Hi all,
I have been following the Technofino community for a while now and found many of the posts to be very insightful and useful, hence decided to post here.
I have been using credit cards for quite a while (10 to 12yrs), but have not paid attention to any of their upgrades etc.
Now, i would like some advise on the below.
I had a unconditional LTF Regalia credit card in 2015 with limit of 6L. That card got deactivated and closed in Oct-2017 due to non usage for 6 months and without HDFC sending me any reminder or warning that they will close the card if not used. I wrote back to priority / customer care etc, all useless. They issued me a fresh LTF Regalia First card (downgrade) in Nov-2017 after a lot of emails going back and forth with a limit of 40K. I threatened to close the card, they were ok with that and even gave me the process to close it. I however kept the card and asked for a limit increase and gradually built a higher limit. Today i have a limit of 9L on that Regalia First Card.
During these years from 2017 till 2023, i have primarily used that card (i also have a spend based Citibank Rewards card with 1.9L, LTF HSBC Platinium Credit Card (1.5L) and i closed my spend based SCC Manhattan with 3L in 2020). I have been getting upgrade emails for MILLENNIA CARD, which i do not want. Last year in Sep-2022 i received a spend based upgrade to Regalia, but i would loose my LTF Regalia First card if i took that spend based Regalia card.
The advise i seek is, is there a way for me to get Regalia Gold LTF, not spend based, or any other higher variant cards LTF eg DCB, Magnus etc based on my current Regalia First (9L limit), Citibank Card (1.9L limit) and HSBC Platimium (1.5L)?
I have saving accounts with HDFC and salary account with Axis. Salary slip does not show 1Lac per month but ITR is around 12Lac. I would prefer LTF card, since i am not bound to the use the card and meet the spend milestones.
Any advise is appreciated, Thanks.
I have been following the Technofino community for a while now and found many of the posts to be very insightful and useful, hence decided to post here.
I have been using credit cards for quite a while (10 to 12yrs), but have not paid attention to any of their upgrades etc.
Now, i would like some advise on the below.
I had a unconditional LTF Regalia credit card in 2015 with limit of 6L. That card got deactivated and closed in Oct-2017 due to non usage for 6 months and without HDFC sending me any reminder or warning that they will close the card if not used. I wrote back to priority / customer care etc, all useless. They issued me a fresh LTF Regalia First card (downgrade) in Nov-2017 after a lot of emails going back and forth with a limit of 40K. I threatened to close the card, they were ok with that and even gave me the process to close it. I however kept the card and asked for a limit increase and gradually built a higher limit. Today i have a limit of 9L on that Regalia First Card.
During these years from 2017 till 2023, i have primarily used that card (i also have a spend based Citibank Rewards card with 1.9L, LTF HSBC Platinium Credit Card (1.5L) and i closed my spend based SCC Manhattan with 3L in 2020). I have been getting upgrade emails for MILLENNIA CARD, which i do not want. Last year in Sep-2022 i received a spend based upgrade to Regalia, but i would loose my LTF Regalia First card if i took that spend based Regalia card.
The advise i seek is, is there a way for me to get Regalia Gold LTF, not spend based, or any other higher variant cards LTF eg DCB, Magnus etc based on my current Regalia First (9L limit), Citibank Card (1.9L limit) and HSBC Platimium (1.5L)?
I have saving accounts with HDFC and salary account with Axis. Salary slip does not show 1Lac per month but ITR is around 12Lac. I would prefer LTF card, since i am not bound to the use the card and meet the spend milestones.
Any advise is appreciated, Thanks.
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