u/BhokilaKukura

I genuinely don’t understand how banks decide credit card limits anymore.

Never missed a payment, CIBIL is now 800+, and I use all my cards regularly (SBI Cashback, Amazon Pay ICICI, AU Ixigo, IDFC Millennia, Kiwi)… yet every limit is still below ₹3L.

What’s even more confusing is seeing people around me (same salary) getting ₹8L+ limits with lower scores 😭

My CIBIL crossed 800 recently after taking HL, but card limits still haven’t moved at all.

Now I’m planning to apply for HDFC Regalia Gold or something similar. What actually helps in getting higher limits?

“DANGER: ERECTION IN PROGRESS”

I’m convinced the engineer knew exactly what they were doing here 😭

One board. Pure double meaning. Zero innocence.

ICICI Platinum Credit Card.

Name a worse card. I’ll wait.

Rewards? Minimal. Cashback? 0. Benefits? 0. Lifestyle? 0.

Unless it’s your first card… it’s basically good for nothing.

If you know something worse, please humble me. I’m ready. 😌