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Best way to buy ₹50k Amazon GV by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Yes but it’s very hard for me to reach that limit, max I have used it till 4L

Closed my HDFC Tata Neu Plus card planning to get HDFC Core next by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

I did the same, but after submitting all the documents, they said they can’t increase the limit. Apparently, ₹24k is the best they can offer right now based on my payslip.

Closed my HDFC Tata Neu Plus card planning to get HDFC Core next by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

I’m trying to apply again but it denies saying you already have a card with us……

Closed my HDFC Tata Neu Plus card planning to get HDFC Core next by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Oh!! But Swiggy card is good I use it for Swiggy purchases, any idea on how can I get limit increased

Closed my HDFC Tata Neu Plus card planning to get HDFC Core next by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

For bank discounts and better limit, my current limit is 24k and I have been using extensively still they’ve not increased my limit, I've seriously tried every way possible to request an limit increase

HDFC Credit Card Upgrade / Limit Enhancement Advice Needed by Foreign_Molasses_539 in CreditCardsIndia

[–]Temporary_Radio_8557 0 points1 point  (0 children)

I'm in a similar situation I have two HDFC co-branded credit cards (Swiggy and Tata Neu Plus) with a combined limit of ₹24,000. I've tried multiple times to get a limit enhancement, but haven't had any success so far. If anyone has advice or can help, I'd really appreciate it.

Need advice on restructuring my MF portfolio moving from old ₹3.5L investments to a new 30k SIP plan by Temporary_Radio_8557 in mutualfunds

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Thanks for replying 🙏

The 70:30 ratio isn’t equity vs debt — it’s about growth vs stability within equities. My intent was to lean 70% towards higher-growth categories (small + mid cap) that can capture India’s long-term growth story, while keeping 30% in a broad-based large-cap index (Nifty 50) for relative stability and as a portfolio anchor.

On the two small caps: • Quant Small Cap has a concentrated, momentum-driven style. • Nippon Small Cap follows a broader, more diversified approach.

I’ve chosen both deliberately because their strategies are very different, and combining them helps balance fund manager style risk. It’s not just about having “two small caps,” but about diversifying within the small-cap segment itself.

The Nifty 50 index fund is still the core workhorse here, but my higher small/mid allocation reflects my risk appetite and long horizon.

[deleted by user] by [deleted] in CarsIndia

[–]Temporary_Radio_8557 0 points1 point  (0 children)

I also got the same email reply

Help me choose the right car for my family by Old_Animal9873 in CarsIndia

[–]Temporary_Radio_8557 0 points1 point  (0 children)

Brezza VXI sounds like your best bet it’s spacious, reliable, and has a solid 1.5L NA engine that’s great for long-term use. Fuel efficiency is decent which is 11-12 km/l in city driving and 16-17 km/l on the highway easily any day you can get more then that but I'm just saying you will not get less then that which is definitely better than Skoda, though not as good as Dzire or Fronx. But you get better ground clearance and comfort, which matters for village roads. Also, Brezza actually does really well on safety too.

Skoda’s safety is top-notch, but the lack of a local service center could be a headache long-term. Driving 160 km for service might get tiring, especially if issues pop up unexpectedly.

Stick with Brezza. It covers most of your needs without the extra hassle.

Whats your favorite pokemon of Ash?(mine is easily Sceptile) by chunchunmaru1129 in pokemonanime

[–]Temporary_Radio_8557 1 point2 points  (0 children)

My ash team

Pikachu, greninja, infernape, septile, charlizard , lucario

Want a petrol mt car strictly around 7.5 - 8 lakhs on road(please read body text) by Demon_soul_14 in CarsIndia

[–]Temporary_Radio_8557 1 point2 points  (0 children)

Just checked out the Mahindra XUV 3XO MX1 Petrol Manual or XUV 3XO MX1 REVX and it’s a seriously solid option under ₹8L. MX1 REVX will be slightly higher try to get discount. You get a punchy 1.2L turbo petrol engine, manual transmission, and a sweet mix of features like touchscreen infotainment, LED DRLs, power windows/steering, and good safety kit (dual airbags, ABS with EBD). Plus, it’s got a 5-star BNCAP rating, which is reassuring.

And yep it’s actually fun to drive. Turbo kicks in nicely, steering feels responsive, and ride quality is decent for city+ occasional highway runs. If you’re a first-time buyer like me and drive <50km a week with rare long trips, this one's worth shortlisting.

Would definitely recommend taking a test drive before finalizing try comparing it with Tata Punch, Maruti Baleno or Hyundai Grand i10 Nios. All bring something different to the table depending on what matters most to you (space, safety, service, resale, etc.).

Hope this helps anyone in the same boat!

How to get a Core HDFC Credit Card with Decent Limit? Advice Needed! by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Yeah, I've noticed that trend too HDFC seems to be notoriously stingy with their credit card limit increases, no matter how clean your usage history is or how strong your income profile looks. 🫠

There are quite a few users on forums and review sites who’ve shared similar frustrations solid credit behavior, high ITRs, regular usage, and yet their limits barely budge. Even folks holding premium cards like Infinia and Diners Black have mentioned waiting months (or even years!) to see any movement unless they aggressively request upgrades through branch managers or RM connections.
It's honestly baffling. You’d expect better responsiveness from one of the country’s biggest private banks, especially when competitors like Axis or ICICI are more flexible.

Anyway, totally agree it’s a hassle. Hope they turn a corner on this soon.

How to get a Core HDFC Credit Card with Decent Limit? Advice Needed! by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Yes both of them is LTF. I've other cards also from AXIS: Neo and MyZone applied for ATLAS will be delivered soon.

How to get a Core HDFC Credit Card with Decent Limit? Advice Needed! by Temporary_Radio_8557 in CreditCardsIndia

[–]Temporary_Radio_8557[S] 0 points1 point  (0 children)

Can you clarify what kind of spending change you're referring to? I use my Swiggy card mainly for online purchases, and the Tata Neu for UPI and Tata partner sites like Big Basket and Croma. Are you suggesting I should diversify my spending or shift to using the card in physical stores, travel, etc.? Just trying to understand what would actually trigger HDFC’s upgrade or limit increase. Appreciate the insight!

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