how much time should i wait to apply ultimate after closing current cards?

[Altamash06]

Hi i am using stan c card applied in march 2021 and approved platinum rewards with 249900 after 1 year they Enhance my limit to 3.33 lac and upgrade my card to manhattan i also applied to smart card and received the card in march and now it's been more then 6 months no LE has offered and i want Ultimate card i had shared my ITR for LE and six months Axis bank statement for income proof but no reply from there. should i close my both stan c cards and reapply for ultimate on c2c basis with my DCB 5.37 lac limit or AP ICICI 5 lac limit or wait for LE. how much time should i wait to apply ultimate after closing current cards. @TechnoFino please suggest.

 

[zaid_2913]

No ! SCB will report as existing account in cibil even though you having two cards. Limit is shared like other banks

In my brother’s CIBIL 2 separate accounts created ultima and digi smart. That’s why I didn’t apply for additional card.

 

[zaid_2913]

In my brother’s CIBIL 2 separate accounts created ultima and digi smart. That’s why I didn’t apply for additional card.

If your 2 cards reported as 1 account in Cibil please check and confirm. I want to apply ultima. I have the required limit on other SCB card.

 

[Indian]

If your 2 cards reported as 1 account in Cibil please check and confirm. I want to apply ultima. I have the required limit on other SCB card.

Don’t come conclusion on my opinion! SCB is weird , but most of my friends cibil showing one account , you please confirm with our members who having two cards in SCB for further clarification.

 

[DevD]

Don’t come conclusion on my opinion! SCB is weird , but most of my friends cibil showing one account , you please confirm with our members who having two cards in SCB for further clarification.

If your 2 cards reported as 1 account in Cibil please check and confirm. I want to apply ultima. I have the required limit on other SCB card.

I have two cards of SCB. I applied for manhattan card, got approved , received the card, then calling CC to issue one more card sc titanium card. Both card have shared limit and in CIBIL only one account is showing. This is because There was only one application from me i.e. for manhattan. But if I apply separately for a fresh card on c2c basis there will be a hard enquiry in cibil but don't know if approved then separate account will be reflected in cibil or not.

 

[DevD]

@Tosh @akshayhs @rp0703 @Collector_sahab @souvikr @pprakash11 Whats your thought in this topic ?

 

[Tosh]

Not much to share on this as I do not have any card from SCB or multiple cards from a single bank.

Although I think if there are two unique cards then there will eventually be two accounts reported in CIBIL unless SCB has some wierd criteria, maybe cibil is not updated yet?

 

[akshayhs]

No idea from my side as I don't have any cards from foreign banks yet...

 

[zaid_2913]

Don’t come conclusion on my opinion! SCB is weird , but most of my friends cibil showing one account , you please confirm with our members who having two cards in SCB for further clarification.

I did checked today morning, He has 2 accounts. He applied both the cards with complete documentaion in 4 years gap. Maybe if we apply other card on the basis of existing card single account will be reflected. Not Sure.

 

[Dr. Drake]

In my brother’s CIBIL 2 separate accounts created ultima and digi smart. That’s why I didn’t apply for additional card.

I have 4 SCB cards including ultimate only 1 acc is reported till date(using SCB cards since 7 yrs)

 

[zaid_2913]

I have 4 SCB cards including ultimate only 1 acc is reported till date(using SCB cards since 7 yrs)

Great. Thank you for the info.

 

[Indian]

@Dr. Drake can you tell how they report to cibil for Dial a loan above credit limit on SCB.

 

[Dr. Drake]

@Dr. Drake can you tell how they report to cibil for Dial a loan above credit limit on SCB.

Sorry no idea never took dial up loan from scb

 

[Indian]

Sorry no idea never took dial up loan from scb

May be I’m the scapegoat! Will update here how they report in cibil.

 

[Wealth is my birth right!]

May be I’m the scapegoat! Will update here how they report in cibil.

Yes but in my app login it shows 8lac card loan for a card which I have limit of 2.5 lac it’s funny
March year end targets I think

 

[Altamash06]

can i apply ultimate via my diners c2c basis with limit of 5.37 alreday having Manhattan and smart with combined limit of 3.33 lac

 

[DevD]

I have 4 SCB cards including ultimate only 1 acc is reported till date(using SCB cards since 7 yrs)

Did you apply for cards separately with separate kyc documentation or you applied based on your existing scb card relationship. ?

 

[Dr. Drake]

Did you apply for cards separately with separate kyc documentation or you applied based on your existing scb card relationship. ?

started with platinum, after 1.5Yrs received 1st LE I think took 2more cards & then after another 1.5Yrs received LE took ultimate. No new inquiries all was done on single phone call

 

[mashreq]

How does one apply c2c for SC Ultimate? Is it done through their Online Portal or through an Agent Offline?

 

[DevD]

can i apply ultimate via my diners c2c basis with limit of 5.37 alreday having Manhattan and smart with combined limit of 3.33 lac

If you want ultimate then you can apply c2c with minimum 5 lakhs limit in other card. SC is very very sluggish in LE.. your current limit on sc will not increase anytime soon. so better go for c2c with other bank card.

 

[Wealth is my birth right!]

If you want ultimate then you can apply c2c with minimum 5 lakhs limit in other card. SC is very very sluggish in LE.. your current limit on sc will not increase anytime soon. so better go for c2c with other bank card.

Couple of questions if an old card which recently got 5 lac limit will it be ok to apply for ultimate?
Moreover I already hold an scb card is it possible to apply c2c bcos their online portal asking to validate the old card for verification