u/Mundane_Ad2890

I’m holding regalia gold LTF (1.5 YR old) , with 3L limit. Spends in last 6 months 1.7L ( were high previously, then got atlas, so moved my spends), net monthly salary 2.4L

How should i go ahead?

1. First mail them to increase credit limit then ask for an upgrade
2. Directly mail them for an upgrade? Let’s assume they reject it, will point no 1 get approval?

Also pls dont suggest talking to RM, she is there just to complete her targets and cross sell products

Also, I’m an imperia customer and salary doesn’t credit to HDFC. I have good relationship with hdfc, savings account, personal loan, medical insurance.