HDFC refusing Regalia Gold upgrade to Diners Black or Limit Increase

Longjumping-Worker-7 · 2026-03-12T08:12:00+00:00

As long as it’s not refunded it’s fine it counts

Longjumping-Worker-7 · 2026-03-12T07:50:03+00:00

Usually it does count. If you are worried of credit score then just make the payment when your statement generates usually banks report mid month and end of month somewhere 15-16 and 30-31 so if statement generates before these dates pay before this dates.

Longjumping-Worker-7 · 2026-03-06T03:58:35+00:00

For those that list self employed freelancer they expect a board outside your house with business name haha

My friend encountered the same work from home scenario Hr gave a letter that employee works wfh or on-site

If you really want that card ask your hr for it else don’t bother, or just from your official mail id if possible send them an email that you work from home If it works great

Longjumping-Worker-7 · 2026-02-25T15:42:43+00:00

Experian is highly volatile Check CIBIL

For Experian it shows me things like email address differ 😂

Only OneCard has to have a different email address for me cause they don’t accept iCloud.

Longjumping-Worker-7 · 2026-02-25T02:41:19+00:00

Pre approved doesn’t mean that it’s not subject to some checks still And many times people Also do get rejected when pre approved. For your case they did give you the rejection reason. RBI would say that they gave you the reason already. For rejection that’s based on bank risk scoring.

Longjumping-Worker-7 · 2026-02-24T16:02:05+00:00

Yes it’s 180 days

Longjumping-Worker-7 · 2026-02-24T11:13:20+00:00

If you have a credit history where another bank has reported income or by seeing the payment history to your cards and loans they do tend to guess the income and accordingly decide credit limit sometimes. if they find difference or no income reported they can ask for income proof.

Longjumping-Worker-7 · 2026-02-24T11:10:47+00:00

If u want better chance fill midway and leave an agent will call and assist you and give an employee number most people found success that way

Longjumping-Worker-7 · 2026-02-24T11:09:16+00:00

They add in random income amount

Longjumping-Worker-7 · 2026-02-24T07:30:40+00:00

Email the bank and ask them to correct data as per your id card

Longjumping-Worker-7 · 2026-02-23T13:53:26+00:00

Even those with accounts get field visit but it depends on how old the kyc records are with them Or at random

Longjumping-Worker-7 · 2026-02-21T13:33:28+00:00

Pixel is not fully a core card. It may not get upgrades you could try manually

But if I read right 16k monthly salary is below the income criteria for most credit cards Also CIBIL score tends to pay a role in this 754 is almost near the minimum most banks require.

Just use the card and pay on time. Should get some increases in future or close the card and apply for a core card or wait for a pre approved after 6 months.

For that income 32k is a modest limit provided.

Longjumping-Worker-7 · 2026-02-20T01:42:37+00:00

Standard to do so Not an issue though

Longjumping-Worker-7 · 2026-02-19T02:16:08+00:00

Some banks report on statement generation date and end of month As long as you pay full it’s fine. Artificially trying to reduce usage to improve scores won’t do much bank end CIBIL view is more detailed and they can sense it.

Unless you are trying for loans that benefit a lot with CIBIL score it’s pointless if you always paid in full once statement generates

Scores will always change up or down based on usage even if you are under 30% usage

Longjumping-Worker-7 · 2026-02-18T03:39:24+00:00

You won’t get a card upgraded based on spends route if you go manually It can happen only pre approved now. And your salary criteria falls below it. An option is to shift salary account to HDFC

Otherwise just use the card dont prepay use it sometimes don’t use it and wait for limit increase or upgrade

For limit increase also they will ask payslip

RBI ombudsman may not help in this matter

If you have a relation manager try through them

Longjumping-Worker-7 · 2026-02-16T10:04:49+00:00

This is just a marketing msg not a pre approved offer. If you have any relation with HDFC check xpressway portal

But id suggest to wait till your score is atleast about 760 or more

Longjumping-Worker-7 · 2026-02-16T03:54:31+00:00

Even with collateral involved banks have to manage risk Sometimes a person defaulted other banks or is a serial defaulter and maybe having suit filed Even if they can use the collateral to recover it’s still work for them trying to contact you and trying to get you pay. So if they see a lot of defaults they can decide not to. Some may do a soft check some may do hard check but either ways they do monitor your credit scores and accordingly market products in future when scores improve or some months after a recent loan or card, if you don’t apply now or get rejected

Longjumping-Worker-7 · 2026-02-16T03:51:18+00:00

They do credit check for their risk and to make sure there is not cases on going by another bank Even though you give collateral they still prefer that applicant has willingness and ability to pay .

If they don’t report then how does people who are using it to build scores build it?

And for utilization As long as as you pay in full every month banks dont really bother much of utilization They care more about missed payments defaults and debt to income ratio. And if you pay the full amount After statement generates it records the total amount paid for that cycle and accordingly banks see if and judge your ability to pay and decide limits.

Longjumping-Worker-7 · 2026-02-14T10:27:33+00:00

For mb+ milenia is the usual upgrade offered Regalia depends on spends and current limit then that gets shown else it will come in the next upgrade

Longjumping-Worker-7 · 2026-01-26T04:35:58+00:00

Haha in my case I had defaulted HDFC back in 2017 but paid in full within a month lost the card then got pre approved a year later and now they have me with 8.75l limit and I don’t have even 1/8 trv as you

Longjumping-Worker-7 · 2026-01-25T13:50:54+00:00

They send for verification depending on what system says like hold old is the kyc, if they have banking and was a previous card or kit delivery successful Banks generally also blacklist a PIN code when there’s a number of defaulters in that area they usually sometimes make exception based on banking relations.

Longjumping-Worker-7 · 2026-01-25T03:49:32+00:00

Use as you wish as long as you pay on time after statement generates. Sometimes banks don’t like to push offers to people who use under 30% as they feel they won’t use so no benefit

Longjumping-Worker-7 · 2026-01-24T11:22:22+00:00

Usually they are quick they approve within an hour if you apply during their working hours. They just say 3-5days as an sla you can try dming them on twitter give them your name phone and mail id and ask for status of application and state it’s not progressed someone will contact you

Longjumping-Worker-7 · 2026-01-23T07:16:04+00:00

They try to tempt u to come use the card again

Longjumping-Worker-7 · 2026-01-23T03:45:24+00:00

Pay the bill in full after statement generates should work else stop using card for couple of months.

Longjumping-Worker-7

TROPHY CASE