Regalia gold to Infinia upgrade possibility
I have a Regalia Gold FYF, which initially had a credit limit of ₹7.8L. Not realizing the importance of the core card limit, I unknowingly transferred ₹1.1L to my Pixel, reducing Regalia’s limit to ₹6.7L.
About 15 days ago, I applied for the Swiggy HDFC LTF, and it ended up sharing the same limit. Recently, I received a limit enhancement (LE), bringing my total credit limit on Regalia to ₹7.9L.
I reached out to the grievance team for a card upgrade, but they registered a case and rejected it the next day. After that, I escalated it to PNO the same day. The following day, I received a CIBIL inquiry notification, and the next day, they registered a new case. I also got an email from the priorityaddressal.pb ID stating that they are conducting an appropriate review and will update me in a few days.
It has been two days now, and I am wondering if this is a positive sign or just a standard response before rejection.
For context:
Total spends: ₹9.5L+ in the last 24 months
Salary account with Imperia for 10+ years
Sanchay Plus 3l 5 years back (i dunno why i did that, RM proposed)
₹5L FD with HDFC
Salary not meeting new DCB metal criteria
Would appreciate insights from those who have been in a similar situation!