Enhancement of limits for SBI

[Tylerdurden]

Dear All,

I am currently holding an HDFC card with 4.22 lakhs limit whereas SBI card with only 98k limit. Will SBI provide an increase in limits if I state the higher limit in the other card.

 

[phoenix1386]

bhai card konsa tha apka sbi ka, aur usse pehle kitne card the apke pas ?

SimplyCLICK. Prior to that, I had three.

 

[phoenix1386]

Yes, sir. Only 2 things are infinite :

1- PKMKB
2- The Universe

I liked your name better. 😆

 

[ENIAC]

I am having 3 L plus salary & 45 L ITR, they are not increasing limit.

I have SimplyClick with 4 L & Vistara with 3 L limit.

Sent documents to their gurgaon office, uploaded in website, wrote email to nodal.

Now I have given up on them. My total cards credit limit is below 75 L. Not even twice of my ITR. And I am being state government officer having salary in SBI bank, although their card business is different entity, they can easily get all information.

I

State Govt employee with 3L plus salary , if I may ask are you in Administrative services ?

 

[IKFLRT]

bhai sbi cb kis case me infinia se jyada cashback deta hai ?

har jagah jaha Amazon pay nahi chalta. 🙂

 

[Nishan11]

State Govt employee with 3L plus salary , if I may ask are you in Administrative services ?

Yes at Chhattisgarh secretariat

 

[IKFLRT]

I think ek loophole h, amazon/flipkart per order place karo or turant SBI card per jakr apni limit restore kardo fatafat. Fir wo order cancel kardo and refund as an excess credit aa jayega card m. SBI refunds ko toh decline nahi kar sakta beshak wo excess credit kyu na karde. Uske baad limit ke uper ka order place karlo

 

[Anupama_Jha]

First of all, the trxn will decline for sure. But in rare condition, if trxn get successful

What about over limit charges ? SBI system aren't optimised.

 

[rohant]

Even I have to purchase an iPad with student discount. SBI CB gives 5% on the Apple website, but my CC limit is just 27K. Earlier, I used to add excess credit to my card and could easily transact for large amounts. Now they don't allow you to add even 1 rupee more to the card than the CC limit.

My limit was reduced last year from 2.5L to 27K. They are not ready to increase the limit based on salary clips or ITR as well.

apahiz karke chord diya h SBI walo ne!!

Why did they reduce your limit?

 

[IKFLRT]

First of all, the trxn will decline for sure. But in rare condition, if trxn get successful

What about over limit charges ? SBI system aren't optimised.

I've used this method several times. No overlimit charges were imposed. And none of my transactions were declined. As long as my card has a balance equal to the order value, the transaction was successful, and I received 5% CB.

 

[rohant]

I am having 3 L plus salary & 45 L ITR, they are not increasing limit.

I have SimplyClick with 4 L & Vistara with 3 L limit.

Sent documents to their gurgaon office, uploaded in website, wrote email to nodal.

Now I have given up on them. My total cards credit limit is below 75 L. Not even twice of my ITR. And I am being state government officer having salary in SBI bank, although their card business is different entity, they can easily get all information.

I

state govt me itni salary konse department me milegi bhai...

 

[IKFLRT]

Why did they reduce your limit?

Not just me, but many other cardholders' limits were drastically reduced last year. I'm not sure why they did it.

 

[Anupama_Jha]

I've used this method several times. No overlimit charges were imposed. And none of my transactions were declined. As long as my card has a balance equal to the order value, the transaction was successful, and I received 5% CB.

Used when, any near time

 

[IKFLRT]

Used when, any near time

In March. I transacted for an order value of 89K while my CC limit was 27K. I have also used this method back in the days when my Axis Flipkart limit was only 50K and I bought a laptop in BBD for 95K.

 

[Nishan11]

state govt me itni salary konse department me milegi bhai...

Selected through All india service & chose home Cadre chhattisgarh. So posted in chhattisgarh secretariat.

Let me reconstruct my wording, working under chhattisgarh state government but comes under central government pay grade matrix.

 

[Anupama_Jha]

Selected through All india service & chose home Cadre chhattisgarh. So posted in chhattisgarh secretariat.

Let me reconstruct my wording, working under chhattisgarh state government but comes under central government pay grade matrix.

Woah 😳 We have seen IAS officers in technofino before GTA VI

 

[rohant]

In March. I transacted for an order value of 89K while my CC limit was 27K. I have also used this method back in the days when my Axis Flipkart limit was only 50K and I bought a laptop in BBD for 95K.

axis did not charge overlimit?

 

[IKFLRT]

axis did not charge overlimit?

No. Never have been charged on SBI/Axis.

 

[phoenix1386]

Woah 😳 We have seen IAS officers in technofino before GTA VI

Government is everywhere.

 

[bigbyte]

My Wife's CB card held since launch has a limit of 25k only. Yesterday i have requested them a LE by uploading latest ITR.
But after reading this thread, I expect a rejection message anytime soon.

 

[cowcoconut]

I am not sure. I never abused the card or skipped payments. I'm guessing it happened since I transferred the limit from my Simplyclick to Cashback card. They are hell bent on not increasing my CC limit.

My Simplyclick card is LTF, and the Cashback card is free for another two years. Will finally close the CB card once it is devalued to cents.

So you transferred from simplyclick to cashback. And later they removed a lot of limit from cashback??
So now you have low limit on both cards?