How to Check Credit Limit in HDFC Card? (EXPLAINED)
Credit cards can be an efficient and useful way to pay for things, but they also come with their own set of charges and fees. Interest charges are one such hefty burden, which can quickly skyrocket if you exceed your limit. To make sure that you don’t spend more than you can afford, it is wise to know how to check credit limit in HDFC card. There are various methods available such as internet banking or HDFC app; SMS/call customer care number as well. Being aware of how and when to check balance will ensure you don’t exceed your limit and incur additional interest charges from interest charges in future. Knowing this technique will also save time when shopping & helps prevent overspending!
You can also check out other tips for banking with us!
Log into your net banking account and select the Cards section, to quickly check your HDFC credit card balance online. Here you’ll see all active credit cards with their respective available credit limits and statement balances – an efficient and comprehensive method to monitor all of the transactions made using your card.
HDFC credit card limits are determined at their sole discretion by the bank, taking several factors such as income and creditworthiness into account when setting them. A strong repayment history with timely repayments will increase your CIBIL score and may help secure you with a higher credit limit.
If you wish to increase your credit limit, the bank must first be requested. Financial documents, such as salary slips or bank statements as proof of address will need to be submitted for consideration; once this process has taken place you will then be informed as to whether your limit has been increased or not.
Check your credit card balance online by going to HDFC online banking website and signing in using your user ID and password. After signing in, select Cards > Active Cards which will show all cards linked with your account including their current balances and available limits.
Monitoring your monthly credit card statements is the best way to keep an eye on your balance and stay within your credit limit. They also enable you to monitor any suspicious activity on your card so you can alert the bank immediately, which could prevent falling into debt and losing it!
