How can i ask OneCard for LE?

[bigwillybilly]

They offered this card to me when I had no income proof, no salary slip, just a really good cibil score, now 4-5 months later I have ITR and it's higher than what I told them my income was 🤭 so I'm wondering if with ITR, they'd give me a higher limit

Should I use the in-app 'chat with us' function or should I email them? What should I say in the email? 😅 I don't want to mess this up, i don't want to say something wrong or not say something that i should have, so help me out bois

I have the south Indian Bank variant, what are the chances of getting an LE with those guys?

 

[bigwillybilly]

SIB is slow af, as expected, they responded to me two days after my initial email to them

"We have forwarded your requirement with the concerned department and will be taken care. Your patience is appreciated and valued"

It's been 3 or 4 days since I recieved that email, nothing has happened yet, haven't recieved any updates, no one reached out to me from any department, no LE option on the app. 😴I just hope to god I never have any issues with them that actually require immediate assistance 🤭

 

[D₹V]

Your patience is appreciated and valued

Patience 😜 😅

 

[aayusharyan]

OneCard can't do anything. I will try asking the bank directly now. IDFC has 6 months cooldown period, then will start mailing them.

 

[RishiKiDev]

OneCard can't do anything. I will try asking the bank directly now. IDFC has 6 months cooldown period, then will start mailing them.

IDFC? They have stopped issuing OneCard.

 

[aayusharyan]

IDFC? They have stopped issuing OneCard.

Ahhh sorry sorry sorry, yes, IDFC has stopped issuing. I have BOB Financial one now. 😅
Wait, BOB has 12 months cooldown period. 🥲

 

[RishiKiDev]

Ahhh sorry sorry sorry, yes, IDFC has stopped issuing. I have BOB Financial one now. 😅
Wait, BOB has 12 months cooldown period. 🥲

Have you tried to apply for any BoB card? They say you can't if you have BoB ONECARD.
I've the same bob onecard with 5L 🤣

 

[aayusharyan]

Have you tried to apply for any BoB card? They say you can't if you have BoB ONECARD.
I've the same bob onecard with 5L 🤣

I have.
OneCard BOB Financial LTF
BOB Premier LTF

Both have their own CL and stuff.

 

[RishiKiDev]

I have.
OneCard BOB Financial LTF
BOB Premier LTF

Did you get it after the onecard?

 

[aayusharyan]

Did you get it after the onecard?

Ohhh, I think chronology was like this:
- OneCard with IDFC
- BOB Premier
- OneCard with BOB Financial converted.

 

[aayusharyan]

So, I guess I got lucky and slipped between the cracks. Hehe

 

[RishiKiDev]

Ohhh, I think chronology was like this:
- OneCard with IDFC
- BOB Premier
- OneCard with BOB Financial converted.

Oh you lucky...! I'm doomed then. I thought we will suffer with eternal doom of not getting a BoB card together 😂

 

[aayusharyan]

Oh you lucky...! I'm doomed then. I thought we will suffer with eternal doom of not getting a BoB card together 😂

Hahaha, so BOB also has 1 card policy? similar to Fedup bank?

 

[RishiKiDev]

Hahaha, so BOB also has 1 card policy? similar to Fedup bank?

I haven't tried yet but people in the forum have told me that I can't get a BoB card if I hold BoB ONECARD.
And with such a limit I can't contemplate to close it too. If I close it I can't get OneCard ever.
Idhar kuan udhar khai

 

[aayusharyan]

I haven't tried yet but people in the forum have told me that I can't get a BoB card if I hold BoB ONECARD.
And with such a limit I can't contemplate to close it too. If I close it I can't get OneCard ever.
Idhar kuan udhar khai

Haha, I can understand. Anyway BOB Cards is not doing any LTF Promotion and no point in getting a paid card. Try once they have some offer going on.
Anyway you have DCB, why would you need these poor cards. 🫣

 

[RishiKiDev]

Haha, I can understand. Anyway BOB Cards is not doing any LTF Promotion and no point in getting a paid card. Try once they have some offer going on.
Anyway you have DCB, why would you need these poor cards. 🫣

If its LTF then I definitely want it. 😂

 

[aayusharyan]

If its LTF then I definitely want it. 😂

LTF for Life Gang. Hehehe, I regret not being in the game early enough, otherwise would have gotten MRCC as LTF also. That's the only card in my portfolio which is paid. Sometimes I think to cancel it, but then there will be no core AmEx card.

 

[RishiKiDev]

LTF for Life Gang. Hehehe, I regret not being in the game early enough, otherwise would have gotten MRCC as LTF also. That's the only card in my portfolio which is paid. Sometimes I think to cancel it, but then there will be no core AmEx card.

Same here. After getting my first card from HDFC, I didn't apply for any other card for one whole year.
I wasn't much aware about credit cards back then.
I didn't even want to take it. My RM forced it upon me. 😂

 

[aayusharyan]

Same here. After getting my first card from HDFC, I didn't apply for any other card for one whole year.
I wasn't much aware about credit cards back then.
I didn't even want to take it. My RM forced it upon me. 😂

Same, 2021 I got like 10 CC, 2022, not much activity, got busy with work stuff. Now back in game. 😎

 

[humptydumpty]

Less than 1% 😂

I just recieved 1.6L to 4.3L LE i never used one card much ,i just used this month for first time in last 9months on amazon platform it was around 5400rs and some petrol of 2000rs

 

[D₹V]

I just recieved 1.6L to 4.3L LE i never used one card much ,i just used this month for first time in last 9months on amazon platform it was around 5400rs and some petrol of 2000rs

Yes, BOB is giving much LEs on Onecard.

But theirs own card holders (easy, select, eterna, etc) cry for LEs.