credit limit

"I have been using the SBI Cashback Credit Card since March 2025, and the initial limit was ₹20,000. When should I apply for a credit limit increase so that the limit can be raised? Any help would be appreciated."

Hey Fam! Being over leveraged and mostly a unused CC, I wanted to decrease my CL from 5L to 2L on my AXIS Privilege CC. Called customer care, shared them requirement, instantly got an message and on the app also it was showing as 2L. Also they told after 6months of cooling period I can again...

Through a normal office gossip today,I got shocked to know that my colleague has received a 10X limit enhancement from HDFC for a 4 months old Regalia Gold Card. His earlier limit was 1.10 lakhs and he said he just have spent 13256, since card issuance and mostly on Swiggy and Amazon only. And...

I usually keep my card usage under 30% but Last month I was a bit negligent & exceeded the limit of my two cards. When I checked the CIBIL I have noticed a slight fall from 791 to 783. There are no enquiries and I have used only 15% of my overall cards' limit.

Last month I sent my salary slips and ITR through email for credit limit increase. I was asked to send the signed statements and salary slips to the famous Chennai office.... I did it immediately. Today I have got a new update....they have requested me to send the same copies through email once...

Received this email. Clicking on it opened WhatsApp with "Increase Limit" message. Hitting send immediately increased limit.

Hey folks help me understand, can banks just retain/block my credit limit even after i close my card? Shouldn't it be available for any other banks card to use from a general limit/leverage. Back story: I had a hdfc credit card which was worthless until jan 25, i applied hdfc pixel play which...

I’ve been hearing that if you close your HDFC Pixel card, the credit limit might get released back to your main HDFC card. Apparently, there are 2-3 ways this can happen: 1. It happens automatically after closing the Pixel card. 2. You can write to customer care and request it. 3. If needed...

Not sure why or what it nean.. please help "Also, post reviewing your credit history with HDFC Bank, the credit limit will be transferred to your existing HDFC Bank credit card within 20 working days. However, limit reversal may not happen if declined due to policy evaluation." Shouldn't it be...

How to apply for canara bank CLE? No guidance from branch or customer care.

Hi Guys. I keep seeing lots of posts asking how to apply for limit increase for various cards so I'm making this wiki post. I will try to keep it up to date whenever possible. This is my first contribution to the forum and feedback is welcome. I'll start with simplest official method and then...

I raised a CLI request via the app last night. I got the OTP and after submitting it, I got a message saying My ticket has been registered. I am unable to see the option where I can upload my salary slip or use the account aggregator. Where can I do this?

I have a Federal Signet Rupay Credit Card. My annual income is above 12L. I have 27 credit card of multiple banks. My 2nd lowest credit limit is ₹1,92,000. But my credit Limit in Federal Card is just meagre ₹24,000. My card is around 18 months old. I have asked Limit Enhancement to Federal based...

Does ICICI update credit bureaus about the enhanced credit limit? Or it does not? Got a credit limit enhancement on Sapphiro 15 days back, but the latest CIBIL report shows the initial credit limit only.

Hello, I currently have a YES Bank Marquee Credit Card that I got through the YES Grandeur program, and it came with a ₹50,000 credit limit. I’ve been trying to get the limit increased. I sent an email to yestouchcc@yesbank.in and even submitted my income documents, but the response I got was...

Hi everyone, I’ve been using the HDFC Tata Neu Plus Credit Card since 2022, and all this while I’ve been stuck with a credit limit of ₹51,000. Today, I received an offer to upgrade/increase the limit to ₹63,000, 23.5% increase. While it's a welcome change, it’s still quite low for my current...

I am holding HDFC PIXEL PLAY CREDIT CARD for the past 5 months and my credit limit splitted from my primary card Money Back+. Is it possible to enhance my credit limit again from Existing Money Back+ card since the card gives 0.5% reward point. At the same time Pixel play gives 3% if buy from...

Hi guys, I'm holding a ICICI apay and coral card which is of shared limit and axis iocl premium and myzone card which is also shared limit but now in my cibil all 4 cards are showing separate cards and separate limit ie both icici and axis limits are doubled. Do I need to leave it like this...

I'm planning to apply the SBI Cashback card via Cashkaro and the main thing I'm concerned with is will my credit limit get lower if I apply it this way? Long story short my SBI Cashback application got rejected first time..actually declined because of the internal policies error and they said...

Is having high-limit credit cards a good thing or should I ask the bank to reduce my limits? 🤔💳 Sharing my CC stats below - CC1, CC2 – Shared Limit: ₹4.2L Average Monthly Usage: ₹10-15K CC3, CC4 – Shared Limit: ₹2L Average Monthly Usage: ₹5K CC5 – Limit: ₹5L Average Monthly Usage: ₹5K CC6...