How to Increase Credit Card Limit of Any Bank⚡किसी भी बैंक के क्रेडिट कार्ड की लिमिट कैसे बढ़ाए
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- Опубликовано: 2 окт 2024
- In This Video, I have discussed "How to Increase Credit Card Limit", credit card ki limit kaise badhaye. Shared my own experience how i managed to Increase my Credit limit of my SBI Credit Card, Axis Bank Credit Card, ICICI Credit Card, HDFC Credit Card.
👉Note - Maine Video me bataya ki Apko card use krna chhodna padgega ussue mera mtlb ye hai aap card pe spends km kijiye taki 30% see niche utilisation ratio maintain hone lage. bilkul card ko use krna band mat kijiye ni to bank inactive consider krne lagega.
How to Maintain Credit Utilization - • How to Maintain Credit...
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#CreditLimitIncrease #CreditCard
This Video Covers Below Topics.
how to increase sbi SimplyClick credit card limit,
sbi SimplyClick credit card limit kaise badhaye,
how to increase Flipkart Axis credit card limit,
Flipkart Axis credit card limit kaise badhaye,
how to increase Amazon ICICI credit card limit,
Amazon ICICI credit card limit kaise badhaye,
how to increase Axis Ace credit card limit,
Axis Ace credit card limit kaise badhaye,
how to increase IDFC First credit card limit,
IDFC First credit card limit kaise badhaye,
how to increase credit card limit without Documentation,
credit card limit kaise badhaye bina documents ke,
credit card ki limit kaise badhaye hdfc,
credit card ki limit kaise badhaye sbi,
credit card ki limit kaise badhaya jata hai,
credit card ki limit kaise badhaye axis bank,
credit card ki limit kaise badhaye icici,
Credit Limit Increase 2022
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भाई इतनी गहराई से कोई नहीं बताता।।। धन्यवाद।।।
But ye information sahi nh diya h
mera hdfc ka credit limit 11 lacs ha
but wo ab stable ho gayi hai.
2000 se use kar raha hu
jab ye 10000 se स्टार्ट हुआ tha
Mera bhi aise hi hai 😂
Informative video, thank you man! But I like your Iphone haircut more... Looks good on you 👌🏻
Please make a video - With BNPL Physical Card which offer - 0 - Zero Cost , 0 - Zero Maintenance , 0 - Interest (2/3/6 - months ) , Split Bill Pay for 2/3/6 - months -- BNPL CARD / Credit Card. Also make a compare video all available BNPL Card. With hidden Cost / Late fee charges. ..
Please make a video - With BNPL Physical Card which offer - 0 - Zero Cost , 0 - Zero Maintenance , 0 - Interest (2/3/6 - months ) , Split Bill Pay for 2/3/6 - months -- BNPL CARD / Credit Card. Also make a compare video all available BNPL Card. With hidden Cost / Late fee charges. ...
I think credit utilisation ratio is calculated once a month on bill generation and not at every instant one uses the card. Every bank has different criteria to give offers and uses different algorithms for calculation. Do remember that banks want you to spend on your card and end up not paying the due so that they earn via interest. I dont think if you utilise 80% of your credit limit, and pay back before the bill generation, it would lead to a high utilisation ratio. A good strategy is to use as much as you want and leave 10-15% for bill generation every month (pay thr remainder before bill is generated)for a period of time. Getting a zero bill every month by pre payment is also not good. Just have a 15-20% of credit limit as bill generated every month for a length of time for a credit limit enhancement offer.
Exactly
I did the same when my Amazon icici limit was just 40k. I used to spend more and clear the dues. Bill generated amount always lower or some time 0. But that doesn't worked for me to get automatically limit increase offer. Once I completely stopped using the card and bring my spends to very low in actual then after few months I got the limit increase offer. It took 13 month from issue of card to get first limit increase offer.
Similarly for Flipkart Axis limit was 70k and used to spend around 1-1.5 lakh. Didn't worked but lowering the spends worked for me.
Yes you are right
@@CardsBanking ICICI starts offering limit increase after 12 months only, your utilisation ratio etc come into the picture after that. Also, utilisation ratio for CIBIL etc is calculated on your total credit limit. Is it different for limit increase in cards?
Haan bank apka har ek transaction to check nhi karega sirf Jo bill pe ayega wahi dekhega
SBI wale sabko garibon wali limit hi dete hain 😄🤣🤣🤣🤣🤣
sach me pata ni kya sochte hai ki jyada limit de denge to customer paise wpaas ni dega kya
My limit was 25k and once I deliberately spent 24k on my sbi cc due to which my card was temporarily blocked which I had to unblock via customer care and that too took 10-20 days
I have 3 sbi credit cards and in my first credit card they gave 105000 but in my 2nd and 3rd CC they gave me only 10k limit in each card 🤣🤣
Got 56k limit which is damn good for a newbie like me
@@sumitsikriwal8898 You should not use more than 30% of the provided limit.
And you used 96%. This indicates that you are too much dependent on the credit and The provider sees you as a risky customer.
And doing this also impacts your credit score negatively.
Emi jitna jiyada karo ge utna jiyada limit badega
Aap Galt bata rahe hai .Maan Lijiye aapki limit hai 50k aur aap use kar liye pura 50k aur Maan Lijiye aapka bill 1 tarik Ko Generate hota hai aur aap 29 taarik Ko hi full ya 30 k payment kar diye to aapka bill 20k or 0 ayega .isse cibil increase hoga nah k decrease . Main khud aisa karta hun aur mere cibil increase hua hai nah k decrease ok so please no Rong talk...only right information.
I got Amazon pay ICICI card with starting limit 5,00,000 just 2 months ago. I wonder when will they offer credit limit increase.
Starting I had 1.64L limit on my amazon icici card and after using for few months they increased to 4.9 L . Thanks to icici bank
Have you given bank salary slip or itr ? I'm student ,so what limit will I get ?
@@Yoy7 u didn't get card
@@popularcarbonbrush for 30k salary how much credit limit we wl get
@@Yoy7 I applied without income proof. I already had an HDFC card of more than 6 Lakh limit and my CIBIL was above 780.
Hello brother , i am an NRI with zero credit score .
Can i apply for indian credit cards to build my score ?
Chup be chapri 😁
Please say numbers in English sir…
Really can’t understand your Hindi numbers….
How do i manage Flipkart Axis bank credit card? Is there any app to see the rewards or expenditure ??
you cant check the cashback for individual transaction in Axis App. Only way is to wait for statement to arrive on mail.
I have 26k salary but i got 20k credit limit on sbi simply click card.
So I'm doing all mistakes from last 6 months! Thanks for this eye opener video! But why bank provides such low credit limit even for salaried employees! Need to follow 2nd approach it seems! Hope by increasing credit limit they won't apply additional annual charges!
There are no additional charges
bhai mere mere ko 30k mili thi limit and fully utilize krta tha fr bhi within one year meri limit 70k krdi bank ne
Mari annual income hai 12 lakh + but credit card limit 15 k diya hai flip cart axis wala ma 😂😂
Kamal hai.😂
Flipkart axis bank credit card ki
Limit 15k mili hai ?
Increase kab hogi ?
Already have 80K in AMAZON PAY ICICI
both are recently approved .
amazon icici card ke liye itr di thi kya
Amazon icici pata nai kis base pe limit de raha, srudents ko 1.5 1.6 lav de raha, qur mujhe jo karke b 30k di🤐
2yr se 10k se limit badi hi nhi
Bhai mujhe Amazon pay ICICI credit card mila 60k ki limit p or almost hr month maine 90% utilisation kia but kabhi v advance payment nhi krk use kia and automatically mujhe 8 months me mujhe 1.10 lakh ka offer Mila🤟
And hr time Maine bill due date se pahle payment kra.
Great. So sabke liye bank different different parameter consider krti hai probably.
Sbi plus credit card approval ho geya credited Card ka limited 125000 ye card lu ya cancel karu please reply
MERI SBI credit card ki limit increased kr Di pahle 27500 thi ab 55000 hai
How did u increase?? I have using SBI credit card since last year but till now not increased
Mereko direct 105000 mila without income Docoment
Wow
Jhuth q bol rhe ho bhai
Galat bat main 90 percente spend Karta hu aur mujhe 4bar hdfc wale limit increase kiye hai
Full limit used kar ke bill generated se pehle 70% amount payment kar dunga to limit increase hoga ???
Flipkart axis card 15k limit hai meri
Bhai Aapko Kitne Mahine Baad Flipkart Axis Bank Credit Card ki Limit Badhakar Di gayi Aap transaction ko control mein laane ke baad?
Aur aapki limit 70k thi toh aap kitna spend Kiya karte theh limit badhane ke liye har mahine?
Spends km kr diye. 2 se 5000 k bich kharch kr rha tha. Around 7 months later I get increase limit from 70k to 120k than few months later 160k uske baad se ni badha h abhi tak.
Sir ye advance payment kaise karte hai
Excellent man.. TY so much, but I have a Q.. Please reply 🙏🙏
Mere paas multiple credit card hai, jis me mujhe limit extend karna hai ous card ko use karna band kar k dusre card me shift ho jaoun toh ye trick kaam karegi ??
Multiple card ke case me ek jo chiz aur aa jati hai ki pake sabhi card ki limit total limit kya hai. Example apke paas 5 card ki total limit 5 lakh hai aur apki earning around 50K hai jo bank janti hai to bhi wo ek factor aata hai. As bank already dekhega ki apke paas sabka mila kr kafi accha limit hai. So bank apko offer kr bhi sakti hai and nahi bhi. Ya kafi late mile limit increase.
Sir ma na axis Bank flipkart ka liya apply kiya ha or approved be ho gy ha ....
Meri salary 60 thousand ha per mera ghar 25 thousand ha aa ta na baki ka gpf ma kat ta ha ....
Mera ko kite na ki limit milegi please help
Yours head is looking like iphone notch 😂😂😂😂
Agr dear kisi ko first time credit card ban wana ho to mujhe sms kre
Yaa card to card krwana hoto
Isme or charge nhi Hain life time tk free Hain
Salary 32000 hai fir v 28000 ki hi limit di h Flipkart axis bank ne
Very bad credit card Flipkart axis Bank credit card
I have a CIBIL score of 828 and my annual salary is 10lakh plus. I was so shock to see my flipkart axis cc limit was 15k. Other banks cc gave me 1lakh plus credit limit at start. I called axis costumer care and they increased my limit to 80k on next month. Let’s see how much it increases after few months.
My Cibil score is 815 & have a ICICI Credit card with 190000. I applied for Flipkart axis bank credit card & provided the ICICI credit card statement. But was provided with 15000 limit. It's really shocking. I have a exports business & an annual income of more than 25 lakh.
Did axis customer care ask for income documents before increasing your limit ?????
@@akshaybaiju2914 yes… you have to give them last 3months salary slip or itr documents or bank statement for last 6 months.
@@akshaybaiju2914 they didn't asked me any income proof & I got 15,000 limit
I’m a student and turned 21 last year got my first Hdfc pre approved card 75k limit and flipkart axis bank cc with 1.67L limit last month, had a credit score of just 756😛
SIR, Flipkart credit card Offline/Shop main use kar sakte hai kya??
Plz sir Ans me.
haa. Like any other credit card.
💯% Question Solve Boss ❤❤ #india
Bhai mein 100% use krta hoon or meri credit card limit badha di gyi. Sbi mein 32,000 se 70000 or Axis bank ne 60000 se 90000 kr di hai pata nhi kyon jabki mera worst credit utilization hai. Ha mein time to time payment jaroor krta hoon.
hmm lagta hai hai bank ke mood pe depend krta hai.
Muje 3 yr ho gye sbi ka card use karte ho muje 10k limt mila or mane har doucomant diya ki mera limit increase kar diye but nhi kiya,, or mere bro ne 6 mouth pehle apply kiya tha card to usko first time ji limt 172k mila or 3 mouth bad ke 225k limit hogya , je baat nhi samj ata je chal kya reha,, mane fir asix bank main same time main or mere bro ne account open kiya or balance same despite kiya, usko bank credit Card offar krta or limit 175k limit deta or ek mouth baad 8 lakh ka parsonal loan offar karta,, muje kuj nhi mila,, je bank kya mere main kami dekh reha jiske chlte muje koi offer nhi mil reha te usko offar pe offer mil rhe🤔🤔🤔 ab to mane card close kar ke liye apply kar diya
all depends on bank mood nothing effective thats they truth when i apply first card i got 40k now i have mostly card with limit above 200k i
Nice information sir.. Thank you for sharing valuable experience
Sir Flipkart axis Bank credit card chahiye
Muje bhi
But abhi coming soon show ho Raha hai
@@ankitraj16851 apply it from axis website
Card par dipand karta he man lo filpkart axix credit card he ab 15k ki limit mili he to filpkart vale axix ko bolege ye kiya di he 15k me kiya lega ya fir mane 10k paise nikal liye to bank ko to extra paisa milega kon nhi chahega filpkart cahega jayda se jayda samn humse le axix chahega jayda se jayda credit card use kare
I always clear my due before bill generation so that my bill always comes 0 is that a problem? But the total transaction in the month before bill generation crosses 80 percent of my card limit! In that case my cbil will increase or decrease?
Yes it will count as the 80% utilization ratio.
@@CardsBanking ok sir thank you. Citi bank ie cards pe koi video baniaye na!
I was doing same with my SBI Gold credit card. My limit increased to 1,15,000 in 3 jump in 22 months. It's a very good idea.
I Guaranty CIBIL Score increases.
@@Hashit_tiwari how??
Utilisation Ratio count on Bill Generation, But recommended ye hai ki bill zero na kariye bill kuch na kuch aana chahiye....CIBIL ke liye bill payment count badh jayega.
Bhai badta kaisa hai ye bata na online agr bolna hi tha laptop samne rakhne ka matalb kya ye sab tho ham khud jante hai bewkuf hai bhai tu ekdam
Are bhai mere flipkart axis bank credit car l ki 15k 2021 me mila tha ab to income bhi bhad gayi par limit nahi bhad rahi hai cibil bhi achha hai
Sir mere sellry 50k hai
Hdfc mujhe 94k ki limit di 🤔🤔🤔
Toh jisko zarurat hai usko bilkul nahi denge.
Sir aapne sbi simply credit card ki baat to sahi boli mujhe bhi 15000 ki limit di thi ab 1 year baad unhone 55000 ki limit increase kari h
Sir Jankari aatcha laga isliye mera 4 years ho gaya limit nahi bada
*mein bhi 3,4 months ke liye cc use nhi karunga*
Sir maine bahut baar axis ka card apply kiya RBL ka paisa on demand card apply kiya aur video kyc bhi ho gya but card decline ho gya aisa kyu sir
SBI card never increase my limit though my salary is double now...
then request manually by visisting sbicard website. Submit salary slip they will consider then.
@@CardsBanking..... already done but rejected
Muze 15000 ka limit diya hai kaise badhaye limit
Yaar, mera vi FLIPKART AXIS BANK CREDIT CARD approved huya but limit 16000....
Kya mein active karu??? Ya back kar du bhai?
Your hairline looks like apple's notch 🗿🗿🗿
😄
Increase toh chodo axis toh card hi nhi bnne deta
Sir agar maine credit card limit ka 100% use kar ke koi cheez kharid kar... Bill generate se phle 70% Payments kar du to mera bill ayega 30% isse koi negative affect होता है kay??? 🤔
Please Reply do
Flipkart Axis credit card duniya ka sabse ghatiya credit card hai. Mere ko dusra card se 5lakh ka limit de rakhha hai. Aur abhi Flipkart Axis card pe 1 sal ho gaya tab se 50000 ka hi limit mila hua hai.
I got 1.6 lakh limit without income proof and physical verification and that too when i just turned 21 and then they approved second card too without any income proof of itr with different limit
How bro and which bank
@@cherrytechincreadible836 icici axis and HDFC
My Axis Bank credit card limit only 15000...Gareebo wali feeling aati he bhai
Haha. Mujhe SBI ke sath ye feeling aayi thi
I have axis bank filpkart credit card i have credit limit 20k can I shop above 20k ..
Don't do that always use 30% means 6000 only.
bhai mere ko sbi simply save pe 100k ki limit mili h pre approved card mila h bina koi score aur income ke
Fd pr hoga na bro reply please
Informative video...
Bhai kya aap bata skate ho, aap konsa camara use kar rahe hai
Plz...
2 years amazon pay card use kar raha hoon 36k limit... aajtak increase nahi hua
Mujhe bhi aise hua. Mera limit 50000 se 225000 kardiya 2 sal 3 months ke bat. Don't worry . Don't use your card for 2 months. You will get an increase
Mera 12 month me increase hua
Danda lekar jao bank manager ka sar fod do limit apne ap bhad jayegi😂😂
@@TechnoWide 😂😂😂
Meri to first time me hi 1 lakh limit agyi thi
मेरा limit। 50000 है। में काम use करता हु kay मेरा limit। kam हो जाएगा kay
Hdfc valo ne bola man lo apki limit 15k he to aap card me 5k rakho 10k kharch kar sakte ho or bank ye soch raha vo soch raha aisa kuch nhi koi human nhi bethe he ye sab computer software ka progarm jo bana rakha he vo alag alag logo ke hisab se tay karta he aap khud socho india me cr log he or cr ke pass credit card hoga to sabke bare me bank sochegi aisa kuch nhi hota.....mera cibil 769 experian 878 he to bhi filpkart axix credit card ki limit 15k mili he 50k month ki sallery he
Icici Bahut ghatiya hain 4 years limit automatic badha hi nahi Raha
Bhai mera 1 year me increase hua
Meri 6 month me 75k to 1.90 lakh ho gyi amazon pay icici credit card me
ITR 2 lakh 48 dikhya limit increase hoga...?abhi 15000 hai limit
Sir mere amazon pay card ko 14 months ho gaye hai. Abhi tk limit nhi badhi hai aur me toh 30% se jyada use bhi nhi krta aur time pe payment bhi krta hu. 1 2 bar 45% tak use kiya tha limit ko. Aur same time se mere pass bajaj platinum plus card hai uski bhi limit nhi badhi hai uski limit bhi same hi use krta hu. Kya issue ho skta hai? Pta nhi kyu limit nhi bdh rhi hai.
Apki current CIBIL score kya hai?
@@CardsBanking 769
@card banking What if we use almost limit for purchase in EMI? Is it ok to utilize maximum limit for EMI
No increament in cibil...
*No..it's not okay....use 1/3 of the card ...usse zyada use karoge toh usse ye saabit hoga ke aap udhaar par depend ho.....bank ye sab cheezon par gaur karke hi card ko upgrade karta hai..hope this helps*
bhai credit card me extra paise kaise add Karen pareshan ho gya koi to btayo
Maine 3 mahine mae 50000 ki limit ko 10 lkh mae kardi srf srf saving account mae 5lkh daal kae jaise limit badi sare paise nikaal liye😂
Bhai mere saare frnd pura ka pura limit khrch kr te hain tabhi unka limit puri badh gyi, m 30% hi krta hun mera bilkul nh badha
Bro meri salary 30k h and me ek fd lelu 6 month ke liye 30k ki than kitni limit mil skti h, Amazon pay icici credit card? Guide me sir
Bhai ye kuch nahi hota mere card kilimt 20000 hai our me to 5000 se jiyada kharch bhi nahi karta cibil bhi 760 se jiyada hai bil bhi time pe phir bhi limit nahi badhti 6 mahine ho geye
Bhai aapko 0% bi knowledge nhi h 30% use krne se bank ko jyada benifit hoga ya 70% use krne se
Utilization Ration = 30% of (Sum total of Credit Limit of All cards)
Are you sure of this information!?
I also think same!
@@adilzeya6801 bhai 1 lakh ke 5 card hai aapke pass manlo, to har card main 30 thousand spend karo .
Paying credit card bill before bill generation will it help in increasing credit limit
No brother..
I will suggest you pay at least 10 rupees after bill generation so card company report your payment history strong I mean 100%
@@sajibsarkar48 thanks bhai
Sir meko ek laptop lena h woh 60k ka h aur meri credit card limit 50k h agar me 60k deposit kardu lene se phele toh kya charges lagege
Great ur view about no utilisation to get offer limit
bhai mere pass sbi k do credit h 1st ki limit 60k h jo purana h 2nd ki 10k hi h bs..ab mujhe 60k ki limt new waale m kese merge kru..sbi card app m kon se optin m jaake krni pdegi...apply krte tym mene 1st se bdaa ni payi jbki option aaya tha...ab kese kru plz tell me....
1 dislike video me add aane ke liye
Bhai mera salary 60k hai kitna limit milega? With no cibil history?
Thank most of RUclips videos fack Or not complete information but your video is real and true
Thanks a lot Bro... I did same wrong things... I will change now...
Bro i have limit of 19k in flipkart axis bank and want to buy 40k laptop from flipkart. Can I pay advance 21k and book laptop to get 5% cash back??? And after buying I will pay back instantly the remaining 19k before bill generates
No. Earlier this way we can do but now almost all bank limited the purchase limit to given limit.
Salary 50k nd government job bank ne kbhi bhi offer nhi kiya
phir bhi credit card nhi mil rha due to cibil score pta n kyu down h....
किसी को एसबीआई कार्ड की लिमिट बढ़ाने का तरीका पता है क्या
Mera credit score 807 h or sbi walo ne 25k di h 🙄🙄🙄
Main 2 saal se flipkart ka card use kr rha hu 10% se upr bhut rare case me use kiya hoga, aaj tak bank ne limit nhi badhai.
Totally opposite after I had used 70 to 80% of credit limit automatically increase
Income tax aur credit card matlab jyada use karna credit card ka income tax kuch problem to nai hoga sir
Yes ho sakta hai. Agar aap income saal ki jo dikha rhe ho usse bahut jyada spend kr rhe hai card k jariye to queries aa sakti hai.
@@CardsBanking uske liye kya option hai dusraa kuch
Sur man lijiye maine is mahine koi saman 20000 ka emi pe liya hu mai ye janna chahta hu ki kya mai isi mahine agar 20000 payment kar diya credit card me to kya emi khatm ho jayegi aur me due clear ho jayega
SBI KHUD HI GARIB HAI
What if u take credit base on card to card at that case bank don't really care about salary. I have sbi simply click credit card it was applied by card to card my initial limit was 22k I kept a very high credit utilization ratio on that card with in 6 months got a increment to 55k. Still kept high utilization with in another 3 month limit increased to 1 lak . Bank works in strange ways 🤔 . One more thing i notice if credit utilization is high if u apply for a new card chances of getting higher credit increases
Thanks brother for sharing your experiance. My sbi simply click was made on card to card basis got just 19000 limit and i felt at that time it was insult for me as I maintain always 750+ CIBIL, at that i have Amex smart earn with 1.2Lkah limit but fir bhi SBI walo ne 19K ka diya. Mai bhi us samay 100%+ use kr ta rha but didn't got increase option. Jab use krna kafi km kr diya then got 19k to just 30K again it was insult for me. then i applied manually on the basis of ITR then got 66K. After few month got automatic for 1.25 lakh. So it's nothing fixed.
But in my case i observe same things with Axis flipkart and Amazon icici so shared those things in the video.
@@CardsBanking yeah sbi give really low limit at start. I have same experience with hdfc starting limit was only 15k after 2 years they increased to 30k. I rarely used this card. Mainly because of low limit. But amazon icici got 50k limit at starting with in 8 month they increase the limit to 2 lak. Its really a strange how bank behave 😄.
Very informative video. I have a query though - We often tend to spend for others through our credit cards. They are paying us via UPI. Can this practice attract ITR scrutiny/notice? Since, the expense of our friends and relatives is getting reported against our PAN cards and their UPI payments to us are not being reported in other sources of income. There could be a chance that someone's overall expenditure through credit alone becomes more than his annual income. If you can make a video to cover this that would be really helpful.
If total spends on Credit card exceeds 10 lakh then bank report to income tax. But if you can explain these that you are not earning anything instead you are helping your family members by giving your card then should not be an big issue. As generaly everyone do this. So they may consider
@@CardsBanking 10 lakh on 1 credit card or all?
Credit limit increase request dalne par cibil me dikhta he ya nahi please bataoo
very nice
10000 ki di he bob ne
Advance payment kya hota hai...please explain
Jaise pane apne 50K limite wale card pe 40K kharch kr liya. To apka utilization ratio 80% ho gya. Lekin apne bill genrate hone se pahle 40k jo kharch kiye the usme se 30K payment kr diya. Ab jab bill banega to apka sirf 10k ka banega. To bank ise 50k limite me se 10k spend count kregi and apka utilazation ratio 80% ke jagah sirf 20% ho jayega. Aise aap advance payment kr sakte hai aur apka credit score bhi improve hoga