IDFC Credit Card - IDFC First WOW Credit Card - How to get limit increased on IDFC First FD Secured or how to get new unsecured IDFC Credit Card?
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IDFC Credit Card - IDFC First WOW Credit Card - FD Secured Credit Card
I have put in 25k FD for 35k credit limit sanctioned
1) How to get limit increased without additional FD in IDFC First SECURED WOW Credit Card?
2) How to get new UNSECURED IDFC First Credit Card? (only FD variant WOW got eligible for me for the moment so picked it but how to get unsecured?)
Anyone have any experience with it?
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Well as far as i known they have mentioned in somewhere during my WOW card application process that they will increase the credit limit on secured card after 1 year based on some auto approval, i seen it somewhere during application process but dont know where to find it now.. but its possible to increase credit limit without further FD in this WOW card, just ask IDFC on email regarding this same and they might revert you
Customer care email id
banker @ idfcfirstbank (dot) com
Please update here once you get reply from them regarding this free credit limit increase on secured WOW card:) it will help
Check your latest Credit Score and if its 750+ and you have a stable income as salaried or self-employed. You can call your bank and request card upgrade. Upon re-verification of your income and credit score, Based on bank assessment you will get an email about your card upgrade (with / without credit limit enhancement as the case may be)
Thankies:)
Is this suggestion for IDFC unsecured credit card (or) you are stating the common suggestion for all banks?
Report your latest credit score... use gpay/amazon/freecharge app to get same (save the tries for future, not all at once)
I assure you a card after you report a generated score... @DEEPANGEORGE
(I have 13+ yrs credit history and cibil ~800, 8 cards)
Thankies:)
Report to whom? you mean to IDFC by sending them email with my credit report?
I have manually worsened my CIBIL to 721 when i last checked even though I have credit history for 15+ years because i made too many credit card application enquiries in 4 months (as I applied credit cards now only didnt tried this knife for all 15 years till now - got 4 cards => 3 unsecured HDFC, SBI, AXIS and 1 secured IDFC wow card now - all of this sanctioned within 4 months)
So now I have to wait 6 more months before thinking on this way i think
Go through this thread: https://www.technofino.in/community/threads/any...
Btw any one know why this IDFC is charging 199+GST for rupay virtual credit card, damn is it a way to make their lifetime free card into an annual fee card, anyone know the reason? or the trick behind it?
Heard there is no spend waver criteria exist for this virtual rupay card either soooo i am thinking they are not worth it for the 199+GST annual renewal charge..
Any suggestion? on how to make this IDFC virtual rupay card lifetime
Or this efficient trick by IDFC to make ALL THEIR CARDS as PAID cards with 199+GST since this virtual card is addon to existing cards WITH NO WAVER in visa and master, clever trick xD by IDFC
You won't get limit enhancement without fd but you can apply another unsecured card. I was using wow card with 7k fd since last 10 months and recently got idfc millennia unsecured card with good limit.
You can connect with customer care on X and tell them to delete existing application. So that u can start fresh application and get new card.
+1 even I would like to know. My FD maturity is on 1 February 2024.