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How to get credit card limit enhancement? Hidden information

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Who doesn't want to hold premium credit cards with a high credit limit? Sometimes banks ask you to have a certain credit limit on your existing credit card before upgrading your credit card to a higher variant card. For example, HDFC Bank asks you to have a minimum of Rs. 8 lakh limit on your existing credit card before upgrading it to the HDFC Infinia credit card.
There are lots of benefits to having a high credit limit on your credit cards.
- Your card qualifies for an upgrade to a higher variant card.
- You'll have high spending power.
- You can maintain low utilisation ratio.
- Increased chances of approval if you apply for another credit card using that card (card to card method) and many more.

But how does one get limit enhancement?
There are two options to get credit limit enhancement on your credit card.
1. Automatic Limit Enhancement
2. Manual Limit Enhancement

1. Automatic Limit Enhancement:
You don't have to do anything to get an automatic limit enhancement offer from the bank. Just use your credit card regularly and pay your credit card bill on time. That's it. The bank will review your credit card account from time to time (normally every 6 months) and offer you an automatic limit enhancement. You'll get a call/sms/email/app notification from the bank.

2. Manual Limit Enhancement:
There are a few methods you can use to request credit limit enhancement from your bank.

a. Call & Ask:
Remember one thing... If you don't ask for something, you'll not get it. So, call your bank and ask for a limit enhancement. Sometimes customer care officers do provide limit enhancement. You can also email your bank and ask for a limit enhancement.

b. Submit income documents:
you can email your income documents (i.e., salary slip, ITR) to your bank and ask for limit enhancement. The bank will review your income documents and may offer a limit enhancement.

c. Maintaining High NRV:
If you are maintaining a high NRV with your card issuer bank, then ask for an extra limit. Some banks do offer limit enhancement if you maintain a high relationship value with your bank. You can email and request a limit enhancement on the basis of your NRV.

d. Limit Enhancement On The Basis Of Other Bank Credit Cards' Limit:
Yes, a few banks offer credit card limit enhancement on the basis of your other bank credit cards' limit. It's just like a hotel loyalty programme status match.
For example, if you have a 12L limit on your HDFC Bank credit card, you can email your card statement to ICICI Bank and ask for a limit match. Sometimes the bank matches your limit; sometimes they ask for additional proof like an ITR or salary slip. This is not an official way of asking for limit enhancement, but yes, a few banks do offer limit enhancement this way. So you can try your luck.

I have used this method multiple times to match one bank's credit card limit to another bank's card.
Here I'm attaching some screenshots-

My ICICI Bank Credit Card limit -
icici bank limit.jpeg

My BOB Card Limit-
BOB card limit.jpeg

My IndusInd Bank Card Limit-
Induisnd Bank card limit.jpeg

Credit card limit enhancement depends on many factors, so nothing is guaranteed.
Try your luck.
 
Can i apply for limit enhancement for my kotak league card(10k limit) by using my apay statement of 1.20 lakhs?
The card is 4 months old, i will surely try this after 2 months.
Limit on hdfc millennia-1.50 lakhs (11 months old card)
Limit on axis flipkart-2.62 lakhs ( 7 months old card)
Should i try for LE on hdfc card bty using axis flipkart statement?
Also, how many month's statement is required?

Hey @Lakshya Mahani Did You Try C2C LE?
 
Currently I have DCB LTF 5.6L, Magnus 5.1L and City Rewards with 6.2L limit
I have applied for AU zenith LTF on C2C basis and as per the sales person I will get a limit of 8L on zenith.

Now my question if I get 8L limit as informed by the sales person on my AU zenith, can I use this limit to get LE on my Magnus?
If I get LE on magnus to 8L then I think I can also get the DCB limit enhancement to 8L using the magnus statement. Finally upgrade DCB LTF to Infinia FYF.

Is this possible? What are the chances?
 
Currently I have DCB LTF 5.6L, Magnus 5.1L and City Rewards with 6.2L limit
I have applied for AU zenith LTF on C2C basis and as per the sales person I will get a limit of 8L on zenith.

Now my question if I get 8L limit as informed by the sales person on my AU zenith, can I use this limit to get LE on my Magnus?
If I get LE on magnus to 8L then I think I can also get the DCB limit enhancement to 8L using the magnus statement. Finally upgrade DCB LTF to Infinia FYF.

Is this possible? What are the chances?

Not possible
 
Today I sent a mail to bob for limit match my apay card not very hopeful as to the cards are recently issued a few months back though its been a few years of using bob cards
Any one have a idea as to weather apay can be used for hdfc sbi and axis cards limit enhancements?
 
Help Needed!
I applied for BOB select credit card in January 2023. It was approved without income documents ( no income document was asked). And Hence the limit which I got with it was only 25,000. At that time I had Amazon pay, Sbi Cashback with 1lakh limit. At present I have HDFC card with 1.48 lakh limit.
As per BOB trend, it offers limit enhancement after 1 year but only around 30% of current limit.
So, my question is that can BOB increase limit with HDFC card statement or ITR?
And if not, should I close my current BOB select Card, and reapply for another card on C2C method?
 
Help Needed!
I applied for BOB select credit card in January 2023. It was approved without income documents ( no income document was asked). And Hence the limit which I got with it was only 25,000. At that time I had Amazon pay, Sbi Cashback with 1lakh limit. At present I have HDFC card with 1.48 lakh limit.
As per BOB trend, it offers limit enhancement after 1 year but only around 30% of current limit.
So, my question is that can BOB increase limit with HDFC card statement or ITR?
And if not, should I close my current BOB select Card, and reapply for another card on C2C method?
Increase limit through ITR.

Don't close else you will lose LTF card
Now they aren't offering LTF premier
 
Help Needed!
I applied for BOB select credit card in January 2023. It was approved without income documents ( no income document was asked). And Hence the limit which I got with it was only 25,000. At that time I had Amazon pay, Sbi Cashback with 1lakh limit. At present I have HDFC card with 1.48 lakh limit.
As per BOB trend, it offers limit enhancement after 1 year but only around 30% of current limit.
So, my question is that can BOB increase limit with HDFC card statement or ITR?
And if not, should I close my current BOB select Card, and reapply for another card on C2C method?
I noticed you started a thread here:


It seems like you're posting quite frequently. Please be patient, and someone will respond to your question soon. 😄
 
I noticed you started a thread here:


It seems like you're posting quite frequently. Please be patient, and someone will respond to your question soon. 😄
Any post of mine doesn't get any engagement. That's why I thought to post it to 2-3 places, so that I get proper guidance in this.
 
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