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How to Increase HDFC Bank Credit Card Limit

How to Increase HDFC Bank Credit Card Limit | Card Upgrade | Online/Offline Process: If you are addicted to use the credit card and find it a convenient method to cover your expenses, there are several Ways to Increase HDFC Credit Card Limit. The credit card limit is increased periodically based on its usage and repayment documents. But, one can also inquire to the lender through internet process, to boost their card limit.

Increase HDFC Bank Credit Card Limit

How to Increase HDFC Bank Credit Card Limit

Besides choosing ‘Limit Enhancement’ attribute of the lender. An individual may also use for ‘Card Upgrade,’ enabling the users to upgrade their card using more eye-catching attributes along with raising the credit limit.

To increase up to the credit card limit, you should be an accountable card user that makes payments in time. And just the credit issuing bank may consider your petition to increase your credit card limit assigned to your credit report.

 

Ways to Increase HDFC Bank Credit Card Limit-

1 – Bank Approaches You:

Whenever someone uses the credit card or gets payment or is defaulting on a mortgage. All the details are updated by the charge issuers into his/her credit rating agency database and also by the information. A credit rating is created from the user’s permanent account number, commonly referred to as PAN.

 

Someone has an excellent credit rating, or CIBIL score is much more likely to get a call or an SMS/email from the lender to increase the previously assigned credit limit. The bank approaches itself to credit card users if they are performing great deeds by making payment on time and using the credit card correctly. Increase in income can be considered to be the essential ingredient that the bank takes into consideration before enhancing the credit limit.

 

Understand To Read The Terms & Conditions:

If you get any notice by the bank to improve the charge limit before accepting, be sure you’ve read all of the terms and conditions. Changes in annual payment/commission and similar crucial information. Should you want some time to think about such deal or need to communicate your acceptance, you can send your message to the customer support team of HDFC Bank.

As soon as you have given your approval, your HDFC credit limit will be raised automatically. The same can be checked on your net banking accounts or at the new credit card invoice statement.

 

Time Required By Bank To Issue New Credit Card With Upgraded Limit:

When applying for credit card limitation up-gradation. The lender will send you to your registered address, a brand new credit card comprising a new number. You will receive your freshly generated credit card within 7-10 working days.

Though all the advice of your old credit card is going to be linked to your new card. However only some percentage of old card reward points will be moved into your new card. This percentage will depend on the type of credit card you are using.

 

2 – Increase HDFC Bank Credit Card Limit Through Online Process:

If in the event you would like to enhance your card limit, but the bank didn’t approach you after using it for a year or 6 months. You can request for the same with your net banking account.

After accessing this service, you’ll get to know which of your existing cards is qualified for the limit card or enhancement up-gradation.

 

 

3 – Increase HDFC Bank Credit Card Limit Through Offline Mode:

You could also convey your petition for credit card limit enhancement or card upgrade through HDFC Customer Care Number. That’s 1800-266-4332. But if you get a reply stating that you’re ineligible for such limitation improvement. It is possible to send your income increment slide to the bank with a duly signed letter requesting for limit enhancement.

Salaried workers need to attach a self-attested backup of recent salary slide and also a photocopy of workplace ID card. If you are self-employed, send a copy of latest income tax returns and PAN with the computation of revenue.

 

HDFC Bank Customer care and support:

If you have any Query/Complain about your any concern or you need any kind of help or support then —

  • You can call the customer care number which is <Your area STD Code>61606161
  • You can mail at [email protected]

 

If You Have some Suggestion regarding this post, so please comment below & Do not forget to share/Discuss it.

 

Check out: How to make HDFC credit card bill payment ! Complete Guide

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