Infinia Confused with limit upgrade offer!

[suhailmz]

Hi folks,
I’m using DCB metal card for 4-5 months with a limit of 6.96L. My goal is to get Infinia card & keeping that in mind, my last 5 months spends on the card are 8-10 lakh.
I requested HDFC for limit enhancement & they denied it. Upon writing to principal nodal officer, they agreed to increase the limit by 60k & asked for my acceptance.

Please suggest if I should take it or skip it. Taking it would probably mean no additional limit offer for the next 6 months. I’m unable to decide :/

@TechnoFino @Subhankar @ragz @CC_Exuberant @rohitsinha @jack333

 

[suhailmz]

Do you know your CIBIL? DCB metal is super premium and one possibility limiting you from LE is lower CIBIL?
Can you check your score?

Got the CIBIL premium membership Current score is 782

 

[ALOAK]

Hi folks,
I’m using DCB metal card for 4-5 months with a limit of 6.96L. My goal is to get Infinia card & keeping that in mind, my last 5 months spends on the card are 8-10 lakh.
I requested HDFC for limit enhancement & they denied it. Upon writing to principal nodal officer, they agreed to increase the limit by 60k & asked for my acceptance.

Please suggest if I should take it or skip it. Taking it would probably mean no additional limit offer for the next 6 months. I’m unable to decide :/

@TechnoFino @Subhankar @ragz @CC_Exuberant @rohitsinha @jack333

Take what you get which helps

 

[suhailmz]

1) do you have another 8L to spend for the next 6 months?? If yes take it .. if no , don’t take it and fight it out by escalating it further…
2) will you be able to get LE thru income doc? If no, keep fighting..
3) If you are a long term customer like 5 to 10 years old.. keep pushing for greater LE..
4) Again , if you are a very long term customer with multiple relationships with HDFC like salary account, FD , insurance etc then just go for the kill, apply for the upgrade to Infinia as you already spent 8L thru RM/ BM . They can get CL eligibility exemption approval from the team and can process your Infinia upgrade

I just received a response from Nodal officer team and they too are offering only 60k limit increase which will take my limit to 7.56 Lakh. The thing, I don’t see my salary increasing exponentially this year to reapply for limit increase. Do you suggest I should take it and then push for Infinia upgrade? I will short by just 44k and might get an exception basis the spending

 

[SSV]

I just received a response from Nodal officer team and they too are offering only 60k limit increase which will take my limit to 7.56 Lakh. The thing, I don’t see my salary increasing exponentially this year to reapply for limit increase. Do you suggest I should take it and then push for Infinia upgrade? I will short by just 44k and might get an exception basis the spending

taket it ..

 

[Zacobite]

I just received a response from Nodal officer team and they too are offering only 60k limit increase which will take my limit to 7.56 Lakh. The thing, I don’t see my salary increasing exponentially this year to reapply for limit increase. Do you suggest I should take it and then push for Infinia upgrade? I will short by just 44k and might get an exception basis the spending

as i had recommended earlier.. take it.. its a step fwd

 

[Shoxie]

I just received a response from Nodal officer team and they too are offering only 60k limit increase which will take my limit to 7.56 Lakh. The thing, I don’t see my salary increasing exponentially this year to reapply for limit increase. Do you suggest I should take it and then push for Infinia upgrade? I will short by just 44k and might get an exception basis the spending

Yup, since you've escalated till PNO, the only better option is to take the LE right now. You can later push for Infinia. Don't be worried man, it definitely is one step closer.

 

[sahilgulati5]

Take it and apply for upgrade after a month give some breathing time

 

[suhailmz]

Yup, since you've escalated till PNO, the only better option is to take the LE right now. You can later push for Infinia. Don't be worried man, it definitely is one step closer.

Did that and got the LE today

 

[suhailmz]

Take it and apply for upgrade after a month give some breathing time

Haha, yes. That’s the plan

 

[suhailmz]

got a call from my RM today for usual offers, I asked her if she can help me with the Infinia upgrade & she promised to help. later got a call from her manager. After a long discussion, he enquired about the famous 3 criteria’s - Salary, Current limit on card, last 6 month spending. Told me I meet the spending criteria but not other 2. He agreed to raise a request but said it is likely to get declined as similar requests have been declined in past. I requested him to try

 

[nrj1007]

got a call from my RM today for usual offers, I asked her if she can help me with the Infinia upgrade & she promised to help. later got a call from her manager. After a long discussion, he enquired about the famous 3 criteria’s - Salary, Current limit on card, last 6 month spending. Told me I meet the spending criteria but not other 2. He agreed to raise a request but said it is likely to get declined as similar requests have been declined in past. I requested him to try

What happened ?