Tricks to increase credit card limit without income proof/Documents.

[TheTrickySid]

Does anyone know how can we increase credit card limit without income proof.

Either we get the offer upfront from bank or requesting ourselves.

Or if you know any specific way for any particular bank.
All banks ways/tricks are welcomed.

Edit: I am currently looking for HDFC limit increase.

@Subhankar @souvikdey2002 @Batmanbaba @prc1990 @TechnoFino @AllSeeker @fatehbajwa @StanRoute66

 

[SoggypastA]

What a coincidence I was about to post similar kind of question.

Can I request HDFC for limit enhancement on the basis of recent ITR by mailing them? I think my RM is useless its been 2 weeks he is adding my mothers account in my preferred family banking.

 

[TheTrickySid]

What a coincidence I was about to post similar kind of question.

Can I request HDFC for limit enhancement on the basis of recent ITR by mailing them? I think my RM is useless its been 2 weeks he is adding my mothers account in my preferred family banking.

How old is your CC?
You can email them the limit enhancement form along with ITR.

 

[souvikdey2002]

Does anyone know how can we increase credit card limit without income proof.

Either we get the offer upfront from bank or requesting ourselves.

Or if you know any specific way for any particular bank.
All banks ways/tricks are welcomed.

@Subhankar @souvikdey2002 @Batmanbaba @prc1990 @TechnoFino @AllSeeker @fatehbajwa @StanRoute66

Don't generalize.
Be specific on which bank/card do you seek LE for?

 

[TheTrickySid]

Don't generalize.
Be specific on which bank/card do you seek LE for?

I am currently looking for HDFC.

But I made the question generic because there might be someone who knows the process of ICICI/BoB/IDFC it can be any bank so they too can share their experience.

Also if someone else also needs the trick for other bank, other than I am looking for then the person can find this thread useful.🙂

 

[TheTrickySid]

I'm in same situation as yours. I don't think that there is any way out. What's your monthly spending on HDFC CC and how much limit are you targeting?

I don't have high monthly spendings might be around 8k.
Currently have 50k limit and targetting for 1L+

 

[SoggypastA]

How old is your CC?
You can email them the limit enhancement form along with ITR.

I think 8 months old

 

[souvikdey2002]

H

I am currently looking for HDFC.

But I made the question generic because there might be someone who knows the process of ICICI/BoB/IDFC it can be any bank so they too can share their experience.

Also if someone else also needs the trick for other bank, other than I am looking for then the person can find this thread useful.🙂

What is your current Limit & last time when your LE happened?

 

[souvikdey2002]

I don't have high monthly spendings might be around 8k.
Currently have 50k limit and targetting for 1L+

I'm sorry, read your post a bit late.
In that case you have to wait since, HDFC releases offer once in a year.
Meanwhile what you can do maintain good balance/transaction in your savings account.

 

[TheTrickySid]

I'm sorry, read your post a bit late.
In that case you have to wait since, HDFC releases offer once in a year.
Meanwhile what you can do maintain good balance/transaction in your savings account.

Already have funds of around 5L including FD
And have filled the upgrade form for Classic Banking twice😢😢
As you are stating does HDFC releases LE offer once a year for everyone for sure?
Coz I have seen PPL not received LE for 2 years🥺

Also my card is 5month old and they say that the cc need to be atleast 6month old for LE

 

[souvikdey2002]

Already have funds of around 5L including FD
And have filled the upgrade form for Classic Banking twice😢😢
As you are stating does HDFC releases LE offer once a year for everyone for sure?
Coz I have seen PPL not received LE for 2 years🥺

Also my card is 5month old and they say that the cc need to be atleast 6month old for LE

Yes, for me it is once every year since I don't maintain any balance in the savings account.
Since you maintain a very good balance for them so you might get a very good offer soon.
Fingers crossed.

 

[TheTrickySid]

If spending is 8K then what's the issue with 50K limit?

I want higher limit so that I can apply for higher varient cards C2C 😁

 

[TheTrickySid]

What offer once in an year?

LE

 

[TheTrickySid]

Yes, for me it is once every year since I don't maintain any balance in the savings account.
Since you maintain a very good balance for them so you might get a very good offer soon.
Fingers crossed.

Does spending less affect LE by any chance??

 

[souvikdey2002]

I

Does spending less affect LE by any chance??

It's a mix of both, i.e. Spending as well as Balance.

 

[SoggypastA]

Yes, send upgrade form along with ITR to Chennai office.

I checked that form and there mentioned as ITR is for self employed and Salary slip for salaried person, is only 1 month salary slip enough or have to give more than that?

 

[Subhankar]

Does anyone know how can we increase credit card limit without income proof.

Either we get the offer upfront from bank or requesting ourselves.

Or if you know any specific way for any particular bank.
All banks ways/tricks are welcomed.

Edit: I am currently looking for HDFC limit increase.

@Subhankar @souvikdey2002 @Batmanbaba @prc1990 @TechnoFino @AllSeeker @fatehbajwa @StanRoute66

For HDFC, try this trick as posted by @jay on his twitter handle. It's a well detailed thread, thus posting the link here directly rather than a writeup by myself. Thanks Jay for the thread

 

[SoggypastA]

I have sent limit enhancement form to HDFC Chennai office which is delivered to them on monday. How many days will they take to reply any idea?

 

[imrajib]

Recently for the last 2 years HDFC has not pushed any LE offer. I am using my card for the last 1 year with 31k limit. If I spend 100% of my credit limit is there any chances for LE?