My CIBIL Score Debt is shown as Negative. Does it matter?

[SSV]

The offer will change in February.

Mark my words 😁, till then keep using DC like hell 😝

Thanks.. I will get it by December itself according to my prediction.. I will let you guys know anyway..
I have all my plans in place for the coming 6 months

 

[RishiKiDev]

Yes, put some friends and family’s purchases on this card, but key is during the same statement period.. take it to peak usage in one month

Oh! Okay got it!
So max usage will trigger the LE.

 

[RishiKiDev]

Thanks.. I will get by December itself according to my prediction.. I will let you guys know anyway..
I have all my plans in place for the coming 6 months

Hope you get the card soon.

You're maintaining Imperia status?

 

[SSV]

Oh! Okay got it!
So max usage will trigger the LE.

Yes . . in one statement period.. see if you purchase big items and use almost 90% of limit, then what it indicates..
You are a big spender and using up most of CL, so they will increase CL hoping you spend more

 

[SSV]

Hope you get the card soon.

You're maintaining Imperia status?

Yes, they only gave me upgrade about 15 days ago

 

[RishiKiDev]

Yes, they only gave me upgrade about 15 days ago

Good! I have observed that they provide initial limit proportional to the average balance in the account.
So hope you get good limit early on.
I guess 3.5 to 5L would be good initial limit.

 

[SSV]

Good! I have observed that they provide initial limit proportional to the average balance in the account.
So hope you get good limit early on.
I guess 3.5 to 5L would be good initial limit.

Yes , you are right.. I won’t take anything less than 5 L

 

[RishiKiDev]

Yes , you are right.. I won’t take anything less than 5 L

I took it when they offered Millennia with 3.5L
Then got LE to 4L then to 5.5L then to 6L
After that got pre approved upgrade to Regalia.
Didn't take the Regalia. They pestered me for one year with Regalia.
Just 3 months back I was offered DCB and I took it.

If I had waited back then for more initial limit maybe would have got Infinia by now. But who knows, HDFC is very unpredictable.

 

[SSV]

I took it when they offered Millennia with 3.5L
Then got LE to 4L then to 5.5L then to 6L
After that got pre approved upgrade to Regalia.
Didn't take the Regalia. They pestered me for one year with Regalia.
Just 3 months back I was offered DCB and I took it.

If I had waited back then for more initial limit maybe would have got Infinia by now. But who knows, HDFC is very unpredictable.

Thanks for sharing your experience ..
So, how long it took for you in total?
Can we not upgrade from Regalia to Infinia?

 

[SSV]

I took it when they offered Millennia with 3.5L
Then got LE to 4L then to 5.5L then to 6L
After that got pre approved upgrade to Regalia.
Didn't take the Regalia. They pestered me for one year with Regalia.
Just 3 months back I was offered DCB and I took it.

If I had waited back then for more initial limit maybe would have got Infinia by now. But who knows, HDFC is very unpredictable.

Yes , that is why I can wait for another one year and won’t take the card until I get CL of 5 to 6 Lakhs.. until then I will drive them crazy with my transaction activity

 

[RishiKiDev]

Thanks for the response..
So, how long it took for you in total?
Can we not upgrade from Regalia to Infinia?

Took me approx 4 yrs.
I don't know about Regalia to Infinia.

I didn't take Regalia back then because my mom had got Regalia.

 

[RishiKiDev]

Yes , that is why I can wait for another one year and won’t take the card until I get CL of 5 to 6 Lakhs.. until then I will drive them crazy with my transaction activity

Yeah better for you. I only had one pre approved LE after that each time I had to do manual LE by sending documents to their legendary chennai office

 

[SSV]

Took me approx 4 yrs.
I don't know about Regalia to Infinia.

I didn't take Regalia back then because my mom had got Regalia.

4 years time..
and how much spends over these 4 years??

 

[RishiKiDev]

4 years a time..
and how much spends over these 4 years??

Millennia was paid one so I only did transactions until I got past the waiver amount, that would be approx around 1-1.5L
Back then most of my transactions were offline.

 

[SSV]

Millennia was paid one so I only did transactions until I got past the waiver amount, that would be approx around 1-1.5L
Back then most of my transactions were offline.

Anyway, you got your LE thru income docs, not through spends.. got it

 

[RishiKiDev]

Anyway, you got your LE thru income docs, not through spends.. got it

Yeah because when I got the card I had just passed MBBS and completed my internship, not much income so not much spends.