ICICI RuPay Credit Cards UPI linking now live

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Hello everyone ICICI Bank RuPay UPI Linking now live
ICICI Bank also giving pre approved Coral RuPay Card as LTF
Kindly check your iMobile app

 

[rahulsethi]

What is the maximum credit limit provided in credit card in India ?

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.

 

[rahulsethi]

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.

 

[SSV]

My patience is waning, I will go to x dot com again. This time for LTF Coral Rupay. Saddha haq .. aithe rakh.

My Tata Neu Infinity and Swiggy both came without a CIBIL hit, so he is right.

so here is the catch... the cards you mentioned both are sharing one common characteristic... guess anyone... prize for the winner..

Okay I will tell you. both are Co branded cards...
ANy core cards got from the beautiful HDFC portal please??

 

[AritraSaha]

He hit sixes on yorkers ball too

 

[DevD]

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.

Does bank know how many other bank cards do someone have and the limit on those cards.. I thnk only at the time of application they know it frm cibil but after thatt they only check repayment behaviour.

 

[AritraSaha]

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)

Do having 31 credit card impact this?

 

[rahulsethi]

Do having 31 credit card impact this?

Possible, guess the enquiries might be the reason. That's why cool off period is required.

 

[rahulsethi]

Does bank knows how many other bank cards do someone have and the limit on those cards.. I thnk only at the time of application they know it frm cibil but after thatt they only check repayment behaviour.

They can check CIBIL if you request for a voluntary credit limit increase.

 

[rahulsethi]

Do having 31 credit card impact this?

Correction 36 now

 

[SSV]

Possible, guess the enquiries might be the reason. That's why cool off period is required.

100 %,
consistent high enquiries for longer period means , high risk for the banks as the customer seems tobe Credit hungry all the time and his apetite for credit never goes down... BIG red flag...

 

[DevD]

Possible, guess the enquiries might be the reason. That's why cool off period is required.

Enquiries get removed after 3 years automatically from cibil.

 

[rahulsethi]

Enquiries get removed after 3 years automatically from cibil.

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.

 

[DevD]

Enquiries get removed after 3 years automatically from cibil.

I like this features of cibil.. I think everybody likes it.

 

[SSV]

Enquiries get removed after 3 years automatically from cibil.

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...

 

[rahulsethi]

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.

 

[DevD]

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.

All the credit card account showing in cibil ?? I think cibil will be down when the accounts start reflecting.

 

[AritraSaha]

Correction 36 now

Name each of them with there limit & fees.... You have to 2 days to answer

 

[rahulsethi]

I have a transunion subscription fun fact a hard enquiry or new card addition has no impact on my score anymore it has saturated. No reward or hit. But yes the total recent enquiries counter rises with one with each application that is an issue. (But enquiries have no fresh impact on my score anymore.)

 

[rahulsethi]

All the credit card account showing in cibil ?? I think cibil will be down when the accounts start reflecting.

All are showing, shows 38 active accounts with a cumulative limit of >1 cr

 

[rahulsethi]

I have a transunion subscription fun fact a hard enquiry or new card addition has no impact on my score anymore it has saturated. No reward or hit. But yes the total recent enquiries counter rises with one with each application that is an issue. (But enquiries have no fresh impact on my score anymore.)

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.