HDFC Credit Card Temporary Limit Increase

HDFC Credit Card Temporary Limit Increase:

In case your credit card limit is insufficient for a particular purchase you want to do, you can request HDFC CC Redressal Team for a temporary limit enhancement.

You may send a mail to any of the following addresses:

You must mention the following:

  1. Your name, and last 4 digits of the card.

  2. Why do you need limit enhancement?

  3. Amount of purchase.

It will take some days but they will often agree to offer a temporary limit enhancement for 30 days.

But before you proceed towards availing your limit increase, kindly note the following:

  1. In case you transact above your usual credit limit even after the temporary limit increase, you will be charged an overlimit fee of 2.5% of the overlimit amount, subject to a minimum of Rs.550.00.
  2. You cannot convert your transaction to EMI. You need to pay it upfront.
  3. This ‘overlimit usage’ will also be reported to CIBIL, which may affect your credit score too.

So, if you decide to opt for this route, choose wisely and then proceed. You may want to use other methods, such as buying partial gift vouchers, and paying the rest with your card, or using someone else’s (a friend or relative’s) card to complete your purchase.

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