Sobirvs
TF Ace
So, I did this 1 or 1.5 months back
I changed my limit of ICICI through website/app and now finally today I see it is reflecting the same. My limit is 4.7L and I decreased it to 47k, and it is showing the correct one. I also changed kotak card's limit and that too is reporting correctly now in CIBIL.
However my main problem is I have 3 axis cards and one IDFC card. Axis has 4.65L limit all shared, IDFC has 5L+ limit. Basically these 4 cards are taking like 19L limit. I have changed it on axis app and IDFC too but I don't see any change on CIBIL yet. Can this even be done for IDFC and Axis??
Today I changed my limits on SBICard, Amex, yesbank(kiwi), and few others, let's see if they reflect in a month or so.
One thing is for sure, limit change does reflect in CIBIL for few bank credit cards. I am gonna list them here and make a list so that people can be aware of this and can decrease leverage. Btw I am not sure if doing this decreases leverage but I want SBI Cashback card hence doing this. I have closed 7-8 cards till now and I still have about 15-16 cards more. It's getting tough to close these cards as each card has a specific purpose for me. I'll be applying for cashback card in May so till then I am making a list which bank cards can be adjusted for limit in CIBIL , other's can hopefully contribute in this too here.
✅ Kotak
✅ ICICI
I changed my limit of ICICI through website/app and now finally today I see it is reflecting the same. My limit is 4.7L and I decreased it to 47k, and it is showing the correct one. I also changed kotak card's limit and that too is reporting correctly now in CIBIL.
However my main problem is I have 3 axis cards and one IDFC card. Axis has 4.65L limit all shared, IDFC has 5L+ limit. Basically these 4 cards are taking like 19L limit. I have changed it on axis app and IDFC too but I don't see any change on CIBIL yet. Can this even be done for IDFC and Axis??
Today I changed my limits on SBICard, Amex, yesbank(kiwi), and few others, let's see if they reflect in a month or so.
One thing is for sure, limit change does reflect in CIBIL for few bank credit cards. I am gonna list them here and make a list so that people can be aware of this and can decrease leverage. Btw I am not sure if doing this decreases leverage but I want SBI Cashback card hence doing this. I have closed 7-8 cards till now and I still have about 15-16 cards more. It's getting tough to close these cards as each card has a specific purpose for me. I'll be applying for cashback card in May so till then I am making a list which bank cards can be adjusted for limit in CIBIL , other's can hopefully contribute in this too here.
✅ Kotak
✅ ICICI
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