SBI simply save encash/PL query

[zenchill]

I hold a SBI simply save cc from 2019. The limit is 100500. I have never received any encash /pl option ever. My cibil is decent at 750+, no loans, no default in cc payments ever. Credit utilisation also 30% round about.

Is there anything I can do to get encash/pl option or is it because my limit is too low? Any way to get limit increase offer in that case?

Sbi card holders please suggest.
Thanks in advance

 

[Shubham Yadav]

You just ask and create thread ?

Discussion regarding personal loan for self employed person

Hello @everyone, Few months ago i got pre approved offer from Axis Bank for personal loan at interest of 13% & processing fee waive off, no hidden charges. I was curious as i am not salaried person and still receiving this offer. Few years ago got similar loan using CRED at 12% interest rate...

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[zenchill]

More relevant in SBI cc thread bro I think. That discussion there is more about loans for self employed.
Shayd better insights mil jayein yahan 🙂

 

[Shubham Yadav]

More relevant in SBI cc thread bro I think. That discussion there is more about loans for self employed.
Shayd better insights mil jayein yahan 🙂

As i said stop using card

I have two sbi card and get 96000 and 110000 encash offer

 

[zenchill]

What's your credit limit if I may ask and how old are the cards?

 

[akshayhs]

You can get encash on any limit. Encash is an add-on loan to your credit card. Your credit limit is not deducted to issue encash. I have an encash loan going on and my limit on card is 32k. 2+y old account and score is 782.

 

[zenchill]

Thanks and that's what I thought but I don't get encash option with all points mentioned above so I'm wondering why. Something I'm not doing right? No idea how to get that option available

 

[akshayhs]

Something I'm not doing right?

No, them offering it is random and not guaranteed.

 

[zenchill]

No, them offering it is random and not guaranteed.

5 saal mein 1 baar bhi nahin aaya 😊

 

[Pankajkr09]

I hold a SBI simply save cc from 2019. The limit is 100500. I have never received any encash /pl option ever. My cibil is decent at 750+, no loans, no default in cc payments ever. Credit utilisation also 30% round about.

Is there anything I can do to get encash/pl option or is it because my limit is too low? Any way to get limit increase offer in that case?

Sbi card holders please suggest.
Thanks in advance

I also hold SBI simplysave card from last 1.5 year but never got option for encash. Recently I have upgraded my card to simplyclick card with limit of 130000. Let's see what happens.