Why has SBI reduced credit limit in spite using 80% limit

[Mogambo]

"Dear Cardholder, basis internal review of your SBI Credit Card XX69, your Credit Limit has been revised to Rs42000 & Cash Limit has been withdrawn."

Limit is reduced from 95k to 42k. I have literally used full limit every month.

1. Is it because I have collected too much cashback?
2. This time around I had spent 95k and paid 75k 1 day early before bill generation, so 20k bill for generated. Is it because of early payment and sbi thinks I am using less? ( I am thinking early payment caused reduction)

Please Need help in restoring to earlier credit limit. 🙏🙏

 

[Beyond]

Does anybody have idea how much credit utilization is ok with SBI CB. My credit limit is very low, ₹24000 only. 30% only makes ₹7200. Can,t even buy entry level mobile with this limit.

Don't take too much tension, just keep on using it. Limit is not permanent it keeps on fluctuating.

 

[aniketkr.sharma]

Does anybody have idea how much credit utilization is ok with SBI CB. My credit limit is very low, ₹24000 only. 30% only makes ₹7200. Can,t even buy entry level mobile with this limit.

I had a limit of 2.1 lacs on sbi cashback card and wasn't doing anything transaction from last 8 months still i got an LE in November for 1 lacs, its there system to determine whatever criteria they had for LE and suppress of LE

 

[technoswan]

it keeps on fluctuating.

That makes sense. Thanks