Should I take shared limit credit card?

[ihmahetar]

I have icici bank Amazon pay credit card and limit was 2.30 lakh and I mobile give me 2 different Life time free credit card.

If I take then my cibil report will be show seperate limit for all credit card and my total credit limit will increase and utility ratio will decrease for that reason should I take it or not ?

 

[Swastik]

Take it .

 

[HyperxNeo]

I have icici bank Amazon pay credit card and limit was 2.30 lakh and I mobile give me 2 different Life time free credit card.

If I take then my cibil report will be show seperate limit for all credit card and my total credit limit will increase and utility ratio will decrease for that reason should I take it or not ?

You can mark your qs as an answer(jk).
Yes, this is good for maintaining credit utilisation ratio. Yes I slso have same. Shows diff limit @cibil

 

[pslashb]

Yeah makes sense to take it. But ensure it is not an "upgrade" and a new card altogether.

 

[rajats3d]

Hi Guys,
I have Axis Horizon and Axis airtel with total limit of 9 lacs. I'm getting Axis Atlas from pre-approved cards but with shared limit of existing 9 lacs. Is it okay to take Atlas on shared credit limit, pls suggest. Also will shared limit have any negative impact