

Have any one faced this kind of scenario? Kindly share your experiences/idea here.

Thanks.

 

[Wealth is my birth right!]

I have send my payslip and duly signed limit enchantment form to head office. today I got a mail saying that, my application "unable to process the limit enhancement request at this point in time, as it does not meet the above mentioned internal criteria of the bank".

My cibil score is 715 now, This month I have pre closed my education loan and got NOC. this is not yet reflected back to CIBIL. I hope, once it reflects my cibil will increase to some point.

I'm not sure what was the exact reason to reject my application. I think cibil score is one of factor here.

Have any one faced this kind of scenario? Kindly share your experiences/idea here.

Thanks.

It’s not due to cibil score maybe it’s not 6 months completed till ur last enhancement or card issue date

 

[Ragul]

last upgrade/ enchantment happened 1.5yr back.

any other factors please?

 

[Wealth is my birth right!]

last upgrade/ enchantment happened 1.5yr back.

any other factors please?

Ok then u r due for LE only cibil I feel better reapply after score increases and reflect ur edu loan closure

 

[Ragul]

thanks much 😊

 

[Rahul92]

I'm getting this notification frequently by hdfc since 10 days. When I click on it , nothing happens , it just disappears.

What's it ?

 

[hks789]

I'm getting this notification frequently by hdfc since 10 days. When I click on it , nothing happens , it just disappears.

What's it ?View attachment 6164

Check in net banking if you have a new credit limit increase offer.

 

[Rahul92]

Check in net banking if you have a new credit limit increase offer.

Where / How ?

 

[CMGCMG is verified member.]

Where / How ?

Try this: https://applyonline.hdfcbank.com/credit-cards/credit-card-limit-enhancement-form.html

 

[Wealth is my birth right!]

Where / How ?

chat in wup with hdfc bot and type limit it will show offers or link to offers