Axis low limit. Should I cancel and apply again?

[telescope]

I have flipkart axis cc since ~3 years now. This card I got when I didn't have any savings account with axis. The limit is very low around 20k. My other cards limit are in lakhs.

I have used this card a lot and also always paid bills on time. Limit was never increased.

Recently opened axis savings account and in netbanking I can see pre-approved offers, but, it is showing that limit would be shared with existing cc.

What should I do now? If I cancel existing cc and apply again after some time, will I get better limit?

Also, pre-approved cards are not LTF, whereas same cards are being offered LTF on their website.

I want to get rid of flipkart axis because of high annual fee waiver criteria. I want a card with higher limit and also LTF.

Please suggest. Thanks

 

[RishiKiDev]

20k limit u have !
Unless u r rotating money ..
Close this cc .

Wait for few month .
As u said u already have pre approved offer. Sit on that offer to get better in 1-2 month .

Relax .more u will be desperate .less rewarding the bank is .
More u lose hope bank just comes back & give u their ass on plater .

Damn! I just spilled my coffee laughing on "ass on platter"

 

[aayusharyan]

But never mention the words Limit Increase..
Talk about limit sharing only

I will wait for Card Delivery. Once activated, then will start bothering Axis people.

 

[RishiKiDev]

I will wait for Card Delivery. Once activated, then will start bothering Axis people.

Do you have axis bank account?

 

[aayusharyan]

Do you have axis bank account?

No. This is my relation with Axis.

Update.
I got approved.
My situation:
- Have FK Axis LTF with a limit of just 60K :/
- Holding that card since 2021. Not used much. Just a few transactions here and there to avail discount.
- No other relationship with Axis Bank.
- Experian check was done, Experian score 819.
- Applied as a new customer. (Selected no on the first screen)

Timeline:
- Applied on 24th.
- vKYC done on 24th night itself.
- Eligibility check started on 25th.
- Approved today, on 4th.

No physical verification done. No other documents asked, just PAN and Aadhar Authentication.
Card is not yet showing in Axis Open app.

 

[RishiKiDev]

No. This is my relation with Axis.

Okay, got it.
Just ask them to match your limit on email.

 

[unusedbrain1]

Damn! I just spilled my coffee laughing on "ass on platter"

Happened to me 2 times
1 - with 2 yr old dormant hdfc account and -6k negative balance. ( Didn't used because they misbehaved when i was 19 ) .
Then after 2 yr . They processed all negative balance.and 2 month of using got pre approved cc ( first one ) even before turning 21.

2 - was using axis from 1 yr .so much transactions.
Still no offer after 21yr ..
Stopped using 0 balance for 2 month .
Went to close account . couldn't due to bank closed at 3 30 .

4 day later call came for non maintenance of account .
Told about cc thing
Just with one otp got 90k limit

Loose hope get reward

 

[RishiKiDev]

@unusedbrain1 Damn interesting stuff.
These Banks work in mysterious ways

 

[aayusharyan]

@unusedbrain1 Damn interesting stuff.
These Banks work in mysterious ways

I am telling you, when you make an application or service request. They check your horoscope, check alignment with stars, roll a dice and then decide based on that. /s

 

[RishiKiDev]

I am telling you, when you make an application or service request. They check your horoscope, check alignment with stars, roll a dice and then decide based on that. /s

Totally agree.
I had applied for AmEx last month, they asked ITR and all then rejected.
My friend applied the same day, he got approved without any income documents.

I don't know what the credit underwriter is smoking these days.

 

[unusedbrain1]

@unusedbrain1 Damn interesting stuff.
These Banks work in mysterious ways

Haha no
Life too .
In 9th class ( out of 9 girl in class)
I was thinking of being in relationship with the least beutiful one .
Somehow got proposed by most beautiful one whom everyone was trying in class .
Without any hard work

 

[aayusharyan]

Haha no
Life too .
In 9th class ( out of 9 girl in class)
I was thinking of being in relationship with the least beutiful one .
Somehow got proposed by most beautiful one whom everyone was trying in class .
Without any hard work

 

[RishiKiDev]

Haha no
Life too .
In 9th class ( out of 9 girl in class)
I was thinking of being in relationship with the least beutiful one .
Somehow got proposed by most beautiful one whom everyone was trying in class .
Without any hard work

Arey bhai bhai bhai! Luck is shining in your life whenever you're demotivated

This is every teenager's dream.

Anyways what happened later, are you still in relationship with her?

 

[aayusharyan]

are you still in relationship with her?

7 Crore ka sawaal.

 

[unusedbrain1]

Arey bhai bhai bhai! Luck is shining in your life whenever you're demotivated

This is every teenager's dream.

Anyways what happened later, are you still in relationship with her?

Moved to Another state chasing The school where dhoni has studied for high school (11-12th).
And met dhoni successfully .
Left her before 10th boards.on farewell and she didn't came to farewell (only regret)

And saw shewag . Doing lot of makeup before show

 

[telescope]

7 Crore ka sawaal.

Lol. Credit card se kaha chala gaya discussion

 

[aayusharyan]

Lol. Credit card se kaha chala gaya discussion

From finance, to fiancé. Complete discussion.

 

[telescope]

Completed vkyc today. Let's see what happens

Got a call from axis. With some weird questions:

“what's your educational qualification? "
"colour of your house"
"nearest landmark"
"how many storeys you have?"
"number of family members?"

After that said "thank you sir" and disconnected call.

No bank ever asked me such questions.

 

[Rohith-2009]

Got a call from axis. With some weird questions:

“what's your educational qualification? "
"colour of your house"
"nearest landmark"
"how many storeys you have?"
"number of family members?"

After that said "thank you sir" and disconnected call.

No bank ever asked me such questions.

Well icici agent has asked me do you have car or etc too. None of the other banks asked like that

 

[RishiKiDev]

Well icici agent has asked me do you have car or etc too. None of the other banks asked like that

Federal Bank guys asked me when was the photo in your PAN card taken

 

[telescope]

Well icici agent has asked me do you have car or etc too. None of the other banks asked like that

You mean you have been asked similar questions along with number of vehicles you own or only vehicles?