They are the only bank in India which believes in me enough to give me a credit card.

I got a call today and the dude said that I have been an outstanding customer and they were offering me two things.

One was a pre-approved loan which I was obviously not interested in.

The other was a massive boost in the Credit Limit of my card. I asked for any hidden charges. He responded that Citibank does not do that and there are no charges.

I was still skeptical but went ahead. Told him to do the needful. I should now have a rather pleasing credit limit on my credit card.