Got One Card upgrade offer ?

[knockoffaxis101]

Hey,

I got offer from South Indian bank 1.05L but i was hoping for more . Should I take it
OR Wait...


If this happend with anyone of you, When was last offer & how much time it take for new offer ?
Please also brief the details.
Your fd amount and usage?

 

[Gaara]

Yup, When I first installed One Score It showed your card is approved with 1.59 lac. form south India bank. After 2 months when I refreshed the score, I was shown the New Approved Limit as 3lac.

 

[knockoffaxis101]

Yup, When I first installed One Score It showed your card is approved with 1.59 lac. form south India bank. After 2 months when I refreshed the score, I was shown the New Approved Limit as 3lac.

But you didn't get the FD card, did you ?

I have FD CARD with SBM bank, so...

 

[Gaara]

No, it wasn't FD card 😅
hey there is a similar thread, they got FD to secure Upgrade recently

Check this out: One Card offers upgrade from FD to unsecured card

 

[knockoffaxis101]

I read the whole thread, but didn't see anyone mentioning dilemma I'm having 😒

 

[Gaara]

Is One Card your primary? or do you possess other cards where your spending is high?

 

[knockoffaxis101]

Is One Card your primary? or do you possess other cards where your spending is high?

No.. But it was my first. And kind of excited for METAL CARD too. But i don't wanna stuck with low limit .

 

[Gaara]

1.05L is decent limit, you better take it and use it for 6 months they could increase limit again after 6M.
and
Apply HDFC C2C you can get Millennia. and you can also try for ICICI Amazon pay.

 

[knockoffaxis101]

SIB is known for not increasing limit very well that's the issue. It it was with BoB i would have taken it.

 

[BeingIncog]

SIB is known for not increasing limit very well that's the issue. It it was with BoB i would have taken it.

it hurts here, got first credit card as onecard that to with SIB as partner bank. 15 limit... then le after 6 month to 25K that's it... will just close it soon...

 

[knockoffaxis101]

it hurts here, got first credit card as onecard that to with SIB as partner bank. 15 limit... then le after 6 month to 25K that's it... will just close it soon...

That's what i am talking about. They are not pretty good with limit enhancement.

 

[Gaara]

That's what i am talking about. They are not pretty good with limit enhancement.

If I were in your position, I would accept the current offer and wait for a while. Later, consider applying for other bank cards through card-to-card (C2C). This way, you’re likely to receive better limits on cards from other banks.

Waiting indefinitely for SIB to provide a better offer is uncertain, and you might miss out on the current offer.

 

[knockoffaxis101]

Mostly i will take it because of Metal card , otherwise i would have waited for another offer.

 

[Cc_creditguy]

Guys is there any possibile way 😕😕

 

[Gaara]

Guys is there any possible way 😕😕

What was the offer?

 

[knockoffaxis101]

What was the offer?

Hey, you know any hdfc agent. I need millennia card.

 

[Cc_creditguy]

Hey, you know any hdfc agent. I need millennia card.

Yeaa I'll DM you

 

[Cc_creditguy]

What was the offer?

It's a pre approved card sir