So looks like I will have to file an RBI ombudsman case soon against them because I had 2.2L limit on SimplyCLICK visa (old card), later split to 1L on SimplyCLICK as I assigned 1.2L to SimplySAVE issued on RuPay in 2024. Used both cards for a few months. Today decided to close SimplySAVE and try again to apply for SBI Cashback since they don't give 3 core cards, often they give 2 core and 1 cobranded like Ola or Paytm or such.
First customer care person I talked to said limit transfer was not possible at all and hung up. 2nd person I talked to I got to transfer 1L limit from the SimplySAVE back to SimplyCLICK so now it has 2L limit and only 20K on the SimplySAVE. They refused to reduce SimplySAVE any further. So I called up 3rd time and asked to close SimplySAVE. That lady said YES SIR, all of the limit would be transferred over to SimplyCLICK. Then she proceeded to close the card. I have the conversation recorded btw. Now they've deactivated the SimplySAVE card. Now is that 20K gone or can I get them to transfer it as well to SimplyCLICK? If they don't, I will approach RBI ombudsman and tell them how I had to call 3 times just to get limit transfer done and 3rd time the lady claimed the limit would be transferred if I closed the card.
Anyway I knew SBI cards is the shittiest credit card company on the planet so I made sure the bulk of the limit was transferred anyway. It's not even been 3 days so I guess I can get the card re-activated and try to transfer all of the limit before closing the card.