You commented CL — here's the full guide. 🔓

Banks rarely raise your limit on their own. You have to ask, through the right channel — and each bank's door is different. A higher limit also quietly helps your credit score by lowering your utilisation (balance ÷ limit), so asking is upside with almost no downside.

Instagram doesn't allow links in posts — that's what this doc is for. Save it. 📌

⚠️ Read this first

• No one can guarantee a credit limit increase — not me, not any "hack." These are the right ways to ask. The bank's decision is always final.
• Banks already send pre-approved offers over email and SMS — most people just miss them. This doc helps you surface what you overlooked.
• You can always raise a request. If it's declined, wait ~6 months before asking again — repeated requests in a short window can work against you.

🔷 American Express — simplest! One call

Call 1800-419-1230 and ask for a credit limit increase. They verify your gross income; if eligible, the upgrade is instant. This upgrade is usually instant if they approve! How cool is that?

You can request this once every 6 months.

By the way : Amex is running a promotional offer till 30th June, where you’ll get 19,000 MR Points if you spend INR 30,000 in the first 90 days! Transfer points to Marriott at 1:1 and you can book yourself a great holiday in any Marriott around the world Apply here!

You have been referred for an American Express Card by your friend

🔵 HDFC Bank — 3 routes

1. Official limit enhancement form

Apply here → HDFC Credit Limit Enhancement form

Enter your registered mobile + card number, verify the OTP, choose your new limit, confirm.