I have been using SBI simply click CC with 10k limit from past 4 months. I applied for that Card online. I have savings account with a SBI branch near to my locality. Few days back branch called me saying I got a pre-approved offer and I can get either Pulse or SimplySave none being LTF. I inquired them if they could just increase my current Card limit but they said they can't do that but assured me if I take either of Card that will come with a much higher limit. What should I do? I want to take private bank CC on c2c basis after a year so for that i will be needing a cc with much higher limit. Should I wait for SBI to increase my current SimplyClick cc limit or should i bite the bullet and take any of the pre approved card that as per Agent will come with much higher limit for better chance of approval for C2C from HDFC, Axis etc. and get it closed before second year
I never got limit increase, new card offer on Simply click in last 2 years. Initial limit was 45k. Now 55k with income documents.
Take SBI bpcl, you will get high limit, soon you may get new Additional card offer in App itself like in 1 year
The 10k card is 4months old, you shouldn't be getting upgrades etc till 6 months. What does sbicard app say? Showing any preapproved card or upgrade or limit enhancement? Should NOT... Maybe bank agent is trying to cover his target.
Sbi said to me only two card possible per customer.
Once same happened to me from sbi branch got call. Later not approved they said because i have already two sbi card they can't approve 3rd
Smiling wrote:2 Main Cards + 1 Co-branded Cards like Ola SBI/Paytm SBI is allowed.How 4 cards ?
Sbi said to me only two card possible per customer.
Once same happened to me from sbi branch got call. Later not approved they said because i have already two sbi card they can't approve 3rd
Smiling wrote:where did i mention i got multiple cards huh. I only got one i.e - simplyclick. Pre -approved offer is for second which can either be simplysave or pulseHow 4 cards ?
Sbi said to me only two card possible per customer.
Once same happened to me from sbi branch got call. Later not approved they said because i have already two sbi card they can't approve 3rd
Smiling wrote:I have 3 sbi cc two are simplyclic and other one is dmrc cc
Sbi said to me only two card possible per customer.
Once same happened to me from sbi branch got call. Later not approved they said because i have already two sbi card they can't approve 3rd
Well, OP isn't even now interested in to the point replies... while everyone is flashing their PSU cards...
Agnivo007 wrote:App is not showing anything. I visited branch and Agent showed me a piece of paper with few names written on it including mine. He said it is the list.The 10k card is 4months old, you shouldn't be getting upgrades etc till 6 months. What does sbicard app say? Showing any preapproved card or upgrade or limit enhancement? Should NOT... Maybe bank agent is trying to cover his target.
Smiling wrote:Currently I only got one - SimplyClick. I wonder if i can get SimplyClick again. Hopefully with a much better limit
Sbi said to me only two card possible per customer.
Once same happened to me from sbi branch got call. Later not approved they said because i have already two sbi card they can't approve 3rd
This is the exact same way I got my simplysave card after getting fd based simplyclick card a few months earlier but don't believe the branch ppl regarding "much higher limit" as I was also told the same but eventually got just 10k more than my simplyclick card.
guest_999 wrote:thanks for sharing your experience. I am also in doubt and is vary of Agents pitching. I don't want to spend 500 for another Card that comes with limit of just few more thousands more than my already paid Card.This is the exact same way I got my simplysave card after getting fd based simplyclick card a few months earlier but don't believe the branch ppl regarding "much higher limit" as I was also told the same but eventually got just 10k more than my simplyclick card.
If i keep using my current 4 month old SimplyClick CC that has limit of only 10k, how much limit increase can i expect after say 6 months or 1 year of use. My Card spend is over a lakh yet my Credit Utlization is around 20%. Thats because i immediately pay the balance after utilizing the amount.
Kyte750 wrote:My simplysave card limit issued with 25k limit first got enhanced to 60k after around 7-8 months & eventually to 1 lakh after another 4-5 months. My usage before limit enhancement was similar to yours.If i keep using my current 4 month old SimplyClick CC that has limit of only 10k, how much limit increase can i expect after say 6 months or 1 year of use. My Card spend is over a lakh yet my Credit Utlization is around 20%. Thats because i immediately pay the balance after utilizing the amount.
I am using sbi simplyclick limit 10k since 5 months. I spend around 170k by just reloading the card before use. and reached 80% usage many times. Now Getting this notification. What should I do ? My priority is limit enhancement
@the_Kirang Doesn't SBI have a fixed limit for each billing cycle? It didn't used to work above that even if prepaid/reloaded. Have things changed now?
Agnivo007 wrote:@the_Kirang Doesn't SBI have a fixed limit for each billing cycle? It didn't used to work above that even if prepaid/reloaded. Have things changed now?
I think No Fixed Limit. Despite my limit is 10k only. I have single transaction of ~15k+ many times and it's got successful each time with no penalties. But before transactions I make sure my limit won't exceed 100% at any time. Ex. If I want to transact 15 k then i will make balance as 17 k.. so after 15 transaction 2k will remain in card
@the_Kirang Is it a FD linked/based card?
the_Kirang wrote:Are you getting Pre-approved offers for 5 month old CC? If yes, which CC s are they offering? TIAI am using sbi simplyclick limit 10k since 5 months. I spend around 170k by just reloading the card before use. and reached 80% usage many times. Now Getting this notification. What should I do ? My priority is limit enhancement
Agnivo007 wrote:@the_Kirang Is it a FD linked/based card?
It's not FD based card. Applied through agent and got with 10k limit.
But the limit given is my Concern.
the_Kirang wrote:Is CL shared with SimplyClick CC? If No, what's the Credit Limit SBI is offering?SBI BPCL.
the_Kirang wrote:I think No Fixed Limit. Despite my limit is 10k only. I have single transaction of ~15k+ many times and it's got successful each time with no penalties. But before transactions I make sure my limit won't exceed 100% at any time. Ex. If I want to transact 15 k then i will make balance as 17 k.. so after 15 transaction 2k will remain in card
Really?If i have 10k limit but i want to do a txn of 15k..can add 5-6k .And do it?What about overlimit charge?
Agnivo007 wrote:SBI CC is giving Pre-approved offers for 4 months only. My Card is 4 months and today got the BPCL & SimplyClick (2nd one) offers with Shared CL with my SimplyClick CC.The 10k card is 4months old, you shouldn't be getting upgrades etc till 6 months. What does sbicard app say? Showing any preapproved card or upgrade or limit enhancement? Should NOT... Maybe bank agent is trying to cover his target.
I too got an option for BPCL today. 4 months old Simply Click holder. I also see that I can apply for another SimplyClick. Will you take? BPCL is also available in Rupay... Rupay offer coming for UPI linking just like amazon rupay platinum load every month. But reward redemption is only at fuel pump I guess... @satraghav
Agnivo007 wrote:I too got an option for BPCL today. 4 months old Simply Click holder. I also see that I can apply for another SimplyClick. Will you take? BPCL is also available in Rupay... Rupay offer coming for UPI linking just like amazon rupay platinum load every month. But reward redemption is only at fuel pump I guess... @satraghav
I took simplyclik.just worried about limit as my original was just 40k..I spilt it as 10(old),30(new)..Can we expect limit enhancement in future?
