Limit enhancement on HDFC Infinia

[wolf1008]

I have Infinia with a credit limit of Rs. 810000. I'm also using Bizblack as a floater so the limit is shared between these 2 cards.

I've written to HDFC to increase the credit limit and I've spoken to my RM also, but no positive response.

Any other options available?

 

[helloworld]

How much you're expecting or need to increase? Does your atleast ITR 3x less than that?

 

[wolf1008]

How much you're expecting or need to increase? Does your atleast ITR 3x less than that?

I wanted to make it around 10-12 lakhs. How much should my ITR be for that?

 

[helloworld]

I wanted to make it around 10-12 lakhs. How much should my ITR be for that?

that depends on credit profile, limit exposure in cibil, existing relationship with bank, TRV, ITR etc.

Ideally, if you're earning 3L/pm then its upto 9L/pm -- this is norms and can be varied based on above features.

Try to send income docs to chennai address if it closes or around to that to get the required limit, again its need above parameters.

btw, whats your credit age in CIBIL?

 

[HumorSimpson]

Are you self employed ? How did you get bizBlack ?

 

[wolf1008]

Are you self employed ? How did you get bizBlack ?

Yes. Self employed. Got a chance to get it as a floater card shared with the limit on Infinia. Got the card around 6 months ago

 

[wolf1008]

that depends on credit profile, limit exposure in cibil, existing relationship with bank, TRV, ITR etc.

Ideally, if you're earning 3L/pm then its upto 9L/pm -- this is norms and can be varied based on above features.

Try to send income docs to chennai address if it closes or around to that to get the required limit, again its need above parameters.

btw, whats your credit age in CIBIL?

I haven't ever checked my CIBIL. Have a good relationship with HDFC bank based on which I got these cards. Where can I check?