Indusind legend cc limit mismatch

[Fini7777]

Hi, I closed my Legend credit card 3 months ago, which had a limit of ₹88K. I had repeatedly tried to send emails for a LE with all the required documents, but due to technical issues on their end, they couldn’t receive my emails. Frustrated with their service, I decided to close the card.

Recently, I received an email inviting me to apply for a credit card, so I thought I’d try my luck. This time, the limit shown during the application was ₹1.03L, which made me happy because I hoped to eventually upgrade to the Pinnacle Card since the limit was above ₹1L.

The card got approved and delivered, but to my shock, the limit assigned was just ₹50K. This is disappointing because none of the cards in my portfolio have a limit below ₹2L, and I have maintained a good TRV with IndusInd Bank. I also give them significant business, so I expected better treatment but in return I got this wonderful gift.

With such a low limit, I am stuck because I won’t qualify for upgrades. On top of that, their email support is terrible.

How should I proceed further? Any suggestions?
I applied for this card solely based on the limit shown during the application process. I am actually in the process of shifting my funds to another bank.

 

[akshayhs]

The limit shown on the email is the maximum limit that you can get. It's not necessary that you get 1.03L on your card just because you saw that limit in the email. Credit limit issued will be done by the credit underwriting team who does not care what is the limit that you had seen on the email.

My advise is to close the card and move on with life. There is nothing worth in applying and keeping the Legend card

 

[Fini7777]

The limit shown on the email is the maximum limit that you can get. It's not necessary that you get 1.03L on your card just because you saw that limit in the email. Credit limit issued will be done by the credit underwriting team who does not care what is the limit that you had seen on the email.

My advise is to close the card and move on with life. There is nothing worth in applying and keeping the Legend card

I understand that the limit is assigned based on internal checks, but tbh, I did not need the Legend Credit Card. I applied for this card solely because the limit displayed during the application process was ₹1.03L. I intended to upgrade this card to the Pinnacle Credit Card later.

In my experience, banks typically show a range of limits (minimum to maximum), unlike IndusInd Bank, which displayed an exact estimated limit. If a bank displays such a specific limit, they are expected to honor it—just like HDFC Bank does.

This misleading practice seems to be common with IndusInd Bank and Bank of Baroda, and it is quite disappointing.

I have already sent an email regarding this issue, and if the limit is not matched to what was displayed during the application process, I will close this card without a second thought. I simply do not care to keep it under these circumstances.