Should I take LE on my Axis Bank ACE Credit Card?

[crazyuploader]

Hi,

I've been eagerly waiting for LE on my Axis Bank ACE Credit Card (15K Credit Limit), as whatever expenses I have, the credit utilization is always off the chart, with me having a typical bill generated around 12-13K.
Lately started seeing loan offers up-to 1,05,000 INR, and finally seeing an option to increase my credit limit to 30,000 INR. Which TBH feels like a slap in the face, such an insult! I thought I would get 75K based on what I've heard from others. And here I am laughing at this seeing 30K LE offer
But anyways, what should I do? Should I accept the LE offer or wait for more?

Regards.

 

[crazyuploader]

But again, it'd be hard for me to spend that much money per month, since I don't do that anyways, and can't spend thousands unnecessarily to save ~589 INR per year, I have saved about 2.5K so far from last November. If only I could check how much I've spent so far

Don't really think I can spend 1.1L in 3 months as I could only spend ~89K in ~9 months

 

[crazyuploader]

Yes that's what my question also , if you have spent 10k within 45 days , they might have reversed your joining fees , that's fine.

When you have only 15k limit , the total limit for 1 year will be itself 1,80,000 so you cant spend 2L bro .

So only i asked whether its LTF.

Its better to take this LTE as of now and wait for more offers in future bro.

Yeah, 2L on a 15K Credit Card is hard, not yumpossible but definitely hard.

 

[crazyuploader]

LE lêne mai Kon itna energy waste karke thread banake sochta hai , click one button and take it , we don’t know anything about FUTURE

Just wanted a second opinion; wouldn't want to settle for less.

 

[0xfallup]

Just wanted a second opinion; wouldn't want to settle for less.

Well for banks like AXIS there shouldn’t be second opinion

 

[Akashn]

Hi,

I've been eagerly waiting for LE on my Axis Bank ACE Credit Card (15K Credit Limit), as whatever expenses I have, the credit utilization is always off the chart, with me having a typical bill generated around 12-13K.
Lately started seeing loan offers up-to 1,05,000 INR, and finally seeing an option to increase my credit limit to 30,000 INR. Which TBH feels like a slap in the face, such an insult! I thought I would get 75K based on what I've heard from others. And here I am laughing at this seeing 30K LE offer
But anyways, what should I do? Should I accept the LE offer or wait for more?

Regards.

View attachment 25703

Hi.. I have got this exact same loan offer on my Ace.. When I can expect LE now?

 

[runzone]

Hi.. I have got this exact same loan offer on my Ace.. When I can expect LE now?

Mai bhi arso se wait kar raha lekin LE nahi de rhe

 

[Akashn]

Mai bhi arso se wait kar raha lekin LE nahi de rhe

Loan offer mila?

 

[runzone]

Loan offer mila?

Ha 780k de rhe lekin credit card pe

 

[cardy]

My recommendation will be take it. And you will get LE in time. And if you want manual increament you will get a cibil hit and required income documents.

 

[niteeshk]

My recommendation will be take it. And you will get LE in time. And if you want manual increament you will get a cibil hit and required income documents.

there is no cibil enquiry in my case when requested for manual LE

 

[runzone]

there is no cibil enquiry in my case when requested for manual LE

For me there was CIBIL enquiry for manual LE using salary slips

 

[Vasuki]

Hi,

I've been eagerly waiting for LE on my Axis Bank ACE Credit Card (15K Credit Limit), as whatever expenses I have, the credit utilization is always off the chart, with me having a typical bill generated around 12-13K.
Lately started seeing loan offers up-to 1,05,000 INR, and finally seeing an option to increase my credit limit to 30,000 INR. Which TBH feels like a slap in the face, such an insult! I thought I would get 75K based on what I've heard from others. And here I am laughing at this seeing 30K LE offer
But anyways, what should I do? Should I accept the LE offer or wait for more?

Regards.

View attachment 25703

I never saw or touched ..limit increase button looks like

 

[Vasuki]

there is no cibil enquiry in my case when requested for manual LE

Maybe Because you would have been in pipeline for l.e & its just it didn't pop up in your UI ..

Else there is always cibil hit post checking your current profile by bank in l.e request