How to Increase HDFC Credit Card Limit upto 6.5 lakh only 5 minutes/
HDFC Credit Card Limit /Increase your credit card limit in 5 minutes from home Offers keep coming, so everyone wants to have a credit card available.
Most of the banks offer you a credit card or you apply for a credit card, in the initial days, the bank gives you very little credit limit, which is enough for us.
If we want to make a big purchase online or offline, at that time due to lack of credit card limit, we are not able to make that purchase and can not take any big advantage of credit card.
For this reason, everyone wants that their credit card limit should be high, but initially banks do not give you this limit, but after using for some time, you can increase your credit card limit yourself.
If you want to increase your credit card limit, then today we will give you information on how you can increase your HDFC Bank credit card limit. In just 5 minutes you can increase your credit card limit sitting at home but first Know the advantages and disadvantages of increasing the credit card limit.
Benefits of increasing the credit card limit:-
If you want to increase your credit card limit, then you should also know about the benefits of increasing your credit card limit.
Higher limit means more cashback:-
As we have informed you above that if you make a purchase and your limit is less then you cannot buy that product and you will not get the cashback on it.
If you want to buy a mobile which costs ₹ 50000 but your credit card limit is ₹ 35000 then you cannot buy mobile with that credit card which will be a loss for you.
Then you will buy that mobile through another medium in which you will not get any cashback, due to this increasing your credit card limit can be a profitable deal for you, which can increase your limit and give cashback.
Higher credit limit means higher personal loan offer:-
The biggest advantage of having a credit card is that in an emergency you can also take a personal loan from it and the more you use the credit card with the higher the limit, the more chances of getting a personal loan.
As you all know that by having a credit card, you always get personal loan offers and if your credit card limit is more then you can take more personal loan from that bank.
And if your transaction is being done at the right time, then the bank will offer you a loan at the least interest rate, so it is important to have more credit card limit.
Credit No Cost EMI :-
The second biggest advantage of increasing the credit card limit is that you can get maximum no cost EMI in it, which blocks the limit of your card when you make no cost EMI from a credit card with a low limit.
Then you cannot make any purchases from him until you make that payment, because of this, if your limit is high, then you buy another product after buying one product, even then your credit card limit remains so that you can buy another product. Buy the product to get cashback or take no cost EMI.
Increase in credit score due to increase in credit card limit:-
By increasing the credit card limit, you get to see another advantage that if you use your credit card, then you do not use it fully, due to which your credit limit remains.
Bank helps you to increase your credit score when you will not use your full credit limit. does |
For this reason, if your credit card limit is high, then you can also increase your credit score by using it in a limited amount, which will be a profitable deal for you.
Help in emergency due to increase in credit card limit:-
If the limit of your credit card is high, then you can use it in times of trouble to get out of your trouble and later gradually return this money to the bank.
Friends, sometimes there is an emergency situation such as getting hospitalized, lack of money in marriage etc. Such situations come when you need money, if you have a card with a high limit, then you can do that with the help of that. can deal with the situation.
For this reason it is necessary to have a credit card of a higher limit, which helps you like a friend in times of trouble, try to keep your credit card limit as high as possible.
Credit card EMI option will be available:-
Whenever we are in trouble and use money, then we have to give that money back to someone together, but if you have a credit card and you have used his money then you should not worry.
You can gradually return that money to the bank by using the credit card EMI given by the bank, which can be a profitable deal for you, for this reason it is also necessary to have high credit limit so that you can get relief in times of trouble. I can spend more money and use that money slowly and return it to the bank so that you do not face any kind of problem.
Disadvantages of increasing the credit card limit:-
As you all know that the product from which we get benefit, we also suffer from it, this rule applies to everyone.
The one who will benefit you will also harm you, so if you use a credit card and it has a high limit, then you can also take a problem which will be like this-
More credit means more expenses:-
You all know that if we have more money in our pocket, then we spend more on it.
And when it is the last week of the month, we have less money in our pocket, then we spend very thoughtfully, we get to see the same rule on credit cards as well.
When we have a credit card of a higher limit, then we spend more than that, later we have trouble in returning that money and if you cannot return the money on time, then you have to pay heavy penalty and interest on that money. is |
Because of this, if you use more credit cards and are adding a credit card with a huge limit, then you need to use it carefully or else you will have to pay heavy penalty and interest.
Higher limit credit card means more risk:-
One thing you always have to keep in mind is that if you use a credit card of a large limit and anytime that card goes into the wrong hands, you end up losing a huge amount.
Sometimes due to our mistake, our card details and password are passed on to others, who can also misuse it, because of this, if you have a card of less limit then you will also be less at risk and if you have more limit. If you have a credit card, then the risk will be higher for you, so avoid using a credit card of more limit or always try to keep it safe.
Will be worried about personal loan:-
You should also be aware that if the bank offers you a credit card with a higher limit, then it tries to give you as much personal loan as possible.
And if you get caught in this personal loan affair once, then you have to deposit a hefty amount every month and even if you do not deposit the installment on time, you can still face problems!
When banks offer you personal loan, then it seems very easy process to you but when we take it then we get to see so many charges and hidden charges which can cause huge loss to us.
How to Increase HDFC Bank Credit Card Limit?
If you have HDFC Bank credit card then you can increase your credit card limit sitting at home.
Using Online Banking-
Using WhatsApp-
Increase credit limit using online banking:-
The easiest way is that if you want to increase the limit of your credit card, then you have to login to your banking portal using Internet Banking.
For this you need to have internet login id and password through which you are login to your banking website from here you can apply to increase your credit limit.
But today we will redirect you directly to that portal through a link from where you can check for HDFC Bank credit card limit whether the bank is offering you credit card limit or not.
If the bank is offering you, then how much can be your limit, you can see from here, which we have told in the video below, you can see from there and understand how you can increase the credit card limit sitting at home.
Click to increase credit card limit:-https://hdfcbank.com/credit-cards/credit-card-limit-enhancement-form
As soon as you click on this link you will reach a new page from where you can increase the direct credit limit which is as follows understand step by step.
Mobile Number Credit Card Number Input:-
Clicking on the link reaches a page, here you have to enter your registered mobile number which is in your credit card account, and below that you have to enter the last 4 digits of your credit card.
When you enter your mobile number and credit card number, then below you get an option Get OTP, you have to click on it, as soon as you do it for you you will get an OTP, this OTP on a new page where The option is visible, let’s put it there.
After entering the OTP, you get to see an option below, on this you have to click on Identify Yourself, as soon as you do it for you, you will reach a new page.
Increase your credit card limit:-
Here you will get to see the details of your credit card, as well as what is your old credit limit, you can also see it here.
Along with this, if the bag is offering you to increase the credit limit, then you will get to see your new credit limit option, where the limit of your bank is increasing, it will also be written.
Below this you will have been given the term and condition on which you have to click and below you will see a green color option, on which you have to click on confirm your new limit written on it.
As soon as you click on it, the bank sends you an OTP, you have to enter this OTP here, after which the bank increases your limit.
As soon as you enter and confirm the OTP, your credit card limit will increase and you will get to see a concentration scan message.
In this way you can increase your credit card limit sitting at home.
How to increase credit limit with WhatsApp:-
If you use HDFC Bank credit card, then you are provided with banking facility on WhatsApp, you have to activate WhatsApp banking from your mobile number, after that you can use many facilities which are provided by the bank in internet banking. Can use from WhatsApp.
You have to send a message from WhatsApp by writing the credit limit increase and the bank gives you a link, through that link you can increase your credit card limit.
In this too, you will get to see the same process which has been told to you above, as soon as you click on that link, you come to this process and increase the limit of your credit card.