EFFECT ON CREDIT LIMIT FOR NON USAGE OF CREDIT CARD ( NOT MORE THAN 3-4 MONTHS/CYCLES) ??

[sun156]

HI Guys

Suppose if I dont use my CCs for like suppose 3-4 months in a row like for 3 billing cycles , does banks decrease our credit limit ???
or they will increase the credit Limit ??
or It completely changes for different banks ??

IF so please share your views or exp on banks like HDFC SBI KOTAK ICICI AXIS , WHAT THEY mostly do when we dont use CREDIT CARD for 3 months in a row


@Abhishek012 @SSV @Vasuki @VISHESH_BANSAL

 

[VasukiVasuki is verified member.]

HI Guys

Suppose if I dont use my CCs for like suppose 3-4 months in a row like for 3 billing cycles , does banks decrease our credit limit ???
or they will increase the credit Limit ??
or It completely changes for different banks ??

IF so please share your views or exp on banks like HDFC SBI KOTAK ICICI AXIS , WHAT THEY mostly do when we dont use CREDIT CARD for 3 months in a row


@Abhishek012 @SSV @Vasuki @VISHESH_BANSAL

3 month fine
6 month do some transaction & cancel product
Debit & credit

 

[sun156]

3 month fine
6 month do some transaction & cancel product
Debit & credit

TQ BRO TQ

 

[Cosmicgaze]

Some banks will offer limit enchancement to tempt you to use more, some will not do anything, some will decrease limit if you have never used most of the limit assigned.
Use the card as you need. Dont force your self to spend if you don’t wish to.