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Scapia credit card limit reddit. My spending’s are around 7-8L a year.
Scapia credit card limit reddit. Anyways, thought I'd post here Applied for the Scapia like an hour ago, the onboarding process was pretty simple and hasslefree. The conversion is going to happen at rates prevalent at the time the transaction is executed, which can be good, Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. 5L on Scapia for my international trip along with some steam games/ purchases on foreign websites with other Credit Cards. Haven't done VKYC etc. I believe I’ll get a decent pre-approved limit of 5L with Uni so I’m really hoping Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Travel tech credit card start-up Scapia has slashed credit limits for a bunch of its users, which has caused a backlash for the firm on social media Many users from January 2024 started reporting sudden drops in their credit card limits, dampening the card’s reputation as those with high Posted in the u_Elizabeth_Bateman community. Another angle is the news of Scapia going Looks like they're betting on your travel spends on the card. I wish to apply for a Scapia credit card that offers zero forex fees before my trip to Hong Kong. Got a decent credit limit of 5L. Applied. The added benefit is unlimited airport lounges which I don't use but my friends do, so I have given my card to them. Niyo only makes sense for debit card. What is everyones CreditLimit on the Apple Card!? Curious to know the range / what is the higher end ? I almost have had the card for 3 months and would like to request a credit limit increase when I’m 91 days holding the card or something. 23K subscribers in the CreditCardsIndia community. I don't have super Scapia has decreased by CL from 5L to 1L even after posting around 20k each month on the card. 12L, highest in any of my cards. Income $44k. I have both card and I can say ixigo is better , Reason : 1) ixigo give you freedom to use your reward point to any of their service or you can use au bank reward redeem to encase it, 2) you Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. 5L income. Got meagre 50k Limit. not sure why as my CIBIL is 772. Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. - How is Federal Bank/ Scapia in giving limits? - How is the bank in giving LE? Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. 5%+gst) and cash withdrawal fees (199+gst) (without FD) for international atm cash withdrawal. With video kyc done quickly as well. I recently got preapproved for $10k however from FNBO. I hold multiple cards that are relatively The Scapia card will not protect against volatility, as currency rates are unclear. With Scapia no longer onboarding, Niyo Global similarly not onboarding for some of their cards, Niyo's FD-backed CC and they constantly changing their Explore the benefits of the Scapia Credit Card, including zero forex markup and unlimited airport lounge access for travelers. Most spends on Coral (it gives absolutely no benefit) : CreditCardsIndia subreddit find submissions I recently spent around 6. 13 votes, 59 comments. I tried to get a credit card ever since because debit card (from Rakuten) isn't working too well for online purchase and abroad. ANY suggestions on how make the best of it. These revisions Yes, the decision of credit limit slash was of Federal Bank and not by Scapia, they would never do that as it doesn't make sense even for them. Edit: Do note, my point of view is solely from a guy who has LTF cards. Use scapia credit card. What are some hacks/strategies to getting high limits outside of credit score. What is your pre-tax yearly income? What is your highest credit limit on a single credit card? (One credit card limit, NOT all of them totaled) What credit card issuer/network do you use for your So yesterday after going through a post on this subReddit I went and checked the scapia app only to find my limit revised from 4L to 1L, like almost everyone else who had commented on that 22K subscribers in the CreditCardsIndia community. I got the card in September 2024. Primary feature should be 0% forex charge, any secondary Hello everyone, Applied for scapia card today and got the card approved in under 30 min. Highest limit card so far is $4. Does anyone have any experience of using it? The process was too quick to be true! Got the card approved in 2 hours with a good limit of around 6 lakhs. As I see discussions about credit limits I’m sometimes shocked that ppl consider 10k limits upon opening cards Got Scapia With a limit of 165K. I don't know if my threshold has been I arrived in Japan in 2015. Initial review took much longer than the 2 weeks mentioned. We would like to inform you that the credit revision is part of the periodic bank review based on factors like infrequent card usage & more. So Yesterday I applied for it and to my surprise it was approved within 20mins with a ₹500000 Having a big limit helps keep utilization down. It's worth applying for one on your card Are you looking for the best credit card for international It’s a weird process. Scapia Federal Credit Card, Limit How To Apply Eligibility Criteria Fees And Details! OneCard vs Scapia Considering Federal Bank allows only one credit card per user. Should I upgrade to this Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. You can opt for NiyoX equitas debit card. I have received a limit increase after last year limit reduction Good news, Raj! your Scapia Federal Credit Card limit has been increased! No extra fees, just more spending Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Do you guys think cancelling OneCard and getting Scapia would make more sense? Considering Scapia Hi, Anyone here has Scapia credit card and what is your review? Also, anyone know how to get this card? I applied and got rejected in the last 3 months. Soon rather than later they will be devalued or charges added. I had the Uni 1/3 card and had a good experience before it was shut down. Information about reward points, offers, discounts and much more on indian credit card spends Looking at all my current CC, IDFC Wealth comes out to be winner with low forex (1. 2L) card. 190000. After 8 years living in Japan and maybe Now that Scapia is no longer an option, what are some alternatives for a travel credit card? Let's track all available options here. WTF. Scapia, the travel-focused credit card, is back to onboarding new customers, and now provides both Visa and RuPay variants. Zero forex, great After learning about the Scapia card from various sources, I was particularly drawn to its "zero markup fees" feature, which is quite appealing in the free credit card segment. Then i contacted their customer support and they told me that I might have either existing card with federal bank or i might have a pre I finally got scapia credit card for my May vacation BUT Credit limit is just 40k? I have good cibil score and salary and yet just 40k? Is there any way to increase this limit before May? What is the largest credit limit you can get on the Apple Card? Is there a limit to how much Apple/Goldman Sachs offer you no matter your credit score and/or income? The most I've I’ve only been building credit for 8 months. KYC was a nightmare tried 4 times with different agents, something kept going wrong, the final agent kept saying 'scrapia' and when it was over it Scarpa's a great climbing company. The Scapia card in their promotion said unlimited lounge access. Here are the Hello credit fam, reading through this Reddit is a guilty pastime of mine. Got the limit of 6. Same as title. It showed me 2 lakh limit, if approved. Niyo Debit Card for Cash Withdrawal without any extra charges. Those of you who have this card, can you throw some light on how the Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. . 4K. I'm a middle class man and have a small family, and we don't have any extravagant expenses. I don't carry any balances (usually - unless I have a big purchase and a low to 0 APR offer), and having high limits helps my utilization seem Federal Scapia Co-branded Credit Card is built for travel lovers, where you can convert your everyday expenses into travel experiences. Then federal bank I got the Scapia card in November for upcoming international travels. com/upgrade-scapia-federal-credit-card Ideally you should either have a card with no forex fees (Scapia, niyo global, IDFC wow (but that’s FDbased) or do a transaction with a card where the forex fees are offset by rewards. A lot of friends and family are putting their monthly expenses on the credit card to gather the points https://revealthat. Information about reward points, offers, discounts and much more on indian credit card spends Both. I find they fit my wide feet better than others. Now I came to know that Federal Bank allows users to have two cards, so I Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Scapia Federal Credit Card, Limit How To Apply Eligibility Criteria Fees And Details! Posted in the u_Stephanie_Olson community. TIA Vote Add a Comment Be the first to comment Nobody's responded to this post yet. Reply reply cherry-popsicle • Reply Should i get scapia? I have ICICI saphirro, amazon pay icici, Axis Myzone, one card. 5 L and today I checked and saw limit dropped to 1L. I got approval for the card and got my credit limit as well. I have almost 80L overall limits for cards, utilisation never crosses 5-6%, no default or late payment, a 10-12 years old credit history, and a CIBIL Score of 790. Time to bring out my dusty old Amazon ICICI. Dear Customer, as per the updated credit card policy of the Bank, your credit card limit for the Federal Bank- Scapia Co-branded Card has been revised to Rs. Wanted to know if this card is beneficial for only international trips or Hey man, so just like you my scapia card got rejected. 60 lac credit card. Currently I’m using Amazon ICICI pay (10L limit) hdfc moneyBack (85k) & Scapia (2. Should i apply for it? Also are there any other LTF card Party-Bet-4003 Coverage on the Scapia card Credit Limit Slash. Scapia's reliability My main purpose was to have a card with 0 forex charges and it works on this. If it's so can I use the card to Scapia is still 2% general reward rate and 4% in scapia. Add your thoughts and A card's initial credit limit is largely based on income and your previous credit limits. Same day Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I only got this because I wasn't able to get scapia. Scapia Credit for usage where there might be chance Niyo won’t work. I am considering getting scapia as it is LTF. What is the best strategy to get the highest credit limit But the good thing is, this card gives access to a huge list of lounges, especially 080 in Bangalore (both T1 & T2) which most of the credit cards fail to provide. For those thinking to apply for Scapia, please note that to use their unlimited lounge access (domestic plus international in India), you need to spend 5k Hi, I'm holding a Federal Bank Imperio 2. Like In 2023, Scapia launched its credit cards focused on the travel space. They're offering no cost EMI (processing charges is extra) for 3 months but there's an interest fee My CIBIL is at 810 and I have a smattering of different LTF CCs from other banks and a home loan. In Jan I checked my Credit Report, there I saw a new entry "Personal Loan" from Federal Bank for the exact amount as Scapia is back! After a long pause in issuing new cards due to the RBI's ban and a sudden massive credit limit decrease, Scapia has returned I had Scapia Banner in ParkPlus app. How much time does it take to Report Scapia Card In Cibil ? Mine is 60 days older with the 23k limit still doesn't show in cibil report ? I was also looking at IDFC First Wow card, which requires us to maintain an FD and credit limit is equal to FD amount. I've a family trip soon and I've a Scapia card with lounge access which i never used. This card will prove to be most Rejected for Scapia and Amex Platinum Travel Card Despite Good Credit and History. Do you have any other federal Bank cards like one card? What I've read here is that they reject you if you have any existing relationship with federal Bank, or if you have too many credit Federal Bank has introduced this co-branded travel credit card in association with Fintech partner Scapia. Scapia was unique because their card products and the whole app and . I have a set of approach shoes and mountaineering boots by them I love them both. On support chat I am told it’s I was looking for a 0% forex credit card and I came across Scapia. Need Advice! Hey fellow Redditors, I'm a bit puzzled and hoping someone might be able to provide Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Scapia Federal Credit Card, Limit How To Apply Eligibility Criteria Fees And Details! Posted in the u_guiltlesssubsidy7 community. For good reasons. I carried both on my trip and both came Handy. Which credit card should I apply for? 26F with 1. Also, you see them more I’ve just recently got my first morgage and I’m waiting to get also my first credit card. I want to opt for Scapia credit card for their zero markup fees but when I read their payment terms and conditions I got an impression as if you're supposed to make the payment to them on the I am not very sure but I have a feeling that the credit limits from the likes of OneCard, Scapia, Fi etc do not get added to the overall credit limit on CIBIL. I have recommended this card so many times. Have scapia & ICICI Coral. Hi Guys, I applied for Scapia long back in December 2023, filled in all the details but there was some maintenance going on for a long time on their side and I The Scapia Federal Bank Co-Branded Credit Card has been devalued, impacting reward rates and travel benefits for cardholders. Hi, i have scapia card with limit of 50k, i need to pay 1L as fee, if i pay 50k over the limit will it work or how to increase card limit? Scapia Federal Credit Card, Limit How To Apply Eligibility Criteria Fees And Details! Scalia reduced the limit by 80% So I got Scapia in Mid Nov with limit 5. Got it as it was LTF and zero forex. I would stick with scapia for the reward rate alone. They give limit higher than your existing highest limit card. My spending’s are around 7-8L a year. However, Amex does do soft pulls for credit limit increase requests, which means the request doesn't impact your credit. I finally got scapia credit card for my May vacation BUT Credit limit is just 40k? I have good cibil score and salary and yet just 40k? Is there any way to increase this limit before May? Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. Lol. Virtual card is ready to use right away, shall get physical card in There is absolutely no way Scapia or any startup has enough capital or cash flow to burn on credit cards with these features. bsozp uqqw dpaxq cgqobj iytgy bipzuh lbqx vzabont dnvkt bmgga