Offering low credit limit

[u/Oldmonk_30]

Hi everyone,

My CIBIL score is 778, and I've held it steady for the past year. I missed some education loan payments in 2022 when I was jobless, but otherwise I've paid 208 of 215 payments on time.

Every time I apply for a new credit card, I get approved for less than 70k, even after submitting a salary slip showing over 1 lakh per month.

My current limits:

Axis Neo + Flipkart: 35k

RBL: 55k

Kotak: 56k

These guys do not approve my limit to increase requests.

How can I get better limits, ideally 1.5 to 3 lakh per card?

Would moving my salary account help?

Any tips from people who've been through this would be great.

Thanks

[u/ganesshah]

Use kotak card regularly they will increase limit frequently

Also try getting a card from icici they provide good limits and upon regular usage limits will be increased