I just keep this card for discounts and I don't accept the limit increases because it might cause overleverage issues for the cards I might want in future.
My PhonePe wala reject ho gaya. Escalated to PNO. Got a call and was told reason is overleverage profile and they asked salary slips. I'll update here.
But I doubt being a PSU bank they will approve it easily without having account with them. Secondly they have the best reason to share for rejection - "Over Leverage" :P
Got this card for my wife and applied add on for me (overleverage issue). A very good card and already using it to the core to take benefits out, card came and already got 4k cashback.
Wonderful rupay upi card to have.
But this time they didn't compete with SBI in festival sales offers. I'm very disappointed. Seems like SBI will be no.1 soon. I don't want SBI to be no.1 because of my overleverage
I’m in same boat. Last month 2 hits for a loan, and 1 this month for SBI (which they declined with overleverage)
I’m also avoiding any more hits till November