Hard enquiry for Limit Enhancement

[AsB]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Axis Bank Ltd.
Credit Card
10,000

Is it normal ?

 

[rp0703]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Is it normal ?

Don't know about Axis, but I asked ICICI for LE, and they made an enquiry.

 

[Digvijay]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Is it normal ?

Yes Axis normally makes enquiry of 10000 for limit increase, ICICI usually makes less than 10000.

 

[CMGCMG is verified member.]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Is it normal ?

Yes. Did you submit any docs?

 

[Wealth is my birth right!]

Simple logic:
When we request LE they do cibil and take their own time also to what extent they increase its unknown
When they offer its instantly known amount and immediately added to our card

 

[AsB]

Yes. Did you submit any docs?

Yes. Payslip, bank statement

 

[Sandeepmangate]

It did when I requested LE. Later they increased limit and removed enquiry in 2 days when I complained

 

[AsB]

It did when I requested LE. Later they increased limit and removed enquiry in 2 days when I complained

Thanks. But, how are you getting SMS notification. I get Email notification for those.

 

[Wealth is my birth right!]

Thanks. But, how are you getting SMS notification. I get Email notification for those.

Do you've card only relationship with Axis or having SB acc too?

 

[AsB]

Do you've card only relationship with Axis or having SB acc too?

SB too

 

[Wealth is my birth right!]

SB too

Then u should get both sms and mail, raise an SR with cc for the same.
in my experience some of the alerts for card alone accounts get only in mail not sms

 

[Dr. Drake]

SBI was requested. I applied for LE last week and received a hard inquiry on my cibil from SBI yesterday. They did not gave the le yet as they need additional documents. I had shared my SC bank statement though

 

[AsB]

Limit enhancement was given by Axis after all.
Earlier, it was Rs 25,000/-
New Limit is Rs 69,000/-

I think PNO is better than the regular customer care. One of my friends, who was in Axis Bank , a few years back, said that even the Customer Care can raise a request to increase limit (although the final decision is not theirs), but it is actually not needed to send the mail to PNO. But, Customer Care works in mysterious ways.

 

[AsB]

P.S - There were two hard enquiries on CIBIL ,even though I had requested for Limit Enhancement once. Not sure, why they needed to follow my CIBIL report twice.
Should I report to remove those enquiries?

 

[Sandeepmangate]

P.S - There were two hard enquiries on CIBIL ,even though I had requested for Limit Enhancement once. Not sure, why they needed to follow my CIBIL report twice.
Should I report to remove those enquiries?

Just ask them on Twitter that axis have made credit enquiries without any new credit card application and ask them to remove it. They asks 1st page and enquiry section page screenshot. In my case they not only removed enquiry but also increased limit more than I requested

 

[er.jaisingh]

Yes i also applied for LE they did the hard enquiry plus a verification of office address, for flipkart axis

 

[Lakshya Mahani]

Does kotak makes any enquiry if i call them to increase my card limit?

 

[Krutik1995]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Is it normal ?

Bro after inquiry done how much time they take to increase your limit ?????

 

[Krutik1995]

I had requested for Limit increase for Axis Bank MyZone Card, around a month ago, before the Festive Sale. But, only today, i.e 2 Nov 2022, there was a hard enquiry on CIBIL.

Is it normal ?

My CIBIL inquiry was also done yesterday for limit enhancement

 

[AsB]

Bro after inquiry done how much time they take to increase your limit ?????

5-6 days. 15 days max