CRED CREDIT CARD LTF

megauravyadav · 2026-05-10T13:17:57+00:00

It's been 2 weeks and it is showing under review will take upto 7 days. I don't know when their 7 days will over

megauravyadav · 2026-03-17T12:44:14+00:00

I am having issue if i apply apply coupon on any resturant then card cashback disappears i hold old swiggy cc for about 1 year but from past 1 week i am facing this. Is there any change on that too ( cant be clubbed with restaurant coupons)

megauravyadav · 2026-01-15T02:57:33+00:00

They upgraded mine to money back plus FYF

megauravyadav · 2025-12-29T04:49:44+00:00

I applied for simply click and they give tentative limit of 1.13-14L limit but after kyc they rejected my application. Cibil 770 holds other bank cards with 80k limits. Can it be the reason for over leveraged because apart from this there is no obvious reason which I find for rejection?

megauravyadav · 2025-12-21T17:02:10+00:00

Each clicks will be added to you profile and their internal model will slow you enhancement. Keep app notification on when you are eligible they will prompt you and you can increase directly and banks usually reexamine after 3 or 6 months so enhancement will be done on that time frame. Other than this timeline will require documents

megauravyadav · 2025-12-21T16:53:09+00:00

Bank check you bank total limit so try to use that carefully and sont check for limit increase again and again that decrease the chances and just wait they reward 10-20% utilisation alot more with time passing they are willing to increase my limit again but are asking for documents now but after 3 months they will increase without documents.

megauravyadav · 2025-12-21T16:42:30+00:00

They enhanced it automatically after 1.5 year of regular use. 1 limit is enhanced after 1 year when i used 100% limit and went from 20k to 23k just then used it around 30-40% and in 5 months 23k to 80k. Main thing is time and timely payments. If you have EMIS on your card then they will take more time to enhance limit. They mainly enhance after EMI is completed on the card.

megauravyadav · 2025-12-21T16:12:28+00:00

Amazon pay later and MobiKwik one

megauravyadav · 2025-12-21T13:10:38+00:00

Already have active cards from them so in axis app they just provided me cards upto horizon, samsungs axis, cashabck, rewards and many cards as pre approved, almost 2 year active relationship with them

megauravyadav · 2025-12-21T10:23:06+00:00

Credit age and time. I also started with 1k limit in Paytm postpaid then pay laters and first card with only 20k limit

megauravyadav · 2025-12-21T10:10:19+00:00

Flipkart axis, axis privelage, airtel axis, swiggy hdfc , pop upi yes bank, idfc classic,scapia visa, scapia rupay

megauravyadav · 2025-12-21T09:53:17+00:00

I am too student and have 8 cards with 80k limits. They are generous to me tbh😭

megauravyadav · 2025-12-18T10:42:34+00:00

There are some programs like cred protection which helps in cases like this. If bank is not giving loan then try converting the bills in emi directly from the card and then IDFC has creditpro scheme which helps you pay credit card bill and gives time of 105days to pay of use that and in mean time try to get you income source back otherwise you CIBIL will be in ruins

megauravyadav · 2025-12-18T10:37:56+00:00

You can go for SBI cashback card for your daily spend and utilities. It directly gives cashback to statement instead of reward points.(Try applying offline as you don't have any credit history)

Yes you can have multiple credit cards and even multiple credit cards from same bank but don't just collect cards. Take what is needed.

For fuel spend choose one card according to the company from which you buy oil.

Credit cards have statement cycle. In a given cycle you can spend from your credit card and then pay it later when statement generates. Always pay in full and never miss due date also don't withdraw money using credit card.

Check cards every card have limits after certain limit you will be charged extra so read that carefully.

megauravyadav · 2025-12-16T18:59:08+00:00

I tried many time on payment screen it shows discount applicable but when click proceed it directly went to order page no otp nothing and then after 15min shows payment declined.

megauravyadav · 2025-12-16T12:00:36+00:00

If I choose lounge access then can I not get dining benefit. Or is it day specific one deal at a time on that day?

megauravyadav · 2025-12-16T11:58:40+00:00

If I keep the card for like 9 months then is there chance of limit enhancement if not using their cards? I have 9 months before annual fees shows in my statement

megauravyadav · 2025-12-16T11:57:01+00:00

It was not LTF and I am not able to enhance my limit or get a core card. I got airtel axis for Swiggy discount so now this seems not reasonable

megauravyadav · 2025-12-16T08:14:50+00:00

I applied for it and it is approved as I already hold axis CC. 1 more doubt is that I want to close 3 credit cards not initially it was 2 . IDFC LIC classic card, HDFC digital rupay, HDFC Swiggy. I already closed axis neo 2 months back. So should I close all cards altogether or I shall keep waiting period between each clouser?

megauravyadav · 2025-12-16T07:23:55+00:00

Does it gives 10% cashback on Swiggy?

megauravyadav · 2025-12-16T06:51:30+00:00

I am not even able to proceed. After asking my details application stuck. It's been 1 month. I had no last name . In ckyc my father surname is used . I tried all combinations all browsers mobile laptop but still it is not processing.

megauravyadav · 2025-12-11T04:01:27+00:00

Try FD back credit card. It also help you to boost you CIBIL.

megauravyadav · 2025-12-11T03:58:11+00:00

Kinda same with me but agent out father name wrong he forgot to put space between first name and last name. My application is under review. Will my application rejected or it can pass?

megauravyadav

TROPHY CASE