Me and my brother holding cards since more than 10 years, he has some 25k starting limit without any salary slip and mine with one of largest MNC, then we both getting LE frequently - we never left any LE offer, somehow my bro get huge increase and is now at 7.2 and i am at 4.7 but last one or two years, we didnt got any increase in limit - so not able to understand how their algo works.