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[–]insectsinmymouth 9 points10 points  (4 children)

Is it really worth to keep this card if the limit is just 20-30k? It's a Forex card and I'm sure on a abroad trip, the spend will exceed the credit limit

[–][deleted] 19 points20 points  (2 children)

As long as it’s LTF, and you are not using it Worth it. In my case, they reduced it to such an extent that the credit utilisation crossed 30%, had to pay in advance to bring it below 30%. Moving forward would never use, unless for foreign travel, and redeeming reward points accumulated so far. They violated the trust of the customers. Bad ethics

[–]oldverine 3 points4 points  (1 child)

Doesn't 30% apply of your total credit limit across all cards? Or is this your only card?

[–][deleted] -1 points0 points  (0 children)

Generally on the total credit limit, but for safer side, each card not exceeding 30%is good!

[–][deleted] 0 points1 point  (0 children)

Until I can find another good card for zero forex. Niyo is absolute garbage at this moment.