Generally, for ICICI I just email them and provide them salary slip. How do you do with HDFC CC, any email?
email them your last 3 month of salary slip and bank statement .
Which email? Can you please send?
you can do two things:
- check upgrade credit limit on whatsapp chat of hdfc or their net portal
- mail at Grievance.redressalcc@hdfcbank.com
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The email i received a response from was this HDFCBANK.CREDITCARD@hdfcbank.net
copy pasting what they told me below
TLDR:- unless you have an pre-approved offer from them or have a really high Salary don’t bother with this ,they will reject it
what i recommend is if you have any other card with high limit close your current hdfc card ,go to any local branch and ask them for credit card on basis on your current card ,
this is unfortunately the fastest method with hdfc
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Keep using multiple credit cards and soon automatically you will keep receiving notifications regarding limit increase. No need to mail nothing unless you have to jump instantly from 50k to 5lac!
My personal exp. I started with my first CC in the year 2016 with just a 35k credit limit and today it is 7.55lac.
And I only use max 15-18% of the entire limit ever since I started using a CC so there’s no condition to keep utilizing the entire or 50-80% limit for availing such benefits. In fact, using your CC to its max limit actually negatively affects ones CIBIL!
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Just make some good purchases and you will get limit upgrade offers, i got limit upgrade in 2016 just 4-5 months after getting my hdfc diners cc and just 2-3 months more after that card upgrade.
So it depends, i asked this to my RM and was told that one gets limit upgradation and card upgrade offers depending upon how much one has spend on their card in last six months. Like i got upgrade offer to diners black because i made purchases from my card of around 7-8 lacs in 3-4 months.
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Just take something on EMI for 6 months and pay it completely. You will end up paying 1k+ or something extra on the product but once they see you pay the bills properly they will send sms every month after you finish the EMI payments and ten people will call you asking you if you want to increase the card limit. I have ICICI card of 1L limit and got pre approved for 2.5L after just paying off EMI’s. Every month i get 2-3 sms on this.
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Thanks a lot for the info guys. I once got an automated call from SBI about credit limit increase and ask me to press one (from a robot) I don’t know if that was legit and I never did anything. I kinda wonder.
They usually do that and the request is authentic. Just make sure not to share any OTP or anything with them. If you receive such calls, there are good chances that the offer would show up on their online portal too.
I would advice against closing CC as with CIBIL, having an old card is counted towards a positive sign of your liquidity.
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- For some users, they occasionally send Limit enhancement found in net banking.
- They asked me to drop a form as other user mentioned.
- If you have a relationship manager, you can ask them to increase the limit or upgrade it [ Worked for me ].
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