ICICI Bank Credit Card Limit Enhancement Issue

[jd123]

My ICICI Credit Card limit is only 1,00,000 since last two years

After my salary revision, I sent them documents but they denied and quoted the following

"Limit on your credit card is enhanced recently, Hence, we regret our inability to increase your credit limit at this point of time as the limit assigned to your card account is already the maximum possible, as per the bank's policy"

In reality, since beginning they never increase my limit.

Someone guide me for the options. They clearly written false statement in the mail.

 

[EnthuCC]

What about Indusind and IDFC?

I can say about IDFC with experience but it's not 100% certain.
Cross the 30% of credit limit slightly for 2 consecutive months with mix of offline and online spends.

I noticed this pattern in my credit limit and they increased it exactly by 20%.

 

[Hanuman Singh]

ICICI is the most liberal bank wrt Limit Enhancements in India..
To get LE in ICICI cards, you need to practice Start and Stop technique.
Which means start using moderately for 1 month and stop entirely for 2 to 3 months …
You will get your LE in 6 to 12 months without any docs .
As you have been using it for quite some time , now stop using it completely for next 3 months and start again for 1 month.
It had previously worked for some people including myself..

Report it back after 6 months..
All the best

Goes for every banks after 3 to 5 months complete non- usage, they'll keep knocking "Bhagwan ke naam pe personal loan lele re baba", keep mum, they'll increase limit famous idiom "Banks internal policy" ,,😏

 

[bhavik886151]

i tried start and stop technique for my ICICI coral and Apay
but still not get any LE
so it totally depends on bank that to whom they want to gave higher limit

 

[chandra.prakash]

ICICI is the most liberal bank wrt Limit Enhancements in India..
To get LE in ICICI cards, you need to practice Start and Stop technique.
Which means start using moderately for 1 month and stop entirely for 2 to 3 months …
You will get your LE in 6 to 12 months without any docs .
As you have been using it for quite some time , now stop using it completely for next 3 months and start again for 1 month.
It had previously worked for some people including myself..

Report it back after 6 months..
All the best

Yes you right
I have taken phone on icici no cost emi 2 times and got Limit increase 2 times jn 6 months duration

 

[SSV]

Yes you right
I have taken phone on icici no cost emi 2 times and got Limit increase 2 times jn 6 months duration

Congratulations 🎊 !!
Thanks for letting us know..

 

[hender]

Congratulations 🎊 !!
Thanks for letting us know..

Thanks to you also, for guidance.☝️

 

[rohansamal]

Correct . .

If we have a home loan or other loans with ICICI is it true they won't give LE?

 

[sidpsidp is verified member.]

@SSV
One suggestions please.
Is taking manual limit enhancement good or bad.

But I am seeing credit loan offer of 14.5 lacs (Jumbo + Insta) at very attractive rate.
This means I have good spends and payments papattern.t

The -ve aspect of manual le is you won't get anymore le for 6m & there will be hard enquiry. Nothing else.

Other preapproved loan amounts has nothing to do with cc cl. All banks I have cc relationship with are offering me preapproved home/car/personal/business loan of decent amount. But they get real stingy with cc LE.