Understanding BoB Credit Limit

[Walter White]

Applied for BoB Credit Card on C2C Basis. Used my Amex Card Limit. But provisional limit is nearly 1/3rd of the total limit on my Amex Card. What additional factors do they take into consideration?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Initial credit limit is completely in the hands of underwriter, they probably consider everything like existing card limit , available card limit , your credit profile etc. On the basis of all these factor they make the judgement.
Also for C2C applications , available limit is more important that total credit limit