cc issuer can see max cc limit reported in cibil that's why they pull credit report via hard inquiry and those who got under 2 to 1 lakh I asked them about their max limit and they got(Near to) what their max limit reported in cibil.
Just my observation
after my video vkyc got a call from RBL that my pan card (new Pan with QR Code) is not original 🤷♂️ so they asked old pan and did re- vkyc and got approval next minute