how often dose standardcharted bank / Kotak bank increase the limit

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Deal Subedar
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what is the best usage pattern to get the limit increased on your existing credit card

dimers please comment on the percentage of limit increase and the span of time for the increase

14 Comments  |  
7 Dimers
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Deal Cadet
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Hit the max limit on the credit card but pay full amount before the due date. Do this for couple of months and they start offering the higher limit.
Don’t worry about cibil score (people give free advice that maxing the limit would effect the cibil score, but it is not correct. If you have many credit cards and all are maxed out, then that would effect the cibil score.)
To get “loan on card”, use the card for online spends. You would become eligible for loan on CC option.

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Deal Cadet
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Kotak after every 6 months automatically increases my limit 20%
Started with 50k now 2.5L+
For sc i dont think there is any fixed time, i have been offered a limit increase only once in 4-5 years it was more than 60% of existing limit

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Deal Subedar
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karanoshan wrote:

Kotak after every 6 months automatically increases my limit 20%
Started with 50k now 2.5L+
For sc i dont think there is any fixed time, i have been offered a limit increase only once in 4-5 years it was more than 60% of existing limit

Do you use the card every month

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Deal Cadet
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AnnamalaiNryaa wrote:

Do you use the card every month

Only if some offer is going on, else no, the rewards on both are use less

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Deal Newbie
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Every 6 months, if you spend more than 50% of limit and paying dues on time without any emi. 100% increase in 6 months for me.

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Deal Subedar
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--AJ-- wrote:

Every 6 months, if you spend more than 50% of limit and paying dues on time without any emi. 100% increase in 6 months for me.

Please check PM

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Community Angel
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karanoshan wrote:

Only if some offer is going on, else no, the rewards on both are use less

Which cc variant you have of kotal Bank?

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Deal Cadet
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--AJ-- wrote:

Every 6 months, if you spend more than 50% of limit and paying dues on time without any emi. 100% increase in 6 months for me.

which card ??

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Deal Subedar
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stealdeal wrote:

which card ??

All cards from the basic urbane till royal signature gets like this except for the Royale signature card,

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Deal Subedar
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dev007 wrote:

All cards from the basic urbane till royal signature gets like this except for the Royale signature card,

Sorry, can you explain , the royale signature thing you say is confusing

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Deal Subedar
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AnnamalaiNryaa wrote:

Sorry, can you explain , the royale signature thing you say is confusing

In my case I was upgraded from urbane till royele one with couple of upgrades between urbane and Royale.
For all the 3 upgraded cards except for Royale, I was given that 6 months limit enhancement and upgrade offers

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Deal Subedar
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dev007 wrote:

In my case I was upgraded from urbane till royele one with couple of upgrades between urbane and Royale.
For all the 3 upgraded cards except for Royale, I was given that 6 months limit enhancement and upgrade offers

Please check pm

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Deal Newbie
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stealdeal wrote:

which card ??

Kotak signature and rbl maxima

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