IDFC Pre Approved Offer Card variant issue

[Srinivas Reddy]

I got pre approved offer from IDFC, but its showing I can choose card variant only between Millennia and Classic. Do anybody know how to get IDFC Select over them???

Btw mine is a 25k MAB account.

 

[007]

I am not really sure about the documentary but if you google it you would see the origin and books around this.

For that matter you can pull up any documentary on Lehman Bros, Too Big to Fail etc. All would be of the same theme and outcome as we know history.

Sure. Thanks!

 

[Souvik]

Again I may sound odd here but for me to grab a higher credit limit is not for those vouchers & benefits.
And honestly I never spend to reach those goals unless they are an absolute necessity.
For me to get a higher limit is always related to get the Highest variant card of any bank.
Generally speaking if you are using a basic credit card of any bank & all of a sudden you want to reach to the topmost card of any other bank is not possible.
Therefore, slowly you need to go up & change your portfolio accordingly.

Hey, my posts were not directed to anyone, it was just an example of how the system allures you into irrational spending.

I do appreciate the fact you've made that a gradual increase in credit limit is good for all of us. Keeping that in mind it's a good decision to move up the ladder.

 

[007]

Again I may sound odd here but for me to grab a higher credit limit is not for those vouchers & benefits.
And honestly I never spend to reach those goals unless they are an absolute necessity.
For me to get a higher limit is always related to get the Highest variant card of any bank.
Generally speaking if you are using a basic credit card of any bank & all of a sudden you want to reach to the topmost card of any other bank is not possible.
Therefore, slowly you need to go up & change your portfolio accordingly.

Yeah I agree with your point. I guess you got me wrong here, I am just saying one should spend wisely. These deals, offers, cashback, rewards, etc. ain't going nowhere! 🤷‍♂️

 

[007]

Hey, my posts were not directed to anyone, it was just an example of how the system allures you into irrational spending.

I do appreciate the fact you've made that a gradual increase in credit limit is good for all of us. Keeping that in mind it's a good decision to move up the ladder.

Exactly!

 

[souvikdey2002]

Hey, my posts were not directed to anyone, it was just an example of how the system allures you into irrational spending.

I do appreciate the fact you've made that a gradual increase in credit limit is good for all of us. Keeping that in mind it's a good decision to move up the ladder.

Rest assured I didn't it take it personally.
I just expressed my views on this. And yes, I agree with you 100% of the people generally falls in to these traps & for 2000 amazon voucher, end up spending more which should not be the practice.

 

[souvikdey2002]

Yeah I agree with your point. I guess you got me wrong here, I am just saying one should spend wisely. These deals, offers, cashback, rewards, etc. ain't going nowhere! 🤷‍♂️

I'm also agreed to you & trying to spread the awareness that people should not fall in to this traps.

 

[007]

After all,

 

[StanRoute66]

What's the floor limit for Select any idea? Minimum how much limit is required on my existing CC, that's my question basically.

1.5L

 

[007]

1.5L

Ohh okay. Thanks!

 

[dav33]

I know it's insane and I even do not need it.

I have been using this HDFC CC for 8 years now, Regalia since last 5 years.

This limit is not uplifted in a day or so it has slowly increased and I kept getting prompts to increase my limit but I did not, so you see the difference in existing limit and proposed limit.

I did have a Preferred account/converted from salary account for some 6 years and of late just trying Imperia.

wow the limit increase offer is insane. have u taken the offer.
also since when are u having the existing limit of 3.5L in your regalia, is it since beginning that u hold the card ie 5 yrs or later
also may in know rough figure of how much monthly balance / TRV did u maintain

 

[Souvik]

wow the limit increase offer is insane. have u taken the offer.
also since when are u having the existing limit of 3.5L in your regalia, is it since beginning that u hold the card ie 5 yrs or later
also may in know rough figure of how much monthly balance / TRV did u maintain

It looks insane as I deferred a lot of Limit enhancement offers in between, while HDFC's automated systems tried to persuade me to opt for a higher limit and spend more.

I had 3.5L maybe for last 5-6 years, even when I did not have Regalia, my earlier card was upgraded to Regalia LTF some 5 years back. I do have a sizeable TRV in HDFC > 50L, but this was a gradual built up, not accumulated in a day. I am also a part of not so useful Preferred/Imperia programme. But to be honest credit limit depends upon your credit score and history primarily.

I took the offer hoping for a LTF upgrade to a higher variant card someday, not spend based LTF and all, but that does not seem likely as of yet, no harm in trying though

 

[niranjan0]

Hello,

I got a pre approved offer from IDFC, I have a 25k mab account with them but my amb is 10L+, they're offering 48k limit. Should I proceed with the application???

 

[SSV]

Hello,

I got a pre approved offer from IDFC, I have a 25k mab account with them but my amb is 10L+, they're offering 48k limit. Should I proceed with the application???

Are sure what you are talking about?,
10L MAB and 48K cc offer..
Something is not right here

 

[niranjan0]

Are sure what you are talking about?,
10L MAB and 48K cc offer..
Something is not right here

Yeah! The amb is usually 10L+ but averages around 10L.