Got credit limit enhancement from 3.45 lakh to 6.50 lakh for regalia - Should i take or not?

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Gujarat Titans
ami123

Got credit limit enhancement from 3.45 lakh to 6.50 lakh for regalia – Should i take or not?

Will it help in getting higher variant?

36 Comments  |  
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Elite Elite
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Don’t think twice. Grab it.

Chennai Super Kings Chennai Super Kings
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Take it absolutely

Royal Challengers Bangalore Royal Challengers Bangalore
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Notified via mail or message?

Deal Cadet Deal Cadet
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Neki aur puch puch ? (Translation- Don’t think twice!)

Gujarat Titans Gujarat Titans
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@santhu4444 mail

Rajasthan Royals Rajasthan Royals
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Le Le Bhai….Ab Rulayega Kya…. Mere Pass Don’t Have Chadifasi Card…. Add-on Karwa Lena Mere Liye🥺

Gujarat Titans Gujarat Titans
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Thanks guys for advice – Opted for higher credit limit

Deal Cadet Deal Cadet
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what people r crazy to increase limit?

Is there any benifit?

Deal Cadet Deal Cadet
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YESSS. ASAP

Chennai Super Kings Chennai Super Kings
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Rakesh1034 wrote:

what people r crazy to increase limit?

Is there any benifit?

Closer to getting infinia and not to mention it can help in case of an emergency.

Deal Lieutenant Deal Lieutenant
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Rakesh1034 wrote:

what people r crazy to increase limit?

Is there any benifit?

helps you chances to get higher variants

more funds at disposal

If reported to cibil original limit – brings down utilization ratio , hence benefits in healthy cibil score

hdfc dnt report real limit to cibil

Deal Newbie Deal Newbie
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I got a limit enhancement as well. Maybe it is another round of limit enhancement for everyone

Deal Newbie Deal Newbie
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How old is your credit card?

Deal Cadet Deal Cadet
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JonSnowLongclaw wrote:

I got a limit enhancement as well. Maybe it is another round of limit enhancement for everyone

absolutely. i got limit increase from 263,000 to 300,000..

Deal Cadet Deal Cadet
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The more u guys increase your credit limit for lower cards, the upgrade offer will be given only when ur overall spend for the year crosses above 50 percentage of your allotted credit limit. So if u look for upgrade offers, hdfc hav criteria to spend 50 percent of allotted limit as one of the criteria

Hotshot Hotshot
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Always take LE offers .. it’s a no brainer

Deal Lieutenant Deal Lieutenant
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desiredreams wrote:

The more u guys increase your credit limit for lower cards, the upgrade offer will be given only when ur overall spend for the year crosses above 50 percentage of your allotted credit limit. So if u look for upgrade offers, hdfc hav criteria to spend 50 percent of allotted limit as one of the criteria

wrong

Deal Lieutenant Deal Lieutenant
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desiredreams wrote:

The more u guys increase your credit limit for lower cards, the upgrade offer will be given only when ur overall spend for the year crosses above 50 percentage of your allotted credit limit. So if u look for upgrade offers, hdfc hav criteria to spend 50 percent of allotted limit as one of the criteria

Source ???

Deal Cadet Deal Cadet
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desiredreams wrote:

The more u guys increase your credit limit for lower cards, the upgrade offer will be given only when ur overall spend for the year crosses above 50 percentage of your allotted credit limit. So if u look for upgrade offers, hdfc hav criteria to spend 50 percent of allotted limit as one of the criteria

I got LE regularly even I never crossed even 20% of the assigned limit.
currently at 15L limit but highest utilization ever is 1.39L

Chennai Super Kings Chennai Super Kings
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great wrote:

I got LE regularly even I never crossed even 20% of the assigned limit.
currently at 15L limit but highest utilization ever is 1.39L

I think @desiredreams meant about the card upgrade offers from one variant to another not the LE increase.

Deal Cadet Deal Cadet
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ami123 wrote:

@santhu4444 mail

how old is your card ?? Mine is just 6 months old hope they give me some limit raise soon 😂

The PostMighty The PostMighty
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https://cdn0.desidime.com/attachments/photos/746066/medium/20220224_005527.jpg?1645644351
Got this chindi limit increase from HDFC despite having an imperia Banking.

Deal Subedar Deal Subedar
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AatmaNirbhar wrote:


https://cdn0.desidime.com/attachments/photos/746066/medium/20220224_005527.jpg?1645644351
Got this chindi limit increase from HDFC despite having an imperia Banking.

Same here. Just 10k Limit increase. It’s increasing like money put in Fixed deposit. joy
Pathetic.. Better not to give the offer than giving a penny one.

Deal Lieutenant Deal Lieutenant
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drsa478 wrote:

Same here. Just 10k Limit increase. It’s increasing like money put in Fixed deposit. joy
Pathetic.. Better not to give the offer than giving a penny one.

Sbi gave me this kind of offer and i shoved it up their as

Deal Subedar Deal Subedar
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decideaim wrote:

Sbi gave me this kind of offer and i shoved it up their as

Sbi is someone who may give 10k TOTAL limit. grinning

PS- One of my friend has 10k Limit with salary account in SBI.

Deal Lieutenant Deal Lieutenant
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drsa478 wrote:

Sbi is someone who may give 10k TOTAL limit. grinning

PS- One of my friend has 10k Limit with salary account in SBI.

Poor fellow, i would have taken it an insult and changed my account to another bank for salary joy

Deal Subedar Deal Subedar
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decideaim wrote:

Poor fellow, i would have taken it an insult and changed my account to another bank for salary joy

She is not much into credit cards. So it passed off. Any guy, including me, would have had his ego hurt, leading to punitive action on bank. grinning That is not even worth a single transaction.

Deal Cadet Deal Cadet
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BBal wrote:

I think @desiredreams meant about the card upgrade offers from one variant to another not the LE increase.

U r right.

Deal Cadet Deal Cadet
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BlueFlash wrote:

Source ???

Myself. I am an regalia card holder. When i approached for infinia through my RM and customer care, i got reply that my overall spend for a year should be above 50 percent of my allotted credit limit. I was multiple times offered for limit increase and i opted the same which now have a higher limit where i am unable to go for 50 percent expenses with the limit

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