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Need advice: Reversal of Core CL Split - Millennia, TN Inf & Pixel Play

Sriky

TF Buzz
VIP Lounge
Hi Folks,

I need help to recover my HDFC Core card (Millennia) credit limit which I had unintentionally assigned to Pixel Play.

I'll explain more about on the cards I hold and the relation I have with HDFC followed by the issue I'm facing.

I'm an Imperia Customer and hold Millennia and TN Infinity with a shared CL of INR 4.18L. This is my salary account and I also have a FYF upgrade to Regalia Gold which I have not applied for, due to lack of interest in this card.

On Monday I got a notification on my payzapp app stating that Pixel Play is being offered as LTF. I instantly initiated the application process, through the course of this, I got a CIBIL enquiry and card got approved. Next step was to assign limit to the Pixel Play card from either of my two existing cards. Since an enquiry was already pulled, I had no option other than moving forward with the application. I wanted to retain the CL on my Millennia and hence decided to assign 1.5L from TN Infinity and retain 2.68L on it. There were no cautions mentioned regarding floater/shared cards this in during the application process.

However, in two days when I checked my NetBanking app, it showed that both my card limits have dropped down to 2.68L which was quite unintentional. I immediately reached out to escalation.cc but they say they are helpless. I was atleast asking them for a restructure of CL Like some 0.18L on pixel and remaining 4L on the core card. They say it is against their company policy and are helpless again. Not sure if it is due to lack of interest or other. Same is the response from my imperia RM who is useless in terms of banking support and only calls for investment/FD advices.

I have dropped a mail to greviance team and am currently waiting their response.

Could you guys please suggest me a way to restore my CL on Core card as I have been building it in a positive way since I've begun my CC journey and is painful to see 1.5L of it being washed away due to lack of clarity from HDFC Digital application team.

Thanks
 
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When you guys know hdfc share same limit across their cards, why you guys wish to take chances & fall into temptation of ltf pixel card.

Irrespective of UI/app, you are using hdfc card from sometime I assume, you should know share limit thing, so why blame hdfc here?

Only thing you can do is to close card & request them to restore limit as some has successfully done that & some are still trying.
People get confused by the way app shows in these details. For real.

If only a single limit exists for floater cards, what is the purpose of displaying two different card limits? They could've just shown one.

What's more simple, just just a final summary with revised limits on all affected cards and take concent from user. No more confusions.

Take a look at how the physical CLE, Upgrade form is drafted. It's crisp and clear. We need something of that sort on the app as well.

And if at all it's the users negligence, HDFC should support the customer with what he/she wants. Not the other way around.
 
What is the minimum limit that we need to assign to pixel play card? Can I get it for credit limit of just Rs 1000/-?
I have 1.52L as the credit limit in infinity/swiggy. If I give 1000 or 2000 to pixel play will it work?
I don't want to give more than 2000 because infinity will become plus if CL is less than 1.5L
 
What is the minimum limit that we need to assign to pixel play card? Can I get it for credit limit of just Rs 1000/-?
I have 1.52L as the credit limit in infinity/swiggy. If I give 1000 or 2000 to pixel play will it work?
I don't want to give more than 2000 because infinity will become plus if CL is less than 1.5L
Can they DOWNGRADE your CC (from Infinity to Plus) without your approval?
I don't think so
 
Can they DOWNGRADE your CC (from Infinity to Plus) without your approval?
I don't think so
That's another question. I don't know.
But I know that your existing card limit has to be 1.5L for you to get infinity. Otherwise only plus. Now, after getting infinity, can you reduce the limit below 1.5L? Don't know.

Core question remains the same. What is the minimum limit we can allot for pixel play? Can I get a pixel play card with 2k credit limit?
 
What is the minimum limit that we need to assign to pixel play card? Can I get it for credit limit of just Rs 1000/-?
I have 1.52L as the credit limit in infinity/swiggy. If I give 1000 or 2000 to pixel play will it work?
I don't want to give more than 2000 because infinity will become plus if CL is less than 1.5L
Minimum limit for pixel play is 10,000/-
 
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