Whether to take LE or wait

[nayra]

I have a credit limit of 5L on my DCBM which is recently upgraded via mailing to PNO. I already had a 10k LE offer 1 month back in NetBanking which I ignored

This week it jumped from 10k to 31k which is still quite less I feel.

I've heard HDFC is notorious in not giving LEs for years to some people, so I'm conflicted for taking this - If I do I might not get it again for quite a while there since recently got LE, if I dont take and still HDFC might not give offer again so will be stuck at 5L

I have HSBC Live+ with 5.75L limit whose statement I attached to PNO during card upgrade request and explicitly asked for them to give LE to atleast match HSBC. They rejected it that I can't get it rn as per income docs shared, even though I have pre approved 31k LE!

What are my options now? Can I push them again later or to take the LE or not.. I know we can't predict HDFC behaviour but is 31k LE (6%) worth getting a cooldown for next LEs if any?

 

[TripleAce]

HDFC is absolutely unpredictable!!
I didn’t avail LE offers for years and not getting LE offers since years!!
I think you have covered everything in your post so you already have a fair idea about how things work in HDFC!

I would have taken the offer.

 

[R0HIT]

Last year in sept. I rejected LE of 7k after that I didn't rejected any offer till now

 

[Wealth is my birth right!]

I have a credit limit of 5L on my DCBM which is recently upgraded via mailing to PNO. I already had a 10k LE offer 1 month back in NetBanking which I ignored

This week it jumped from 10k to 31k which is still quite less I feel.

I've heard HDFC is notorious in not giving LEs for years to some people, so I'm conflicted for taking this - If I do I might not get it again for quite a while there since recently got LE, if I dont take and still HDFC might not give offer again so will be stuck at 5L

I have HSBC Live+ with 5.75L limit whose statement I attached to PNO during card upgrade request and explicitly asked for them to give LE to atleast match HSBC. They rejected it that I can't get it rn as per income docs shared, even though I have pre approved 31k LE!

What are my options now? Can I push them again later or to take the LE or not.. I know we can't predict HDFC behaviour but is 31k LE (6%) worth getting a cooldown for next LEs if any?

Better to avail imo

 

[R0HIT]

How many cards from hdfc you are having currently?

 

[nayra]

How many cards from hdfc you are having currently?

3
Dcbm tni and rupay

 

[TripleAce]

Don’t you guys have this {%$?#@[* hdfc digital RuPay card ?
I mean, it counts as a hdfc card. Right?
No one ever mentions it!!

 

[Wealth is my birth right!]

View attachment 107494

Don’t you guys have this {%$?#@[* hdfc digital RuPay card ?
I mean, it counts as a hdfc card. Right?
No one ever mentions it!!

After pixel it stopped showing to me

 

[TripleAce]

After pixel it stopped showing to me

I have it but still showing to apply in PayZapp - Bank

 

[Wealth is my birth right!]

I have it but still showing to apply in PayZapp - Bank

If u click it won’t move further and say u r not eligible
Until payzapp shows pixel ltf rupay card was allowing me to apply but didn’t opted since TNI is there

 

[TripleAce]

If u click it won’t move further and say u r not eligible
Until payzapp shows pixel ltf rupay card was allowing me to apply but didn’t opted since TNI is there

Oh!!
I didn’t knew that.
I do see the Pixel LTF offer in PayZapp too.

 

[Wealth is my birth right!]

Oh!!
I didn’t knew that.
I do see the Pixel LTF offer in PayZapp too.

Core card 1rupay
Co branded 1 rupay
That’s their way

 

[TripleAce]

Core card 1rupay
Co branded 1 rupay
That’s their way

Great!
Thanks 🙏🏼 🙂