Request Credit Card Limit : IDFC, HDFC & Axis | Limit Offer SBI | Covert Kotak Card Lifetime FREE
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- Опубліковано 7 лис 2024
- Welcome to today’s video, where I’m diving deep into strategies for enhancing your credit card limit with IDFC First Bank, HDFC Bank, and Axis Bank. If you’re holding an IDFC First Bank Millennia, Wealth, or Ashva Metal Credit Card, an HDFC Regalia or Diners Club Black, or maybe an Axis Flipkart or Magnus Credit Card, this guide will help you navigate the steps and key tips for successfully requesting a limit increase. We’ll explore everything from knowing when and how to make your request, to the benefits of a higher limit in boosting both your financial flexibility and credit score.
#IDFCCreditCard #HDFCCreditCard #AxisCreditCard
When applying for a credit card limit increase, understanding how banks assess requests is essential. Banks generally consider your credit score, income level, and spending habits over the last few months. Responsible financial habits, such as paying off balances on time and keeping your credit utilization low, go a long way. To increase your chances of approval, it's best to use your card regularly but moderately, showing the bank that you’re a dependable cardholder without relying too heavily on credit.
Starting with IDFC First Bank, enhancing your limit is straightforward, especially for holders of the Millennia, Wealth, Select, Power Plus, First Classic, Club Vistara, FIRST SWYP, Mayura or Ashva Metal cards. IDFC First Bank usually assesses eligibility through their app, where a “Limit Enhancement” option may appear if you're pre-qualified. To further improve your chances, keep income documents handy, such as recent pay slips or your income tax return. Regular, moderate card use and a strong credit history often result in favorable outcomes. Even if the app-based option isn’t available for you, reaching out to customer support or visiting your branch to submit documents for a manual review can also work well. With IDFC First, patience and a consistent track record with your card can really boost your approval chances.
Moving to HDFC Bank, renowned for popular options like the HDFC Bank Millennia, HDFC Swiggy, HDFC Regalia, HDFC Diners Club Black, HDFC MoneyBack Plus, HDFC IndianOil, HDFC Tata Neu Infinity credit cards, Paytm HDFC the limit enhancement process often involves submitting income documentation to their Chennai office, especially for higher-tier cards. By sending a recent pay slip or Form 16, you’re backing up your request with proof of the income needed to manage a higher limit. HDFC also prioritizes long-term cardholders who consistently use their cards and may pre-qualify them for limit increases. If you've recently received a salary raise, bonus, or have demonstrated steady spending habits, these factors can positively impact your request with HDFC.
For Axis Bank credit cardholders, including those with the Flipkart Axis, Axis My Zone, Axis Bank Neo , Indian Oil Axis, IndianOil Axis Bank Premium,Axis Bank Cashback, Axis Bank Rewards, Axis Bank Atlas, Axis Bank Horizon, Airtel Axis, Axis Bank ACE, Axis Bank AURA, Axis Bank SELECT, Axis Bank Privilege, Axis Bank KWIK RuPay, Axis Bank Vistara, SpiceJet Axis, Axis Bank Reserve, Axis Magnus, Axis Vistara cards, the process often combines digital steps with documentation. Axis Bank usually reviews two years of income stability, so it’s best to have salary slips, bank statements, or tax returns ready. You can email these documents to their customer service team, mentioning your credit card details and request. If you haven’t qualified for a pre-approved increase, showing consistent usage and timely payments can strengthen your case.
Timing your request is crucial. It’s best to apply after a few months of regular usage, as banks tend to assess recent spending patterns. If you anticipate major expenses in the near future, consider submitting your request a few months beforehand to be ready with a higher limit.
Increasing your credit card limit is a powerful tool for improving your financial flexibility. A higher limit can enhance your credit score by helping maintain a lower credit utilization ratio. For example, using only a portion of a new, larger limit shows lenders you’re a responsible borrower, which could improve your eligibility for other financial products. Beyond the credit score boost, a higher limit can open up rewards options. With some cards, a larger limit allows you to achieve rewards thresholds more easily, whether it’s earning more points, reaching cashback milestones, or unlocking exclusive travel benefits.
Today’s video also touches on how to make your Kotak Bank credit card lifetime free and how to benefit from co-branded credit cards that come with the first year free. These additional insights can add long-term value to your credit cards, helping you maximize rewards, minimize fees, and enjoy the full benefits of each card.
Stay tuned for a detailed breakdown where I share insider tips on how to approach each bank’s process and boost your approval chances for a limit enhancement.
Thank you fr selflessly putting in sooo mch info n sharing all yo knowledge, information n experience on youtube ,it helps a lot of ppl lyk me. I wish n hope u get more views likes n subscribers. I donno y yo channel hasnt yet rchd to the heights wer it shud be . Continue mkng sch informative videos.. v vl all support you..
Thank you so much for love and support 😊, it means a lot to me & our team. Happy Diwali Sir
kya kotak bank secured card ko unsecured me convert krne ka offer dega?
Idfc me family banking kyse kr skte hai?
Kyse apply kre iske liye?
Mere pass ek idfc ka select account hai.
Just app apne rm ko call kiye & appke Rm ka number mobile app me mil jayeg and woo appke family members ko add kr denge
Just app apne rm ko call kiye & appke Rm ka number mobile app me mil jayeg and woo appke family members ko add kr denge
Hi bro.. one of Yo IDFC video really helped me.. Select account ko upgrade karwaane bhot tims call krna padha bcoz mere RM unresponsive hai.. but fir bhi i stead of 6 months ,sirf 3 months Average Monthly balance maintain krnese Select ke liye unhone upgrade krwaadi aftr lots of calls..
It feels good that our information helped you. Congratulations & Happy Diwali 😊
@@spicycard Happy Diwali to u n ur family bro..
Salary agr 50k hai to ikse basis pe HDFC me kitne limit mil skti hai
Its not only depends in salary also depends on how many credit card your are holding & cibil history, so All together matters for bank
Its my surprise when my bank asked me to send 2 year itr and 6 month bank statement to increase the limit of my SECURED FD based rupay select credit card.
😂😂😂😂
How to increase limit on IndusInd card
Rishi bhai mera axis burgundy ac mein fd ke Investment se limit increase kar diya..2saal pehle 15k limit mila tha or pichle 6mnth pehle 1lakh 30k tak hi itr se increase hua uske baad nhi par jabse se burgundy ac me fd kiya hoon ush base par mera may2024 ko increase krke 5lakh limit increase kar diya axis ne or fir ish oct mnth mein 5lakh se 6lakh ho gya 4th card me or fir agle mnth baaki teen card mein increase hoga 😊
Wow great & accha laga jaan kr . Thank you for sharing your experience brother & happy Diwali 😊
I Disagree with yo View n point made on HDFC credit limit increase policy.. as i got timely credit limit increase frm HDFC bank without submitting any ITR Documents or salary slips..
Nesl kya h bhai or vo kya karti hai....
Nesl ke barame mujhe v nahi pta brother, let me research as well. And Happy Diwali brother 😊
I'm getting ICICI Saphiro dual card as an upgrade. Joining fee is Nil so I said yes...
Annual fees is chargeable??
Congratulations 👏
@@birendrakumarchourasiya2307 yea 3.5k plus gst , to waive off 6L spend criteria
@@birendrakumarchourasiya2307 yep. 6L spend criteria for waiver
Bhaiya please hdfc impria account per bhi video bano
Soon hardly within 10-15 days waiting for welcome kit
@@spicycard thanks❤❤
Bhai HDFC wale instant declined krdere hai online jaise hi application submit krta hun tabhi koi solution me shi details daal rha hun fir bhi .
HDFC me koi savings account hai?
@spicycard mene 2021 me Ek account khol liya tha ese hi online per kabhi use nhi kiya but wo account abhi inactive h
@@spicycard haa mera hai lekin mera bhi reject ho rha h bar bar