DCB Please Help with DCB & Swiggy Dilemma!

[vishp]

Hi Everyone,

I am having DCB from Last 4 months. My goal was to get Infinia by end of year, through Credit Limit (8L) and Spend Eligibility (7.5 in 6 months).

I can easily achieve Spend Criteria. But my Credit Limit was 5L, and seeing that how difficult it is to get LE nowadays, that too to 8L, I lost hope, and got the Swiggy LTF Card. I know that getting Non-Core Card further impacts your ability to get LE.

Now the funny thing is I applied for Swiggy Card, a couple of days back, and it got approved yesterday and also I got an automatic LE for DCB ydy to about 7.5+ Lakhs!

Infinia Credit Limit Eligibility is 8 Lakhs, which I am short of by few thousands. I have two choices now.

1. Close Swiggy Card immediately and ask for another manual LE for DCB after few months
2. Use Swiggy Card for a couple of months, close it, and then ask for LE on DCB

Please suggest of how should I proceed. Please let me know if there are any other choices.

 

[_ayush]

80% is standard in hdfc for any card be it indian oil

This is what they reply. I have made an FD of 4 lakhs. Not sure what they are smoking.

We acknowledge your consent for limit enhancement and clarify that we were unable to process owing to the incorrect enhancement limit mentioned on the mail. In this regard, we would like to confirm that we are willing to review an additional credit limit of Rs.360,000.00 from your existing credit limit assigned in your credit card account.

 

[Vasuki]

This is what they reply. I have made an FD of 4 lakhs. Not sure what they are smoking.

We acknowledge your consent for limit enhancement and clarify that we were unable to process owing to the incorrect enhancement limit mentioned on the mail. In this regard, we would like to confirm that we are willing to review an additional credit limit of Rs.360,000.00 from your existing credit limit assigned in your credit card account.

3.6 +5.2 = 7.8 😁

Bruh I highlighted to you about 80 % rule of fd In my first suggestion itself

 

[_ayush]

3.6 +5.2 = 7.8 😁

Bruh I highlighted to you about 80 % rule of fd In my first suggestion itself

yeah so 80% of 4L should be 3,2L right. I sent 3.2L in my previous mail. Not sure how they got 3.6L

 

[Vasuki]

yeah so 80% of 4L should be 3,2L right. I sent 3.2L in my previous mail. Not sure how they got 3.6L

Hdfc counting .

 

[_ayush]

@Vasuki @imdjay thanks guys. I am able to see 8.6L credit limit in netbanking.

 

[imdjay]

@Vasuki @imdjay thanks guys. I am able to see 8.6L credit limit in netbanking.

Now you can ask for infinia after spend 🙃

 

[_ayush]

Now you can ask for infinia after spend 🙃

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

 

[imdjay]

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

if you can get this without any extra effort, its any day better than DCB LTF.

 

[kuchbhi]

do

thats the plan. but ironically, now that I can get it, it doesnt seem that great especially compared to dcb ltf.

don't chicken out just yet my boy