Hdfc Bank credit limit upgrade offer.

[Shoxie]

So, I've been using milliniea for the past 7 months. Wrote them for a credit limit increase last Month and they denied the request. Escalations also didn't work, even though I had credit limit of 1.5L from other banks.

My credit limit was only 20k, which is only of the lowest for Millennia credit card. Since then, started maintaining 50k in the account and have increased my spends in the card will spend 1l in the current quarter, have spent approximately 60k from start of the year.

I've now received an offer to upgrade my Credit limited to 40k only, which is also very low. So my question is, should I wait for at least another month, spend more than 1L in the quarter, and then reach write an email for manual CL Enhancement? Will that work? Or they'll still offer me only 40k?

Also, if I accept the CL enhancement now, how long does it take for HDFC to offer another CLI? Is it 6 months cooldown like in Axis and SBI?

P.s. My salary doesn't match the requirement of 35k pm and I applied and got this card on C2C basis. I posted this considering this is a specific case, I tried searching and didn't get any results similar to this

 

[Riya]

You're wrong...
I've Millenia with 16k limit 😂
Using it for last 1 year... No LE offer till now and they are asking to send physical documents to Chennai and for LE consideration....

 

[deep@vie]

So, I've been using milliniea for the past 7 months. Wrote them for a credit limit increase last Month and they denied the request. Escalations also didn't work, even though I had credit limit of 1.5L from other banks.

My credit limit was only 20k, which is only of the lowest for Millennia credit card. Since then, started maintaining 50k in the account and have increased my spends in the card will spend 1l in the current quarter, have spent approximately 60k from start of the year.

I've now received an offer to upgrade my Credit limited to 40k only, which is also very low. So my question is, should I wait for at least another month, spend more than 1L in the quarter, and then reach write an email for manual CL Enhancement? Will that work? Or they'll still offer me only 40k?

Also, if I accept the CL enhancement now, how long does it take for HDFC to offer another CLI? Is it 6 months cooldown like in Axis and SBI?

P.s. My salary doesn't match the requirement of 35k pm and I applied and got this card on C2C basis. I posted this considering this is a specific case, I tried searching and didn't get any results similar to this

Take it this time & keep spending on the card.

 

[Das.N]

I got 36k Limit enhancement in 1L limit millennia last year after spending 3 lakhs in three quarter. HDFC and Axis are the most kanjoos bank, they won't increase the limit easily.

 

[Shoxie]

You're wrong...
I've Millenia with 16k limit 😂
Using it for last 1 year... No LE offer till now and they are asking to send physical documents to Chennai and for LE consideration....

😂 I'm aware of your existence lol, that's why told that I've one of the lowest and not the lowest.

 

[samm255]

If you ask manual upgrade then they will ask Salary Slip/ITR. Better to spend on card and get auto upgrade. HDFC has changed their method now they don't consider anything but spends on card.

 

[Dr. Drake]

Acha waise it doesn't have anything to do with your account for now. Hdfc has sent out le to most of the users who were left out 2months back. So it's generic

Also, they technically gave you 100% le from 20k to 40k

 

[Shoxie]

Acha waise it doesn't have anything to do with your account for now. Hdfc has sent out le to most of the users who were left out 2months back. So it's generic

Also, they technically gave you 100% le from 20k to 40k

Right, I just realised that. Should I just accept the offer for now?

 

[NShah]

Right, I just realised that. Should I just accept the offer for now?

Y e s

 

[Riya]

I don't understand why is HDFC still living in stone age.... And so stingy with limit enhancements...

 

[samm255]

I don't understand why is HDFC still living in stone age.... And so stingy with limit enhancements...

HDFC :

 

[Riya]

HDFC be like...

Mah Bank
Mah Rules....

 

[Vasuki]

You're wrong...
I've Millenia with 16k limit 😂
Using it for last 1 year... No LE offer till now and they are asking to send physical documents to Chennai and for LE consideration....

Bole toh bole kya 🥸

 

[deep@vie]

I don't understand why is HDFC still living in stone age.... And so stingy with limit enhancements...

Because people use fake gender on TF

 

[deep@vie]

Bole toh bole kya 🥸

Bolo.
Aapne ghabrana nahin hai

 

[Vasuki]

Because people use fake gender on TF

Axis bank - Dil se open hai

 

[deep@vie]

Axis bank - Dil se open hai

Axis bank- Dimaag se band😂

 

[Vasuki]

Axis bank- Dimaag se band😂

I was thinking why i didn't got annual edge Reward point..
Then i thought why didn't gave even after 7+ days ..
Then i paid fees today.. they will give in 2 days i m sure 😁😁 chindi

 

[deep@vie]

I was thinking why i didn't got annual edge Reward point..
Then i thought why didn't gave even after 7+ days ..
Then i paid fees today.. they will give in 2 days i m sure 😁😁 chindi

They even incur consolidated charges on every account when you ask what the hell,they'll say will get it reversed, morons

 

[Vasuki]

They even incur consolidated charges on every account when you ask what the hell,they'll say will get it reversed, morons

Used bank account for 2 year .. no consolidation charges