Axis low limit. Should I cancel and apply again?

[telescope]

I have flipkart axis cc since ~3 years now. This card I got when I didn't have any savings account with axis. The limit is very low around 20k. My other cards limit are in lakhs.

I have used this card a lot and also always paid bills on time. Limit was never increased.

Recently opened axis savings account and in netbanking I can see pre-approved offers, but, it is showing that limit would be shared with existing cc.

What should I do now? If I cancel existing cc and apply again after some time, will I get better limit?

Also, pre-approved cards are not LTF, whereas same cards are being offered LTF on their website.

I want to get rid of flipkart axis because of high annual fee waiver criteria. I want a card with higher limit and also LTF.

Please suggest. Thanks

 

[Akashn]

You should've applied for new card as new customer.. later ask cc to merge the limit..

 

[telescope]

You should've applied for new card as new customer.. later ask cc to merge the limit..

I don't get you. How can I become new customer?

 

[CMG]

I have flipkart axis cc since ~3 years now. This card I got when I didn't have any savings account with axis. The limit is very low around 20k. My other cards limit are in lakhs.

I have used this card a lot and also always paid bills on time. Limit was never increased.

Recently opened axis savings account and in netbanking I can see pre-approved offers, but, it is showing that limit would be shared with existing cc.

What should I do now? If I cancel existing cc and apply again after some time, will I get better limit?

Also, pre-approved cards are not LTF, whereas same cards are being offered LTF on their website.

I want to get rid of flipkart axis because of high annual fee waiver criteria. I want a card with higher limit and also LTF.

Please suggest. Thanks

Apply another card via c2c. Later merge the limits.

 

[Akashn]

I don't get you. How can I become new customer?

I mean choose no here.. now i am not sure if that works if you already have bank account..

 

[NShah]

Apply another axis bank cc after approval you can merged new card limit with all your axis bank cc

 

[drsel]

I mean choose no here.. now i am not sure if that works if you already have bank account..

No no, call Customer care to send the agent your house to apply for a new card based on the card with the highest limit that you have currently

 

[SycSCNR]

You can apply for a LE with your salary slip or ITR,since you have savings account with them now u can easily get a decent limit enhancement.I was exactly in the same situation.Got Flipkart card with 15k later opened a savings account with them and apply for LE using my ITR of 5 lakh.They increased my limit from 15k to 1Lakh

 

[telescope]

You can apply for a LE with your salary slip or ITR,since you have savings account with them now u can easily get a decent limit enhancement.I was exactly in the same situation.Got Flipkart card with 15k later opened a savings account with them and apply for LE using my ITR of 5 lakh.They increased my limit from 15k to 1Lakh

Great. I'll try this route first

 

[aayusharyan]

I have applied for a new CC (Axis Neo as they have LTF offer) by Selecting No in the Existing Customer section. It is in check for Eligibility. vKYC done, Cibil Hit done. My existing FK Axis CC is having very shameful limit. So, let's see if I can get that. I will update here.

 

[aayusharyan]

I have applied for a new CC (Axis Neo as they have LTF offer) by Selecting No in the Existing Customer section. It is in check for Eligibility. vKYC done, Cibil Hit done. My existing FK Axis CC is having very shameful limit. So, let's see if I can get that. I will update here.

Update.
I got approved.
My situation:
- Have FK Axis LTF with a limit of just 60K :/
- Holding that card since 2021. Not used much. Just a few transactions here and there to avail discount.
- No other relationship with Axis Bank.
- Experian check was done, Experian score 819.
- Applied as a new customer. (Selected no on the first screen)

Timeline:
- Applied on 24th.
- vKYC done on 24th night itself.
- Eligibility check started on 25th.
- Approved today, on 4th.

No physical verification done. No other documents asked, just PAN and Aadhar Authentication.
Card is not yet showing in Axis Open app.

 

[aayusharyan]

Now showing on the app as well. It has it's own Credit Limit of 1.9L. Will request for LE after the cooldown period. Anybody knows what that is for Axis Bank? 6 months?

 

[card-shard]

I have flipkart axis cc since ~3 years now. This card I got when I didn't have any savings account with axis. The limit is very low around 20k. My other cards limit are in lakhs.

I have used this card a lot and also always paid bills on time. Limit was never increased.

Recently opened axis savings account and in netbanking I can see pre-approved offers, but, it is showing that limit would be shared with existing cc.

What should I do now? If I cancel existing cc and apply again after some time, will I get better limit?

Also, pre-approved cards are not LTF, whereas same cards are being offered LTF on their website.

I want to get rid of flipkart axis because of high annual fee waiver criteria. I want a card with higher limit and also LTF.

Please suggest. Thanks

Have you tried talking to customer care regarding limit increase??
In chat support section, there is an option for limit increase.
sometimes they increase limit without any docs, sometimes they ask for latest salary slips etc...

 

[telescope]

Have you tried talking to customer care regarding limit increase??
In chat support section, there is an option for limit increase.
sometimes they increase limit without any docs, sometimes they ask for latest salary slips etc...

Yes. They didn't budge.

 

[aayusharyan]

Yes. They didn't budge.

Daamn. It will be tough for me after the cooldown period then. 🙈

 

[unusedbrain1]

You can apply for a LE with your salary slip or ITR,since you have savings account with them now u can easily get a decent limit enhancement.I was exactly in the same situation.Got Flipkart card with 15k later opened a savings account with them and apply for LE using my ITR of 5 lakh.They increased my limit from 15k to 1Lakh

You mean after 6 month or within

 

[aayusharyan]

Yes. They didn't budge.

Maybe try like a few more times. Sometimes the customer support rep doesn't know about the policies or isn't in a mood to do that. No harm in trying anyways.

 

[telescope]

Maybe try like a few more times. Sometimes the customer support rep doesn't know about the policies or isn't in a mood to do that. No harm in trying anyways.

I'll try your route first. Applying by selecting "no"

 

[aayusharyan]

I'll try your route first. Applying by selecting "no"

Cool. All the best. Do post the updates here. 😉

 

[aayusharyan]

You should've applied for new card as new customer.. later ask cc to merge the limit..

What is the process to Request for Limit merger? And without limit merger, will it show as 2 Credit accounts in Credit Reports?