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i have millenia cc. and also sbi vistara prime + its priority pass. i do international travel so need international lounges. should i upgrade to regalia or hold on to the same ? as regalia has low markup and more int lounge than sbi card prime. kindly help me to make a decision that what would...

I did apply for a cc in December 2021 in branch but even after a month i did not get any receipt of application confirmation. neither it was trackable online. so frustrated that i applied online on 29th December ,but {I think as i did not have any account with them} they straight away rejected...