Share Credit Card Pre Approval, upgrade and limit Enhancement Tips and tricks.

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Deal Cadet
Sushil_patwari

I created this thread for helping dimers for getting credit card pre approved offers, limit enhancement and upgrade.
Please share your thoughts and experience so others can get benefitted from it.


Tips
1. By maintaining saving account balance of 1-2 Lakh you can get pre Approved credit card, LE and upgrades.

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Deal Subedar Deal Subedar
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How to increase limit of Amazon Pay ICICI Credit Card?

Deal Cadet Deal Cadet
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B3A5T wrote:

How to increase limit of Amazon Pay ICICI Credit Card?

How much of limit you use per statement ?  If you use 20-40% of your credit limit per statement and pay on time than your chances are high for limit enhancement and upgrade.

Deal Subedar Deal Subedar
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Sushil_patwari wrote:

How much of limit you use per statement ? In percentage.

Previous to last month, it was <30%.
Last month, this month and next month it would be 40-50%.
I’m making sure not to go above 50%

Royal Challengers Bangalore Royal Challengers Bangalore
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haan bhai koi Bob ka b ptado physical verification kya kya hoti hai? Bob Wale thread pe koi reply nhi de rha tha

Critic Critic
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Sushil_patwari wrote:

How much of limit you use per statement ?  If you use 20-40% of your credit limit per statement and pay on time than your chances are high for limit enhancement and upgrade.

A myth, at least for amazonpay or any in-demand card(aka cards with often misused offers like axis ace/axis flipkart/amazonpay etc) the limit enhancement is purely dependent on some algorithm analysing many factors. This “trick” of using X% of your card limit etc only works for normal not-so-popular cards.
@B3A5T

Hunk Hunk
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DealFinderrr wrote:

haan bhai koi Bob ka b ptado physical verification kya kya hoti hai? Bob Wale thread pe koi reply nhi de rha tha

Nahi hota hai.
At least for me it did not happen.

Hotshot Hotshot
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ZNZ wrote:

Nahi hota hai.
At least for me it did not happen.

Yaa it’s quite random
i have applied 4 card
1. ITR , no physical visit (mine) , approved within 5 days
2. C2C , physical visit (father) , approved within 5 days
3. ITR , Physical visit (friend) , application pending from 1 month
4. Salary slip , agent called and said if someone asks say i visited you , he lives in rural area (Relative) , approved after 1.5 month

Chennai Super Kings Chennai Super Kings
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B3A5T wrote:

How to increase limit of Amazon Pay ICICI Credit Card?

Prime days coming , LE wave should be coming then like last year

Royal Challengers Bangalore Royal Challengers Bangalore
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vkrmjeet wrote:

Yaa it’s quite random
i have applied 4 card
1. ITR , no physical visit (mine) , approved within 5 days
2. C2C , physical visit (father) , approved within 5 days
3. ITR , Physical visit (friend) , application pending from 1 month
4. Salary slip , agent called and said if someone asks say i visited you , he lives in rural area (Relative) , approved after 1.5 month

did they visit office? Or residence address? I can provide them C2c or salary slip 

Hotshot Hotshot
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DealFinderrr wrote:

did they visit office? Or residence address? I can provide them C2c or salary slip 

if both are in the same city then u can ask them to come whereever you want they call first asking for directions but if they are adamant to see business then maybe u will have to show them but it will not happen in most of the cases as they have to do multiple kyc perday they don’t spend much time per applicant.

it is your choice whichever you find favorable for you apply via that.

Deal Cadet Deal Cadet
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Some somebody share steps for idfc credit cards?
Am thinking to apply for one

Royal Challengers Bangalore Royal Challengers Bangalore
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vkrmjeet wrote:

if both are in the same city then u can ask them to come whereever you want they call first asking for directions but if they are adamant to see business then maybe u will have to show them but it will not happen in most of the cases as they have to do multiple kyc perday they don’t spend much time per applicant.

it is your choice whichever you find favorable for you apply via that.

Thanks for help brother +kg

Commentator Commentator
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iron-man wrote:

Some somebody share steps for idfc credit cards?
Am thinking to apply for one

from their website if not a existing customer

Deal Cadet Deal Cadet
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monu.tanwar123262 wrote:

from their website if not a existing customer

Yes, i don’t hold any relationship with their bank.
Just thought of opening from there website?

My question is
Whether they do vkyc or physical kyc or physical verification and time for card approval

Commentator Commentator
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iron-man wrote:

Yes, i don’t hold any relationship with their bank.
Just thought of opening from there website?

My question is
Whether they do vkyc or physical kyc or physical verification and time for card approval

no idea, mera mere office mai open kia tha via aadhaar thumb imprsn and clicked a photo of pancard, ek tab tha unke pas usspr he sign krwaya tha ek then kit ghr agai thi bluedart se, uske baad i applied card as pre approved without any documents.

Deal Cadet Deal Cadet
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guest_999 wrote:

A myth, at least for amazonpay or any in-demand card(aka cards with often misused offers like axis ace/axis flipkart/amazonpay etc) the limit enhancement is purely dependent on some algorithm analysing many factors. This “trick” of using X% of your card limit etc only works for normal not-so-popular cards.
@B3A5T

What about holding 1-2 lakh in saving account ?

Deal Newbie Deal Newbie
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offtopic..

someone please tell does multiple axis cards show as one in cibil like icici or they show as different different accounts in cibil..

Deal Newbie Deal Newbie
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BUDHRAJ0 wrote:

offtopic..

someone please tell does multiple axis cards show as one in cibil like icici or they show as different different accounts in cibil..

Different accounts for Axis. ICICI creates one account in their system too and tag all credit cards being issued to that user to the account. I have the account number of a card, which I closed 7 years back. (P.S. Currently, I am using 2 ICICI cards and also 2 Axis cards.)

Critic Critic
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Sushil_patwari wrote:

What about holding 1-2 lakh in saving account ?

Similar myth, it may increase your chances of getting approval for a card from a bank with not-so-popular cards but no relation with limit enhancement or card upgrade offer in majority of cases unless the amt kept is very large.

Critic Critic
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iron-man wrote:

Some somebody share steps for idfc credit cards?
Am thinking to apply for one

IDFC recently devalued their reward program so not much point getting their cards except maybe for their top tier wealth card but that will only be approved for a non-idfc acc holder if you already have some existing cc with 4-5 lakh+ limit preferably on a mid-tier card(aka annual fee typically 2k+ even if currently given ltf).

Deal Cadet Deal Cadet
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iron-man wrote:

Yes, i don’t hold any relationship with their bank.
Just thought of opening from there website?

My question is
Whether they do vkyc or physical kyc or physical verification and time for card approval

Apply from their website directly and it’ll show you the eligible card. Submit your application and VKYC will be done immediately after. If everything goes smoothly, the Customer ID will be sent to you within 20 mins. You’ll have to log in to IDFC First app to view card details.

Delhi Capitals Delhi Capitals
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best is AU card, just fill online and card came home

Critic Critic
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Ransome wrote:

Apply from their website directly and it’ll show you the eligible card. Submit your application and VKYC will be done immediately after. If everything goes smoothly, the Customer ID will be sent to you within 20 mins. You’ll have to log in to IDFC First app to view card details.

IDFC cards also have a serviceable pincode list which has no relation with idfc bank branch location(aka your address pincode might be a 5 min walk from idfc bank branch but still not be in serviceable pincode list) & if your address pincode is not there, you won’t get card.

@iron-man

Deal Cadet Deal Cadet
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demerius2020 wrote:

best is AU card, just fill online and card came home

Is it that in much easy? No Income Proof, No verification, No previous relations with AU Bank, No VKYC?

Delhi Capitals Delhi Capitals
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satraghav wrote:

Is it that in much easy? No Income Proof, No verification, No previous relations with AU Bank, No VKYC?

yes

Post Tycoon Post Tycoon
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Hdfc m kesay limit enhancement hoga 50k limit h aur har month 10-20k use karta hu 7month hogaya h bussiness money back cc h+saving account h 60-80k maintain rahta h
Kitne time bad aaye ga offer

Delhi Capitals Delhi Capitals
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vkrg213752 wrote:

Hdfc m kesay limit enhancement hoga 50k limit h aur har month 10-20k use karta hu 7month hogaya h bussiness money back cc h+saving account h 60-80k maintain rahta h
Kitne time bad aaye ga offer

i have this theory that uaply for new card and it make your limit increase ,this formula worked with sbi

Entertainer Entertainer
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demerius2020 wrote:

yes

really😲

no wonder their cards are not rewarding like others and 7999 fee for one specific card🤯

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