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My SBI simply click unsecured cc approved- should I be happy or worried?

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VimAl_Raj

My card approved with big limit of ten thousand.. Should I feel happy about my first ever unsecured cc or worry about d worst ever limit of 10k from SBI cards? @DimeDime @guest_999 @Mufasa

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Deal Cadet Deal Cadet
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Should I decline my card? Can I request for limt upgrade?

Deal Subedar Deal Subedar
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Just accept it and later on you can request for limit increase

Critic Critic
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Keep the card & use it in a good way for at least 1 year as sbi & icici cards never increase a card limit before 1 year.

Deal Subedar Deal Subedar
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How did you know about the limit? From CIBIL Report or Card Delivered ?

Deal Cadet Deal Cadet
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NewLife wrote:

How did you know about the limit? From CIBIL Report or Card Delivered ?

E card through email.

Deal Cadet Deal Cadet
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guest_999 wrote:

Keep the card & use it in a good way for at least 1 year as sbi & icici cards never increase a card limit before 1 year.

1 year huh??? flushed flushed

Deal Cadet Deal Cadet
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deals44u wrote:

Just accept it and later on you can request for limit increase

My gross salary 38k..take home salary 25k.. That too salary account in SBI itself.. Heard that d limit wud b twice d salary. But not in my case . though it’s my first ever unsecured card.. unhappy with d limit .dey didn’t decline d card..that’s d only positive..

Community Angel Community Angel
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VimAl_Raj wrote:

My gross salary 38k..take home salary 25k.. That too salary account in SBI itself.. Heard that d limit wud b twice d salary. But not in my case . though it’s my first ever unsecured card.. unhappy with d limit .dey didn’t decline d card..that’s d only positive..

Be happy that you received the card. Even if limit is low, you can use it wisely, pay to it and use it again if required but don’t miss single bill payment. After 1 year, you can request SBI for limit enhancement by providing your latest payslips. By seeing good history they will definitely increase your limit.

Deal Subedar Deal Subedar
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guest_999 wrote:

Keep the card & use it in a good way for at least 1 year as sbi & icici cards never increase a card limit before 1 year.

Wrong.
I got multiple Credit Limit Enhancements for my irctc credit card and simply Click.
Started with irctc card 80k.
Limit increase offered to 105k in 4th billing.
Applied simplyClick in 6th month.
Limit split 50+55.
Used simply Click once right before lockdown.
Not used both cards during lockdown.
Used both cards heavily during diwali.
After paying diwali shopping bills, applied for limit increase based on income.
Now both cards have limit 240 combined.
Irctc card about 18 months old; simply Click about 10 months old.

Deal Subedar Deal Subedar
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Here’s the trick to increase sbi limit.
Purchase for more than credit limit by depositing extra money.
Pay the bills well in time.
You will surely receive limit enhancement offers.

Deal Cadet Deal Cadet
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nimod wrote:

Wrong.
I got multiple Credit Limit Enhancements for my irctc credit card and simply Click.
Started with irctc card 80k.
Limit increase offered to 105k in 4th billing.
Applied simplyClick in 6th month.
Limit split 50+55.
Used simply Click once right before lockdown.
Not used both cards during lockdown.
Used both cards heavily during diwali.
After paying diwali shopping bills, applied for limit increase based on income.
Now both cards have limit 240 combined.
Irctc card about 18 months old; simply Click about 10 months old.

Thank you..vil use it n then try

Deal Cadet Deal Cadet
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nimod wrote:

Here’s the trick to increase sbi limit.
Purchase for more than credit limit by depositing extra money.
Pay the bills well in time.
You will surely receive limit enhancement offers.

U mean pay d amount to cc even b4 making purchase? If I wanna purchase 20k shall I make 10k towards my cc n pay 20k b4 bill generation? No over usage charges?

Deal Subedar Deal Subedar
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@VimAl_Raj Dude accept it, use wisely as suggested and you can easily get the CL increased
btw, how did you apply ? online or via branch ?

Deal Subedar Deal Subedar
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VimAl_Raj wrote:

U mean pay d amount to cc even b4 making purchase? If I wanna purchase 20k shall I make 10k towards my cc n pay 20k b4 bill generation? No over usage charges?

No overlimit charges if you pay in advance (before purchase). I did same during diwali and got partial limit enhancement.

Deal Cadet Deal Cadet
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BlueFlash wrote:

@VimAl_Raj Dude accept it, use wisely as suggested and you can easily get the CL increased
btw, how did you apply ? online or via branch ?

Branch .but that idiot applied for save.. But during Verification call I told that he applied for click only.. Then they changed it..n processed..

Deal Cadet Deal Cadet
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nimod wrote:

No overlimit charges if you pay in advance (before purchase). I did same during diwali and got partial limit enhancement.

On . Let me also try d same

Pro Shopping Friend Pro Shopping Friend
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guest_999 wrote:

Keep the card & use it in a good way for at least 1 year as sbi & icici cards never increase a card limit before 1 year.

but will surely charge Rs218 per user request irrespective of limit enhanced or not

Deal Captain Deal Captain
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nimod wrote:

Here’s the trick to increase sbi limit.
Purchase for more than credit limit by depositing extra money.
Pay the bills well in time.
You will surely receive limit enhancement offers.

I haven’t Recieved any limit enhancement even though spent more than 7 lacs last year.

Deal Cadet Deal Cadet
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soccergiants wrote:

I haven’t Recieved any limit enhancement even though spent more than 7 lacs last year.

Bro spent 7 lacs for personal use or for someone else’s orders

Deal Brigadier Deal Brigadier
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@VimAl_Raj how much u need to spend to get annual fees waived off?

Deal Cadet Deal Cadet
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caks2006407 wrote:

but will surely charge Rs218 per user request irrespective of limit enhanced or not

They will charge only if the credit limit enhanced – info from customer care executive

Deal Cadet Deal Cadet
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Accept it. Better than nothing(no unsecured CC).
Right now CL upgrade should be left as a task for future.
Use it smartly. Make sure, when all things considered, you aren’t not paying for the card.
For just ₹89.82(499+GST-500 amzn GV), you are getting a tier-2 unsecured card for the first year.
I’ll be happy with that.
More so, given that SBI-Amazon offers for debit card have pretty much dried up these days, it is a great card to have in your arsenal.

Deal Cadet Deal Cadet
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caks2006407 wrote:

but will surely charge Rs218 per user request irrespective of limit enhanced or not

236

Critic Critic
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nimod wrote:

Wrong.
I got multiple Credit Limit Enhancements for my irctc credit card and simply Click.
Started with irctc card 80k.
Limit increase offered to 105k in 4th billing.
Applied simplyClick in 6th month.
Limit split 50+55.
Used simply Click once right before lockdown.
Not used both cards during lockdown.
Used both cards heavily during diwali.
After paying diwali shopping bills, applied for limit increase based on income.
Now both cards have limit 240 combined.
Irctc card about 18 months old; simply Click about 10 months old.

Exceptions are always there especially if you are salaried. Friend has 80k salary psu job & still icici refused to increase his card limit before 1 year from current 50k limit which icici gave him without any documents. op has a govt job with 25k in hand salary & still got only 10k limit card, 99% chance he will not get card limit increase irrespective of how he uses his card but yes if he spend heavily by adding funds in advance then chances of getting a limit increase after 1 year will increase.

Deal Cadet Deal Cadet
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At least your card application got approved. Don’t decline just keep using & pay bills on time. You will definitely get credit limit increase offer in future.

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