DCB spent 6 lakhs in 2 months( 7 lakhs in 4 months) on DCB. can i ask for infinia

[Vas2398]

Hi,

I spent 6 lakhs in last 2 months on my DCB metal(7 lakhs in 4 months).
total limit 5.96 lakhs.

Credit limit request was rejected 2 months ago as they said enough for the spends I am doing.
By chance I made 6 lakhs spends in last 2 months(credit to a marriage in family).

Can I ask for credit limit increase now... Any possibility for infinia? (My Salary is 2.5 lakh...HDFC preferred salary account )

Thanks.

 

[_ayush]

a seperate thread was not needed. could've asked in any of the existing threads.
6 month spends should be 9L and base limit should be 8L.

ask them for limit increase on salary basis.

 

[ujjwal2024]

Please go ahead and try... although no body can forecast the outcome...if you do not try, you get nothing

 

[ujjwal2024]

a seperate thread was not needed. could've asked in any of the existing threads.
6 month spends should be 9L and base limit should be 8L.

ask them for limit increase on salary basis.

let him try..what the harm in trying..may be he become lucky

 

[_ayush]

let him try..what the harm in trying..may be he become lucky

didnt say he shouldn't try. asked him to get LE on salary basis. he might get close to 8L considering they used to offer infinia with 8L limit around his salary.

 

[ujjwal2024]

didnt say he shouldn't try. asked him to get LE on salary basis. he might get close to 8L considering they used to offer infinia with 8L limit around his salary.

Ok..that means he should at first try for LE, and once LE is done, go for upgrade
But do you think HDFC will grant two things in succession?
May be he will get LE not upgrade...
To the truthful , very difficult to suggest from my side as nothing is sure
Let OP decide based on recommendation of other members

 

[_ayush]

Ok..that means he should at first try for LE, and once LE is done, go for upgrade
But do you think HDFC will grant two things in succession?
May be he will get LE not upgrade...
To the truthful , very difficult to suggest from my side as nothing is sure
Let OP decide based on recommendation of other members

I don't think both are dependent.
For infinia they just check eligibility. Current credit limit and spends. Doesn't matter when the limit was increased. Suggesting this because in my case, I got LE based on FD lien a month ago before upgrade was approved.

 

[ujjwal2024]

I don't think both are dependent.
For infinia they just check eligibility. Current credit limit and spends. Doesn't matter when the limit was increased. Suggesting this because in my case, I got LE based on FD lien a month ago before upgrade was approved.

This is great....you are talking from your own experiences...
I think OP should follow your advice then

 

[Vas2398]

Thanks everyone for your suggestions.
I will ask for LE first and try to complete 3 lakhs(spent 6 already) to finish 9 L in 6 months.

Followup question:
If I take an FD, Whom do I send mail to HDFC(mail id?) to increase the limit?
(I can't ask my RM because I know she never says YES to what ever I ask)

 

[drsel]

Thanks everyone for your suggestions.
I will ask for LE first and try to complete 3 lakhs(spent 6 already) to finish 9 L in 6 months.

Followup question:
If I take an FD, Whom do I send mail to HDFC(mail id?) to increase the limit?
(I can't ask my RM because I know she never says YES to what ever I ask)

Go and meet the branch manager directly

 

[_ayush]

In my case BM was not aware of this. Mail grievance redressal for fd lien. They'll guide you.

 

[kvndsz512]

In my case BM was not aware of this. Mail grievance redressal for fd lien. They'll guide you.

so means the limit which was missing u used fd to make ur cc limit to 8L and then upgraded to infinia ?

how much was ur limit and how much fd was needed?

 

[_ayush]

so means the limit which was missing u used fd to make ur cc limit to 8L and then upgraded to infinia ?

how much was ur limit and how much fd was needed?

Yes. My limit was 5L. Had an FD of 4L which I used for lien. As per their mail, you get 80% of FD amount as LE. So 4L should give 3.2L LE.

 

[kvndsz512]

Yes. My limit was 5L. Had an FD of 4L which I used for lien. As per their mail, you get 80% of FD amount as LE. So 4L should give 3.2L LE.

ohio amazing 🤩 btw can dm wanted to discuss other things xD not related to topic .. its about infinia

 

[_ayush]

Sure ask away

 

[kvndsz512]

Sure ask away

done dm 🤗 check once free

 

[Vas2398]

Thanks for the suggestions.
I will try once for CL enhancement based on spends and. if not done will go for FD Lien.
Thanks.