Rationale for Credit limit enhancement.

[CyberPsych]

And my name starts with S 😅.

How does that matter 🤨

 

[Wealth is my birth right!]

I am yet to conclude what the LE criteria is.
I have AmznPay card and HDFC Rupay (Bharath), both of which are 3 years old.
Both of them came with 30k limit initially and usage is higher always in HDFC card (including UPI).
Icici increased the 30k to 2L after a year and then to 4.2L and today again offered to enhance to 5L. Over the time, they've not asked payslips or anything.
HDFC, on the other hand, despite submitting new payslips, have only offered LE when they felt doing so. And that is still 1.2L despite using it well.
Also, I have rarely gone above 30% utilisation.
And my name starts with S 😅.

My doubt now is that availing this higher credit limit will affect my credit score in any way.

Yes axis and icici are best to bring my limits to 10lac in short span of time but hdfc much slow
Patience is the key with hdfc

 

[neo.puneet]

i'm getting 5.91 from 5.16 in hdfc. should i take it or leave it? i mean will i have a better chance of getting higher limit in future(near) if i skip?

 

[cardy]

i'm getting 5.91 from 5.16 in hdfc. should i take it or leave it? i mean will i have a better chance of getting higher limit in future(near) if i skip?

Take it ASAP
No , no chance.