I have an HDFC Business Moneyback Rupay Credit Card with a credit limit of ₹1.5 lakh. As it is often said to always keep your credit card utilization ratio below 30%, (for good credit score) I do the same and always use a maximum of 25 to 30% of my credit card limit. I never use the credit card limit more than 50 thousand out of 1.5 lakh. I do not fully utilize my card limit and remain limited to only one third of the limit,
Now I want to increase my overall credit limit but don't know whether HDFC will do limit enhancement or not.
On the other hand, I am continuously getting credit card offer of Rs 5 lakh limit from SBI through SMS.
After talking to SBI customer care they say that their offer is genuine but we cannot offer the card on your current PIN Code. Whereas I have HDFC at same address PIN code. What should I do to get SBI CC?
Note: I do not have any income proof or ITR but my CIBIL score is 790 and Experian score is 860. I also got my current HDFC CC on the basis of my savings account history.