Do PNB accepts Credit Card Limit Enhancement based on other bank Credit Card statements ?

[pradeepG]

has anyone got Limit Enhancement on PNB Credit Card based on other bank Credit Card statement.
OR
Is anyone aware of it
OR
have a similar experience (successful or failed?)

 

[anirban.choudhuryanirban.choudhury is verified member.]

I took manual LE with salary slips and ITR

 

[pradeepG]

I took manual LE with salary slips and ITR

officially and formally they give it via ITR OR Salary Slip, anyone successful by sending other card Statement?

 

[pradeepG]

I took manual LE with salary slips and ITR

if you are comfortable plz share how much was the ITR & how much they increased the Limit, what was the final limit

 

[anirban.choudhuryanirban.choudhury is verified member.]

if you are comfortable plz share how much was the ITR & how much they increased the Limit, what was the final limit

Old limit on was 4 lakhs I guess and updated limit was what I selected from drop down in genie app 8 lakhs
ITR and salary slips were quite ok for that kind of limit as most of my cards have similar or more limit than that

 

[anirban.choudhuryanirban.choudhury is verified member.]

officially and formally they give it via ITR OR Salary Slip, anyone successful by sending other card Statement?

I don’t think they accept credit card statement for LE

 

[anirban.choudhuryanirban.choudhury is verified member.]

Also you can only apply LE after 6 months of card issuance

 

[pradeepG]

Also you can only apply LE after 6 months of card issuance

ha, that's not a concern, i have PNB card since 7+ years. Thanks for the help.

 

[mgforce]

Old limit on was 4 lakhs I guess and updated limit was what I selected from drop down in genie app 8 lakhs
ITR and salary slips were quite ok for that kind of limit as most of my cards have similar or more limit than that

Did they do any additional CIBIL enquiry?

 

[mgforce]

@pradeepdhawan - a suggestion, pls edit title and add a ? at end. It makes it easier - if question or experience

 

[anirban.choudhuryanirban.choudhury is verified member.]

Did they do any additional CIBIL enquiry?

Yea for manual LE , almost all bank does a Cibil hit

 

[mgforce]

Yea for manual LE , almost all bank does a Cibil hit

Yes - Private Banks do the same. With PSU, was not sure.

Also when I had applied for PNB Card last year, they did like 50L auto loan enquiry - don't want same experience again 🙁

 

[srikant]

Does PNB usually hit CIBIL for limit enhancement?

 

[vaibhav111vaibhav111 is verified member.]

Yes, and if possible, please check for any existing threads on this topic for a faster solution.

Does PNB usually hit CIBIL for limit enhancement?

 

[funatlearn]

How to apply LE via pnb ginie app

 

[Gabbar.Singh]

"Limit enhancement request is declined as limit is sufficient as per the usage of card"

PNB gave me the above reply. I am not convinced with their reply. What next can I do?

 

[Nishan11]

"Limit enhancement request is declined as limit is sufficient as per the usage of card"

PNB gave me the above reply. I am not convinced with their reply. What next can I do?

Whats the credit limit & your monthly usage on this card ?

 

[Gabbar.Singh]

Whats the credit limit & your monthly usage on this card ?

2L is the limit. This is the lowest limit that I have on any of my CC. Average monthly spend is 10k (mostly UPI). I take most of the expenses on DCB.

 

[Nishan11]

2L is the limit. This is the lowest limit that I have on any of my CC. Average monthly spend is 10k (mostly UPI). I take most of the expenses on DCB.

You can try writing to pno by submitting income documents & request for reconsideration of limit enhancement request. Tell you will be traveling abroad & wish to use this card as primary card for expenses.

pno@pnb.co.in

Other than this, nothing else can be done. Government banks are like this only.

I have 3 L on my rupay select which I got in MAY, monthly spend is between 25k-60k on this card. Will submit LE request after 6 month by submitting income docs.