The PayZapp team replied finally. They said "As checked internally, your HDFC credit card does not have a transferrable limit. Please apply for the Pixel card again after your current application expires". W T F, with 1.88L limit and 3 cards - Freedom LTF (core card), Swiggy LTF and Neu ∞ LTF, it's not transferrable? I don't understand this wording. Have asked again to clarify. They said "We want to remove the CIBIL enquiry" but no further info on when they will do it. Have asked for a timeline and to remove from CRIF as well. If certain customers are not eligible "due to no transferrable limit", can't these jerks do checks for this BEFORE they do credit bureau enquiry? The whole Pixel team is a bunch of very bad coders, poorly built credit card application process.