Credit Card

POSTED BY Bidyut Malakar ON December 6, 2012 3:12 pm COMMENTS (2)

Hi,

I have a credit card more than 5 + years old my credit limit is 5000 Rs only.When i had this card my Limit was 30000 Rs, but 1st 2 years i never ever use it so the HDFC drop my Limit.

Now I want to increase my credit card Limit I also apply for credit card from other bank.but yet have not any + response.

My other Profile.

1) I had taken a loan from HDFc and I was close it with full payment.

2) My use of credit card aprx 2000 to 3000 Rs monthly basis and repayment every time on time.

3) My salary 3.4Lacs Annual.

My question is that can I get another credit card / enhanced my credit limit if no why?

In future am I going to face any problem to getting loan?

How can I improve this sitituation..?

Thanks

Bidyut

2 replies on this article “Credit Card”

  1. Credexpert says:

    Dear Mr. Malakar,

    Have you applied to HDFC Bank to increase the credit limit?
    If yes, then did they respond positively?

    It would be difficult to comment on whether you would get another credit card or your existing credit limit will be increased and whether your loan application would get approved in future as it all depends on your credit score.

    We offer a service under which we analyse an individual’ report and provide counselling to them on how to improve their credit score and steps to be taken to correct discrepancies appearing on credit report.

    Please take a look at our website http://www.credexpert.co.in to know more about our services.

    Regards,
    Credexpert

  2. Ramesh says:

    Check your netbanking portal, and see if there is an option of increasing the Limit of the card. Otherwise, call hdfc credit card number and ask for the procedure. They will tell you if it is possible, and if not, a reason for that.

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