Scapia card got rejected

[Riyon]

Hi,

I'm holding a Federal Bank Imperio 2.60 lac credit card.

I got the card in September 2024.

Now I came to know that Federal Bank allows users to have two cards, so I applied for a Scapia card but it was rejected.

I sent an email requesting reconsideration, but they said I've reached my maximum permissible limit.

What should I do to get this card after 90 days?

My total credit card limit is 31 lac.

I mostly have cards from all banks..

 

[subham23]

Credit cards, personal loans, student loans, and lines of credit are common types of unsecured credit products.
Based on Bank's email, i suggest you to lower down your monthly spend based on your income (do not use 100% of credit limit) as multiple credit cards from same bank share same credit limit. As recommended by bank, control your credit card utlliization smartly for 3 months and re-apply.