Varies person to person. But my max limit is 8 lakhs on a couple of cards. Apart from that have a charge card which practically doesn't have any preset limit but a dynamic spending power.
Fun part HDFC has given my sis a limit of 10 lakhs with far fewer cards, lower credit score and earning half of my salary. She holds a FYF Regalia Gold, Paytm, Tata neu infinity LTF. I hold a DCB LTF, Tata Neu Infinity LTF and HDFC Swiggy with a shared limit of 7.2 lakhs. (Such a gross injustice) PS: We both have our salary accounts in HDFC, she holds a classic while I have a preferred account. Yet I could never solve for this puzzle why her HDFC cc limit is higher than mine, I am a much heavier user too.
so here is the catch... the cards you mentioned both are sharing one common characteristic... guess anyone... prize for the winner..
Do having 31 credit card impact this?
Possible, guess the enquiries might be the reason. That's why cool off period is required.
They can check CIBIL if you request for a voluntary credit limit increase.
100 %,
My enquiries are in last 8 months (>50) 😛 added 31 new cards in last 8 months. Till 2022 had 5 cc. Current CIBIL stands rock solid at 794. Touch wood.
for the display purposes ..... nothing actually gets removed from CIBIL, they will be archived... but the things that go into the recipe for the score calculation, only 3 years enquiries go into the recipe...
Score calculation yes for new credit card they look for last 3 months enquiries they should be minimal 1-3 max. Which in my case is in double digits.
Name each of them with there limit & fees.... You have to 2 days to answer 😅
All are showing, shows 38 active accounts with a cumulative limit of >1 cr
Also the paid subscription has a simulator, it shows no impact with a new enquiry or a new CC, PL, Car loan addition. Only way it gives me new points is with a secured home loan.
