Millennia HDFC Millennia virtual credit card limit low

[InsaneYuvi]

I receiver a mail with my virtual credit card details from HDFC but the limit in that is only 25k, the hdfc employee told me that my limit would be 1.5 lac.
I will receive my card within a week, will that have the same limit as the virtual card as well (25k) ?
If yes than what can I do to cancel my credit card and not be charged the joining or annual fees ?

 

[Gaurav Goel]

I receiver a mail with my virtual credit card details from HDFC but the limit in that is only 25k, the hdfc employee told me that my limit would be 1.5 lac.
I will receive my card within a week, will that have the same limit as the virtual card as well (25k) ?
If yes than what can I do to cancel my credit card and not be charged the joining or annual fees ?

Yes 25k is low. Is this without income documents? If no documents were provided, you can talk to customer care and get limit increased. Otherwise virtual card limit and actual card limit will be same.

 

[Akashn]

How did you apply for it?
is this your first card?

 

[InsaneYuvi]

How did you apply for it?
is this your first card?

Yes, through an hdfc employee by visiting there branch

 

[Akashn]

Yes, through an hdfc employee by visiting there branch

Was it pre approved or did you provide ITR/Salary slips?

 

[varun__goel_]

Was the person an HDFC employee. If yes, then mail CS about the incident and be stubborn on mail.

 

[Chaitanya-a]

Was it pre approved or did you provide ITR/Salary slips?

Don't think it is on the basis of Salary/ITR. 25k limit isn't justified for that method.

 

[InsaneYuvi]

Was it pre approved or did you provide ITR/Salary slips?

it was pre approved

 

[InsaneYuvi]

Yes 25k is low. Is this without income documents? If no documents were provided, you can talk to customer care and get limit increased. Otherwise virtual card limit and actual card limit will be same.

will I be charged the joining fees, if i chose not to activate the credit card and ask the HDFC employee to cancel it ?

 

[Chaitanya-a]

will I be charged the joining fees, if i chose not to activate the credit card and ask the HDFC employee to cancel it ?

No fees would be levied if you don't activate the card. Its against RBI guidelines.

 

[InsaneYuvi]

No fees would be levied if you don't activate the card. Its against RBI guidelines.

Thanks for the reply.

 

[Abhi5467]

Can anyone help me regarding possible limit I may get with
SALARY: 60k (post tax: 54800/-)
CIBIL : 753
I hold AXIS FLIPKART CC : limit 41k ( previously 21k , got LE @ 6 months )
HDFC TATA NEU PLUS CC : 13k ( issued recently on basis of HDFC SAVINGS ACCOUNT 10k maintain variant)
the above limits issued WITHOUT income documents
I moved my salary acc in HDFC SAVINGS ACC , will this be helpful?
When 3 months will complete I will apply for higher limit on salary basis.
Thank you!

 

[AritraSaha]

Can anyone help me regarding possible limit I may get with
SALARY: 60k (post tax: 54800/-)
CIBIL : 753
I hold AXIS FLIPKART CC : limit 41k ( previously 21k , got LE @ 6 months )
HDFC TATA NEU PLUS CC : 13k ( issued recently on basis of HDFC SAVINGS ACCOUNT 10k maintain variant)
the above limits issued WITHOUT income documents
I moved my salary acc in HDFC SAVINGS ACC , will this be helpful?
When 3 months will complete I will apply for higher limit on salary basis.
Thank you!

What 13k? I think hdfc taking some green leaf before giving the limit.😝
You should negotiate with hdfc for atleast ltf millennia cc as u hold a salary account with them.
And try to get cc from the big 4.(icici,sbi,axis,hdfc).

Apply apay icici cc & sbi cashback. You should get them easily.😊

 

[Strange]

13k

I think it was based on his Flipkart CC with 21k limit.

 

[Abhi5467]

What 13k? I think hdfc taking some green leaf before giving the limit.😝
You should negotiate with hdfc for atleast ltf millennia cc as u hold a salary account with them.
And try to get cc from the big 4.(icici,sbi,axis,hdfc).

Apply apay icici cc & sbi cashback. You should get them easily.😊

Yes I surely will! My plan is to get past 1L limit on my AXIS FK CC and then get cards gradually on C2C basis. I'm just starting out as an enthusiast from past 1 year. SBI is the worst! They have rejected everytime even when my cibil is above 750 with salary. Will get SBI on C2C. ICICI giving me CC on salary basis and they also offer good limits might help for C2C. APAY application was rejected and the previous application still exists so will talk to customer care to delete it and then apply. Thanks for your help!

 

[Strange]

C2C

For C2C apply from SBI card agents at petrol pumps. You can get BPCL Rupay credit card easily and now it can be linked to UPI also.

 

[NOOBY]

Can anyone help me regarding possible limit I may get with
SALARY: 60k (post tax: 54800/-)
CIBIL : 753
I hold AXIS FLIPKART CC : limit 41k ( previously 21k , got LE @ 6 months )
HDFC TATA NEU PLUS CC : 13k ( issued recently on basis of HDFC SAVINGS ACCOUNT 10k maintain variant)
the above limits issued WITHOUT income documents
I moved my salary acc in HDFC SAVINGS ACC , will this be helpful?
When 3 months will complete I will apply for higher limit on salary basis.
Thank you!

HDFC only accepts ITR form for increasing limit. So, you can provide ITR to increase your limit first (Ask for 4L+) for your Neu Plus card. Once your limit is increased, ask for Millennia/Regalia card as LTF, depends on your liking (talk with BM, telling to to get approval for LTF card as you hold salary account)

Once you get Millennia/Regalia with good limit 3L/4L, the limit would be shared with Neu Plus card. Then, you can mail HDFC TataNeu team (or talk with someone in branch) and ask them about the possibility of upgrading your Plus card to Infinity as your limit is now 3L+