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Axis CC Credit Limit Increase

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Deal Lieutenant
Manitian
I am struggling to Get my axis ace Credit Limit. I don't have any, limit increase offers and even after sharing Bank Statement and Payslips, they are stuck at physical Office Verification.

Its not possible for me as it's WFH model.

Talked to RM and she isn't of any help either.
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Critic Critic
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Escalate the previous mails/thread of credit limit to Nodal officer and then to Principal Nodal officer. This might help.

Deal Cadet Deal Cadet
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@Manitian this method helped me however its pain to explain them and took almost 2 months for me just to update my office address.

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Deal Cadet Deal Cadet
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I do not understand how axis gives limit. Even I have tried. They have given me a credit limit of 35k from past 1.5 years. I have sent them my payslips(in 6 figures), bank statements and even had lakhs in axis bank savings account. But their reply was the given limit is already good. WTH.

Deal Lieutenant Deal Lieutenant
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nodal.officer @ axisbank.com

Mobile Guru Mobile Guru
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Even if you get through the physical office verification, there’s no guarantee that AXIS is increase the credit limit

Neither I got the Auto-Increment offer nor the manual process (Done twice past 1 year) worked for 1.5yr old FK AXIS CC ( Limit Approved – 32K )

Deal Lieutenant Deal Lieutenant
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you are holding FK card with 32k limit from last 1.5 years? flushed flushed flushed

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Generous Generous
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I believe COVID is one of the reasons for not getting limit increase offer as maybe they have had too many defaults.

I am Axis Bank CC & Savings Acc holder since 2014. My first Axis bank card had limit of 60k which subsequently was increased to 2.25 lacs over a period of 3years. In 2019, I applied for FK card and it was fine till June last year when they suddenly reduced my limit just 30k for 2 cards combined! On enquiry, was informed by CC that it is handled by some other team and they have no control over it but the reason cited was covid defaults.

But the same idiots offered me 10 lacs pre-approved loan in Dec last year (I know diff dept but..) which i availed. I dunno how two different depts assess the credit worthiness as even the loan is unsecured one.

Edit: Fast forward to last month, they offered me Ace card over phone. After all the verification (dont know the need for it, as am their customer), they rejected my application. And to make matters worse, it has apparently been applied twice (once by me and another by local branch) and twice rejected!

PS: My limit has been increased by HUGE amount- 5k to 35k last month

Deal Lieutenant Deal Lieutenant
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Unfortunately, they should improve and Improvise in Pandemic and WFH but they are lacking way behind and even degraded.

Today they processed my FK axis CC application and in turn, updated my other CC mobile no without any request.
Just got SMS mobile updated, without any reason. Crazy axis.

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Deal Lieutenant Deal Lieutenant
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Finally today seeing in App that CC limit is increased. Sent email to Though, I am still not sure if 3L limit is shared between 2 credit cards. Email sent to Nodal officer: 23/9 Ack received : 26/9 with 3 days update mentioned. Limit increase: 29/9. "@Sushrut.B":https://www.desidime.com/users/1...64 "@guest_999":https://www.desidime.com/users...83 "@cashif":https://www.desidime.com/users...53 "@getready":https://www.desidime.com/users/...24 "@ssgrocker":https://www.desidime.com/users/1...13 "@GuruGhantaal":https://www.desidime.com/users/1...09
Critic Critic
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Was a hard inquiry done on your cibil for the limit enhancement ? some banks like indusind/sbi do when the increase request is manually raised.

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Deal Newbie Deal Newbie
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I am 18, i have 3 axis card with combined limit of 45k. today i mailed nodal officer for limit increase. I have an emi going on of rupees 25000 in which i piaad 2 EMI'S . lets see what is their reply. my cards are 6 months old. i have exausted my limit fully, cibil 728

Coupon Baba Coupon Baba
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You won't get if you have 3 cards in 6months and y did u take 3cards within 6mnths ?? Basically to get credit enhancement u need to use 1 card properly by paying and using the limit for 6 months then you will be eligible for the limit enhancement and in your case I think you may face credit score hit also don't utilize the maximum amount in card always try to use arround 30-40% of the limit

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