• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Sbi is best in Limit Enhancement 😍

  • Thread starter Thread starter alok416
  • Start date Start date
  • Replies Replies 39
  • Views Views 3K

alok416

TF Ace
We know that different bank offers Credit limit enhancement on their specific period / criteria...

But my personal experience is SBI is best among all...

Sharing all banks experiences -

1. Icici card (1.5 years old ) - NO LE till now

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

3. HDFC ( Used 7 months) NO LE and Credit card upgrade offered and accepted on Card to card basis...Still they didn't agreed.. So closed all of them...

4. One card - (9 months ) No LE

5. AU - ( 4 months while being used)

6. Axis ( 6 months old) no LE

7. RBL ( 15 days old )
 
We know that different bank offers Credit limit enhancement on their specific period / criteria...

But my personal experience is SBI is best among all...

Sharing all banks experiences -

1. Icici card (1.5 years old ) - NO LE till now

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

3. HDFC ( Used 7 months) NO LE and Credit card upgrade offered and accepted on Card to card basis...Still they didn't agreed.. So closed all of them...

4. One card - (9 months ) No LE

5. AU - ( 4 months while being used)

6. Axis ( 6 months old) no LE

7. RBL ( 15 days old )
I also took SBI Simplyclick around Nov last year. Got first LE in April this year. After reading your post checked on app, I had offer to increase it, just double of last LE.

Now it's 5.50 L

Got SBI vistara card couple of days back with 6.25 L.

SBI is in good mood 😂.
 
Simply save...

I hold it for 10% wala discount sepcially...

Utilisation ratio - under 10%
SBI gives LE frequently if your utilisation is low. If you start doing heavy transaction every month then they won't give you LE.

I didn't get LE after getting Cashback card due to high utilisation every month.
 
Oh nice 🥳🥳 mujhe bhi Aaj hi offer mila
I also took SBI Simplyclick around Nov last year. Got first LE in April this year. After reading your post checked on app, I had offer to increase it, just double of last LE.

Now it's 5.50 L

Got SBI vistara card couple of days back with 6.25 L.

SBI is in good mood 😂.
 
Ajeeb log hai 🤣

Icici me jyda krne bolte h...

Hdfc me jyda kro to bhi nhi dete...
SBI gives LE frequently if your utilisation is low. If you start doing heavy transaction every month then they won't give you LE.

I didn't get LE after getting Cashback card due to high utilisation every month.
 
Their Twitter team are not humans...They are Devta literally if u want any new card...

But for limit increase no one can help 😒
My ICICI Amazon pay had limit of 2.25 L. Recently increased it by sending salary slip & bank statement with salary credit. There twitter team is exceptionally good.

Current new limit is 6.10 L.
 
We know that different bank offers Credit limit enhancement on their specific period / criteria...

But my personal experience is SBI is best among all...

Sharing all banks experiences -

1. Icici card (1.5 years old ) - NO LE till now

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

3. HDFC ( Used 7 months) NO LE and Credit card upgrade offered and accepted on Card to card basis...Still they didn't agreed.. So closed all of them...

4. One card - (9 months ) No LE

5. AU - ( 4 months while being used)

6. Axis ( 6 months old) no LE

7. RBL ( 15 days old )
Kotak and ICICI is best in LE.
 
American express hands down wins. You have to experience it to believe. All you need to do is call them and ask for an LE and they provide on the spot. No docs. Just chit-chat.
Absolutely..based on the experience Amex is definitely the best. I even got couple of LE offers from Amex without even raising a request.
 
We know that different bank offers Credit limit enhancement on their specific period / criteria...

But my personal experience is SBI is best among all...

Sharing all banks experiences -

1. Icici card (1.5 years old ) - NO LE till now

2. SBI ( 10 months old ) 2 LE...86k to 1.46L...Recieved 2 LE....Got card in October 2022... Got 1st LE on 27th April and 2nd today...

3. HDFC ( Used 7 months) NO LE and Credit card upgrade offered and accepted on Card to card basis...Still they didn't agreed.. So closed all of them...

4. One card - (9 months ) No LE

5. AU - ( 4 months while being used)

6. Axis ( 6 months old) no LE

7. RBL ( 15 days old )
You are only talking timelines in months..
After a year or two , the same subject discussion could take a different perspective
 
Icici is amongst the best in terms of amount of LE. But I am quite surprised by Amex, they offered me LE in just 5 months of activating card. HDFC, Indusind, One card no LE for past 2 years or so.
 
For me, RBL took me from 141000 to 541000 in 3 years. ICICI from 70000 to 510000 in over 4 years. HDFC from 100000 to 500000 in over 3 years. Have received preapproved LE on SCB, Axis, Amex IndusInd and IDFC First as well, but not as regularly as on the others. SBI has been the worst, the only card on which I had to really ask the bank for an increase, after denying me at the regular CC level, had mailed the PNO with income documents and they increased from 70000 to 210000, and its almost 2 years since and no movement.
 
Back
Top