You have done wrong. Now again you will have to wait for applying & after getting you still don't know when limit enhancement Triggers for you.
I asked hdfc to convert the card into unsecured after I opened salary account there , then they agree to remove lien of fd but keep the existing limit .
70k+ salary got credited into my account every month , and my company is in their list.
My colleagues who applied card and spent less than that got limit enhancement twice ( they also have salary account) , but mine never got increased.
May i know what I have done wrong ?
My max limit in my other cards are 3L , but hdfc I got stuck at 1.2L for years .
I was suspecting , they simply removed lein amount but kept the other things same , so no limit enhancement and upgrade offer . I might be wrong but this thing bugging my brain for long time . That's why I closed my card.
Now take home salary increased to 85k , so I will apply again based on my salary or wait for pre-approved offer.
My wife already have 2 hdfc cards .
So I am not loosing anything on closing the card . Who knows , may be when they approve the card that time i may get higher limit .
Since my wife having hdfc card with 4.9L limit , I am ok to wait for years lol 😆.