PNB Credit card no limit enhancement

[imdjay]

Close it and Apply after 6 month keeping FD with them won't give u much benefit u can remove the enquiry everytime whenever they declined ur Application

Already tried bro.
I used to have a secured card with them at first.
Their HO suggested closing the secured card to get an unsecured card.
When I closed and applied after a while, they started declining saying- I have a lot of cards from other banks.

So, as I already had that FD, I reapplied from the mobile app. It did't even hit Cibil. the card was approved and generated instantly.

I will keep the FD as I said. It's sort of under my investment plan.

 

[newinnov]

Y can u please explain??
& Bdw There's nothing much im expecting from this card bt if it's limit reached to 1L or above at least it'll be beneficial for online offers in sale & i already removed all my enquiry of PNB by raising dispute they put enquiry bt didn't increase the CL. So.

How you removed inquiries, from cibil dispute or mail to CS ?
I am asking as cibil in most cases forward you to bank only.

 

[ImKushal]

How you removed inquiries, from cibil dispute or mail to CS ?
I am asking as cibil in most cases forward you to bank only.

Raised dispute via CIBIL PNB will automatically Remove the enquiry no need to drop email to support

 

[pprakash11]

At least they gave you a card.
They kept declining my application saying over-leverage and I had to take card against FD. No issue as I always have some FD with them.

I'm in the same boat !!

 

[newinnov]

I'm in the same boat !!

How many cards / percentage of income will put you in overleaverage?

 

[pprakash11]

How many cards / percentage of income will put you in overleaverage?

> 40 accounts in CIBIL

 

[newinnov]

> 40 accounts in CIBIL

All 40 active?

 

[pprakash11]

36 Active & 10 Inactive

All 40 active?

 

[shsinha]

In General, PNBcard is stingy with credit limit. I have 1 dozen credit cards. All of them has credit limit between 3.5 Lakhs to 13.5 Lakhs, but pnbcard gave me 1.5 Lakh credit limit (lowest among all cards). I use it for upi payment and this limit is sufficient for me.

 

[cardy]

Should i close it? And Reapply after 6 month or something?

And after 6months or after a year you'll have a fresh start in pnb with a astounding credit limit of 50k 😀🤣

Don't close it buddy. They are stubborn.

 

[Boy 07]

Didn't get ur point of (don't tk LE from private banks)??
I don't think they'll Give much limit to Self Employed i hv to submit Payslip of 1L per month . I guess

I have applied yestreday with last three month salary slip annually only 372000 with six month bank Statement i think its going to declined soon

 

[ImKushal]

I have applied yestreday with last three month salary slip annually only 372000 with six month bank Statement i think its going to declined soon

Let's see update it here once you get any update

 

[newinnov]

I have applied yestreday with last three month salary slip annually only 372000 with six month bank Statement i think its going to declined soon

For LE or for CC application?
CC you will get in PSU, with right itr and statement an

 

[Cosmicgaze]

Didn't get ur point of (don't tk LE from private banks)??
I don't think they'll Give much limit to Self Employed i hv to submit Payslip of 1L per month . I guess

Private banks do give enhancements for self employed folks. But it’s more easier to get auto le than manually asking them. Sometimes they do sometimes they don’t.
I’ve so far got two enhancements without submitting income docs.
They see spends and payments and other factors before offering you.