STUCK WITH BOB EASY CC LTF

[ahmedshaikh__]

For almost 2 years I’m using bob easy LTF with low limit they increased my limit once from 20k to 26k also this is my first credit card which I don’t want to close since it’s LTF
I just want to know can I upgrade this card from easy to any if yes then with low limit which card I’m eligible.
Also I have bob account for more then 5 years

 

[Dheermishra]

Email at crm@bobfinancial.com for LE.

 

[ahmedshaikh__]

Email at crm@bobfinancial.com for LE.

Well I did that once they increased 20k to 26k
When everyone got LE offer recently I just want to know will they upgrade my cc ? In this limit ?

 

[Not S1mple]

You still lucky enough that you got 20k now increased to 26k. I am holding Select Credit Card with a limit of only 12k. The irony is I have salary account with BOB. Still other banks provide me a limit of more than lakhs in almost all fresh cc approvals. This bank can't even provide that after sending the income documents to and only the limit they promised to give is only 15.6k from 12k. Talked to BM , as usual govt. employee said it's not our department we can't do anything to help you.

 

[John Since]

After successful application, the sanctioned limit for me was shown 100000 and after receiving the card, it is mentioned 50000 in the letter came with the card.

 

[RishiKiDev]

After successful application, the sanctioned limit for me was shown 100000 and after receiving the card, it is mentioned 50000 in the letter came with the card.

Yep many in this forum have mentioned the heavy discrepancy between the sanctioned limit and the actual limit. Not surprising at all.

 

[RAMESH BABU N]

You still lucky enough that you got 20k now increased to 26k. I am holding Select Credit Card with a limit of only 12k. The irony is I have salary account with BOB. Still other banks provide me a limit of more than lakhs in almost all fresh cc approvals. This bank can't even provide that after sending the income documents to and only the limit they promised to give is only 15.6k from 12k. Talked to BM , as usual govt. employee said it's not our department we can't do anything to help you.

As I said in 2 other threads, do not have any attachment to any CC. It is good only as on the date of it's issue and is good in value only till you continue to use. It too has a limited life. After the purposes are served n if it is no VFM any longer, close/dump it. Have fewer CCs with most useful features n high limits than having 2 dozen cards with limits in '000s.

 

[ahmedshaikh__]

As I said in 2 other threads, do not have any attachment to any CC. It is good only as on the date of it's issue and is good in value only till you continue to use. It too has a limited life. After the purposes are served n if it is no VFM any longer, close/dump it. Have fewer CCs with most useful features n high limits than having 2 dozen cards with limits in '000s.

Well I can’t close/dump this one as it’s my first cc btw I’m thinking to close few CC

 

[ahmedshaikh__]

Yep many in this forum have mentioned the heavy discrepancy between the sanctioned limit and the actual limit. Not surprising at all.

So they do this to everyone ?

 

[ahmedshaikh__]

You still lucky enough that you got 20k now increased to 26k. I am holding Select Credit Card with a limit of only 12k. The irony is I have salary account with BOB. Still other banks provide me a limit of more than lakhs in almost all fresh cc approvals. This bank can't even provide that after sending the income documents to and only the limit they promised to give is only 15.6k from 12k. Talked to BM , as usual govt. employee said it's not our department we can't do anything to help you.

Btw is that ur first cc ? Or u had any cc before bob cc ??

 

[Not S1mple]

No. Axis got me the first cc

 

[Not S1mple]

As I said in 2 other threads, do not have any attachment to any CC. It is good only as on the date of it's issue and is good in value only till you continue to use. It too has a limited life. After the purposes are served n if it is no VFM any longer, close/dump it. Have fewer CCs with most useful features n high limits than having 2 dozen cards with limits in '000s.

Right 👍, very true will look into close to close this card. Because I can fetch any use of this card because no instant discount purchase electronic,etc.. can be done during sale because of this low limit. Better close this cc, although being psu bank they will be bothered any related to customer satisfaction

 

[ahmedshaikh__]

For almost 2 years I’m using bob easy LTF with low limit they increased my limit once from 20k to 26k also this is my first credit card which I don’t want to close since it’s LTF
I just want to know can I upgrade this card from easy to any if yes then with low limit which card I’m eligible.
Also I have bob account for more then 5 years

This reply I got from then what should I do now ??

 

[Shubham Yadav]

This reply I got from then what should I do now ??

Nothing the bank is in adamant mood

Wait atleast decade to get 50k limit and upgrade

I am also in same boat as you.

 

[ahmedshaikh__]

Nothing the bank is in adamant mood

Wait atleast decade to get 50k limit and upgrade

I am also in same boat as you.

Bro they r increasing limit once in a year and only 30% from current limit with that speed it’s will take 3/4 years

 

[vaibhav111]

So they do this to everyone ?

yes... they did with me too. just 40k something and now it 52k. it will take around 10 yr i think for this bob select of mine to reach 2 lakhs.

 

[Shubham Yadav]

Bro they r increasing limit once in a year and only 30% from current limit with that speed it’s will take 3/4 years

Yes this is BoB

Leave this bank

Move on other bank

Not worth it for our consideration

 

[vaibhav111]

This reply I got from then what should I do now ??

nothing can be done! have select.. use some other cc and only use one a year to keep it alive.

 

[ahmedshaikh__]

nothing can be done! have select.. use some other cc and only use one a year to keep it alive.

Well I mailed them again that I have other cc with higher limit then this cc I can share statement too I’ll wait for this reply otherwise I’ll give up

 

[ahmedshaikh__]

Yes this is BoB

Leave this bank

Move on other bank

Not worth it for our consideration

Well then I’ll just keep it alive still better then nothing