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Axis Credit limit Query

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Heisenberg37

Heisenberg37

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I have vistara infinite and atlas
Spent around 10L from each card
But i stop spending on these cards like from 5 months

My current CL is 1.21L
I have a itr of 12.5L as business income
Is it enough to increase my limit to 2L?
 
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I also have same set of cards from Axis with combined limit of 1.20 lakh. I applied for LE ..and provided them with 2 month salary slip along with bank statement and they asked me what limit am I expecting. I just said 5 lakh . And they increased it to 5 lakhs ..it took nearly 2 weeks
 
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Heisenberg37 said:
I have vistara infinite and atlas
Spent around 10L from each card
But i stop spending on these cards like from 5 months

My current CL is 1.21L
I have a itr of 12.5L as business income
Is it enough to increase my limit to 2L?
Click to expand...

Yes, they will. Just email them or reach out to them over the phone. They will most likely ask you to upload the ITR or Salary slips. Also note that Axis put in hard enquiry as well on your CIBIL for manual LE.

Earlier in the early days, I had Axis ACE, used for whole year but didn't get automatic LE from them. I then initiated manual one by giving two months salary slip, they doubled the current limit I had, i.e., 80K to 160K.
 
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emadiqbalali said:
Yes, they will. Just email them or reach out to them over the phone. They will most likely ask you to upload the ITR or Salary slips. Also note that Axis put in hard enquiry as well on your CIBIL for manual LE.

Earlier in the early days, I had Axis ACE, used for whole year but didn't get automatic LE from them. I then initiated manual one by giving two months salary slip, they doubled the current limit I had, i.e., 80K to 160K.
Click to expand...
Yeah they do hard cibil enquiry also
And I applied again for LE after 2 months but this time they gave that internal policy reason for not accepting LE request
 
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Aquarius said:
I also have same set of cards from Axis with combined limit of 1.20 lakh. I applied for LE ..and provided them with 2 month salary slip along with bank statement and they asked me what limit am I expecting. I just said 5 lakh . And they increased it to 5 lakhs ..it took nearly 2 weeks
Click to expand...
Can you tell me how did you managed to do that?
Did you email them?
Email id?
 
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Aquarius said:
Yeah they do hard cibil enquiry also
And I applied again for LE after 2 months but this time they gave that internal policy reason for not accepting LE request
Click to expand...

Yes, that's correct as they have policies that specifies a cool down period even for LE. You are most likely need to wait 6 months before you can request for another LE or even a year depends.
 
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emadiqbalali said:
Yes, that's correct as they have policies that specifies a cool down period even for LE. You are most likely need to wait 6 months before you can request for another LE or even a year depends.
Click to expand...
It applies on each cc you hold with them...otherwise they won't even consider the request...I have 3 ccs ..thts why I could apply for LE even after 2 months..they take 6 month cooling period on each cc
 
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I applied for LE 2 days back... initiated it over chat.. they said , I will receive call in 10 minutes.. I have got call but I could not hear anything... same happened for 3-4 times.. later in the day , I received an email... they informed it will take 5 days.. In the chat , they asked if I am salaried or self employed.. I said salaried.. and asked me salary deposit in axis ? I said yes.. and then they asked how much limit expecting, I said above 5L..
Existing limit : 1.2L , atlas card : 5 months old
Let's see how it goes
 
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jeevanreddy58 said:
I applied for LE 2 days back... initiated it over chat.. they said , I will receive call in 10 minutes.. I have got call but I could not hear anything... same happened for 3-4 times.. later in the day , I received an email... they informed it will take 5 days.. In the chat , they asked if I am salaried or self employed.. I said salaried.. and asked me salary deposit in axis ? I said yes.. and then they asked how much limit expecting, I said above 5L..
Existing limit : 1.2L , atlas card : 5 months old
Let's see how it goes
Click to expand...
It should work
 
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jeevanreddy58 said:
I applied for LE 2 days back... initiated it over chat.. they said , I will receive call in 10 minutes.. I have got call but I could not hear anything... same happened for 3-4 times.. later in the day , I received an email... they informed it will take 5 days.. In the chat , they asked if I am salaried or self employed.. I said salaried.. and asked me salary deposit in axis ? I said yes.. and then they asked how much limit expecting, I said above 5L..
Existing limit : 1.2L , atlas card : 5 months old
Let's see how it goes
Click to expand...
If the salary credit is 1l they will easily provide 5l limit pls confirm post u get the requested limit
 
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jeevanreddy58 said:
I applied for LE 2 days back... initiated it over chat.. they said , I will receive call in 10 minutes.. I have got call but I could not hear anything... same happened for 3-4 times.. later in the day , I received an email... they informed it will take 5 days.. In the chat , they asked if I am salaried or self employed.. I said salaried.. and asked me salary deposit in axis ? I said yes.. and then they asked how much limit expecting, I said above 5L..
Existing limit : 1.2L , atlas card : 5 months old
Let's see how it goes
Click to expand...
Got LE after 5 days..1.2L to 3.9L.. using pay slip... and salary anyhow depositing in axis account only.. so no bank statement was required. Just shared the account number
 
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