Tata Star SBI Credit Card..Lowest Limit Given (72k)

[chnleo]

I had visited Tata Star supermarket at gachibowli, Hyderabad 10 days back. Moment i entered then a Sbi agent pounced on me and forced me to apply for Tata Sbi card. Sincle Sbi was the only card missing in my stable then I decided to give it a shot. I hold Axis magnus, Idfc wealth and mayura with 15L limits. I have cibil score of 785 with perfect record since 20 years. Sbi made 2 cibil hits and 1 Experian hit too!!! Also.... Central kyc!!!!!

Now comes the best part! My card was approved and I was alloted a premium card with annual charges of 2999+gst. Got my card after few days and when I opened the courier then I found the limit to be miserly 72k!!! Wtf!!! My brain was knocked off for a moment and my entire family laughed for a day! I tried calling cc but always ended up facing a wall through ivr! Finally I mailed them to cancel my card and i am waiting for their reply! I decided never to apply for sbi card again! I request everyone to avoid sbi totally. Worst bank and worst cc.

Update: Sbi people called me and argued that I had accepted the limit before approval!!! I asked where??? There was a mention that the limit would be between 40k to 30L. So I was expecting atleast midway mark! I had to cut their argument and flatly told them to cancel. After I got their cancellation noc then I breathed a sigh of relief! After all battle won for nothing! 🤦‍♂️

 

[2025]

DDefinitely people have priorities.

Done and dusted!

Ya, that's what comes into everyone's mind.
Your priorities were different. But for that, you can not tell a normal thing as the joke of the century. Right!
Nothing absurd happened in your case.

I feel even though HDFC has some stringent norms or being rude to customers, they have created better sustainable CC base overall.

He he... For me, all credit cards by all banks are useful, and most of them are designed for some specific purpose for some specific group of people.

 

[hender]

A person grows up, gets married and has kids. When all these factors come up in life then there is a necessity to own a credit card and more limit is expected when expenditure shoots up. It's a battle for every thing to survive. Expecting higher limits is not pampering but to fulfill our needs! 20yrs back my first credit limit was 80k and today it grew to max 20L. I travel atleast 3 times abroad with my family and we spend accoring to my earnings. So there is nothing wrong in me expecting higher limit! While applying the sbi agent swore that i would get good limit and so i agreed. Hope you understood.

+1, Small Limit + 30% Utilisation for maintenance of good score is a contradiction by nature.

 

[hender]

Do you really believe that I applied 32 times ?

I am not a newbee.... I was holding cards since 1985. Probably, you were not born then. I held n surrendered 37 cards till now n hold 16 cards as of now.

I applied once to HDFC - supposed to be pre-approved in 2023. Those idiots approved, issued n couriered thir card and blocked it - all on the same day.

Those jokers did 32 hard hits - whenever I sent an email or spoke to them. So, had to escalate it to RBIO.

That's really a Pain - How they are running the show - one of India's biggest Pvt Sector Bank...

 

[sidpsidp is verified member.]

Agreed 💯, but, Post Cibil or anything, once they are offering Limit...
It can be included in process, take customer's final consent on SMS/Email or both to go ahead with offered limit.

Icici seeks explicit permission for cibil enquiry. Among all major bank, Icici has better system and decent sop.

 

[hender]

He he... For me, all credit cards by all banks are useful, and most of them are designed for some specific purpose for some specific group of people.

+1, School/College going, freshers/in Early stage Job/ Mid Career... Professional/ Businessman / Traveller etc... Every need case is different and the Card and benefits as well.
So the limit as well.

 

[sidpsidp is verified member.]

. Got my card after few days and when I opened the courier then I found the limit to be miserly 72k!!!

As your main concern was cl. Try changing the thread name to something more appropriate. User might open the thread expecting a review of card but find out its about cl instead.

May be to " received tata star sbi cc with joke of a limit. "
Cheers.