Business Moneyback credit card limit enhancement and upgrade

[Vasuki]

Aur mera 22K ka increase? 🥲 Take or leave?

Saala mere ko itna chota diya 😭 ab I'm thinking to accept this and reapply for another increase around June, when I'm done with ITR filing etc and all, worth the shot?

If u have High balance to maintain u can leave ..else accept it hdfc is too wierd

 

[Abdullāh Khān]

Depending upon your planned spends in the next quarter/ 2 quarters..
If you are planning decent spends leave it.
If you are not going to spend much .. take it..

Will taking this impact me negatively, for example do they have some time frame for giving LE? Like 6 months for an increase.
I do have a plan later on around August for a trip abroad so I'm expecting to atleast 2x my limit by then.

 

[Abdullāh Khān]

If u have High balance to maintain u can leave ..else accept it hdfc is too wierd

I'm maintaining a good chunk of money rn in my Current Account, par LE to aese de rhe hayn jaise bheekh 🤬

 

[Vasuki]

Will taking this impact me negatively, for example do they have some time frame for giving LE? Like 6 months for an increase.
I do have a plan later on around August for a trip abroad so I'm expecting to atleast 2x my limit by then.

I'm maintaining a good chunk of money rn in my Current Account, par LE to aese de rhe hayn jaise bheekh 🤬

Focus on another bank 😁 cc ..
What else cards u have

 

[SSV]

Will taking this impact me negatively, for example do they have some time frame for giving LE? Like 6 months for an increase.
I do have a plan later on around August for a trip abroad so I'm expecting to atleast 2x my limit by then.

Yes , they will offer LE periodically., like 6 months/ a year:. In batches..

If you are planning big spends then don’t take it now.. leave it..

My final view: Just ignore this LE offer

 

[Abdullāh Khān]

Focus on another bank 😁 cc ..
What else cards u have

Abhi to ek tire par chal raha hoon, Milennia hi hay. Axis is devaluing their cards like crazy so that made me sceptical, ICICI has trash cards mostly, baaki kuch samajh nahi aaraha 😭

 

[Vasuki]

Abhi to ek tire par chal raha hoon, Milennia hi hay. Axis is devaluing their cards like crazy so that made me sceptical, ICICI has trash cards mostly, baaki kuch samajh nahi aaraha 😭

Apply kotak Myntra rupay card. If u have 811 account no kyc needed
Axis even after so much devalue is better than hdfc 😅
Icici if u get good with limits & offers
apay & platinum .

 

[Abdullāh Khān]

Yes , they will offer LE periodically., like 6 months/ a year:. In a batches..

If you are planning big spends then don’t take it now.. leave it..

My final view: Just ignore this LE offer

Itna ro dho kar ek offer mila, wo bhi chillar

 

[Abdullāh Khān]

Apply kotak Myntra rupay card. If u have 811 account no kyc needed
Axis even after so much devalue is better than hdfc 😅
Icici if u get good with limits & offers
apay & platinum .

I do have a 811 account, 500 rupay parhe hayn usme, CC maang liya to kahin ghar na aajaye haddi pasli todne 😂

 

[SSV]

Itna ro dho kar ek offer mila, wo bhi chillar

That’s life.. believe me leave it .. you will get better..
When did you open the cc and did you get any le before and approximate spends and income range

 

[Vasuki]

I do have a 811 account, 500 rupay parhe hayn usme, CC maang liya to kahin ghar na aajaye haddi pasli todne 😂

If u have serviceable area pincode ..u will get ..
My account has 0 balance since opening .

 

[Abdullāh Khān]

Apply kotak Myntra rupay card. If u have 811 account no kyc needed
Axis even after so much devalue is better than hdfc 😅
Icici if u get good with limits & offers
apay & platinum .

Although I was interested in Kotak card, looks good for me.
And Axis, I wanted Ace but Gpay asks me to apply via bank, which I'm sure they will reject.

Should I apply Apay, my credit history is from July'23 but cibil is like 780sh

 

[Rahul Gupta]

I'm maintaining a good chunk of money rn in my Current Account, par LE to aese de rhe hayn jaise bheekh 🤬

Bro 11k se jada toh mujhe savings account par quaterly interest mil jata h high balance rakh ke bhi itni ghatiya limit. They gave me an upgrade option to imperia in december(its still there but i am not taking it), multiple pre-approved loan offers but still 11k cc Le.🙄

 

[NShah]

Although I was interested in Kotak card, looks good for me.
And Axis, I wanted Ace but Gpay asks me to apply via bank, which I'm sure they will reject.

Should I apply Apay, my credit history is from July'23 but cibil is like 780sh

Any other bank cc 1 year old required for Amazonpay or 1 year old active credit history required

 

[Abdullāh Khān]

That’s life.. believe me leave it .. you will get better..
When did you open the cc and did you get any le before and approximate spends and income range

I had Biz MB (I had a thread on I recently) which I was after negotiating with griv redrsl able to convert to a Milennia in December (not sure if it would be counted as a single card or separate, as I have the older and same limit practically)

No, this is my first LE

Spends aur income range I might be comfortable in DMing 🥲

 

[Abdullāh Khān]

Any other bank cc 1 year old required for Amazonpay or 1 year old active credit history required

Ahh okay so it's definitely a rejection I suppose? Good to know.

 

[Vasuki]

Although I was interested in Kotak card, looks good for me.
And Axis, I wanted Ace but Gpay asks me to apply via bank, which I'm sure they will reject.

Should I apply Apay, my credit history is from July'23 but cibil is like 780sh

U should take the L.e ..
Even though its small it will help you in getting other card as u don't have other cards

Take l.e
Try for sbi card . Give details as salaried ( if u have business give Employment of own business - nothing is fake so it's good )

Icici - never entertain Cc for Self employed online .
So best is c2c apply after 1 lakh limit offline .

 

[Abdullāh Khān]

Bro 11k se jada toh mujhe savings account par quaterly interest mil jata h high balance rakh ke bhi itni ghatiya limit. They gave me an upgrade option to imperia in december(its still there but i am not taking it), multiple pre-approved loan offers but still 11k cc Le.🙄

I thought I'm getting scammed par tumhe to bakra bana rahay hay seedha bhai 🥲 and yeah true, 11K is like peanuts for someone who's keeping Imperia level of balance, mai to phir bhi classic hoon 😭😂

 

[SSV]

I had Biz MB (I had a thread on I recently) which I was after negotiating with griv redrsl able to convert to a Milennia in December (not sure if it would be counted as a single card or separate, as I have the older and same limit practically)

No, this is my first LE

Spends aur income range I might be comfortable in DMing 🥲

Okay, skip this LE, you will get better one in the next batch..
Good luck

 

[Vasuki]

Any other bank cc 1 year old required for Amazonpay or 1 year old active credit history required

If I know this I wouldn't have applied for apay in dec ..
Nevertheless i came to knew few weeks back 🔙