My modest credit portfolio
Unsecured CC:
HDFC Diners Club Black LTF
HDFC Tata Neu Infinity Rupay LTF
Axis Magnus
Axis Air Vistara Infinite
Axis Samsung Infinite
ICICI Sapphiro Mastercard LTF
ICICI Sapphiro Amex LTF
ICICI Platinum Mastercard LTF
ICICI Makemytrip Visa Signature LTF
ICICI APAY LTF
KOTAK White LTF
Kotak Myntra FYF
SBI Cashback FYF
SBI BPCL Octane
Amex Platinum Travel FYF
Amex Gold Charge Card
Bank of Baroda Premier Rupay LTF
Onecard LTF (BOB issued)
RBL Bank World Safari Card LTF
IDBI Royal Signature Card LTF
Indusind Legend LTF
Indusind Eazydiner FYF
IDFC First Select LTF
Citi Indian Oil Card (Oldest card account also)
PNB Global Classic Visa LTF
AU SF LIT LTF
YES Bank First Exclusive Card
Secured CC:
IDFC First WOW LTF
Niyo Global LTF
Gild LTF
Paisabazaar Stepup LTF
Credit lines:
Paisabazaar IDFC
IND Money Credit Saison
Kotak Overdraft
IDFC First money
Slice
Paylater:
Flipkart
Amazon
Paytm Postpaid
EMI cards:
Bajaj finserv EMI card
IDFC EMI card
Bajaj finserv health network card
Cibil: 794
Experian: 817
Highmark: 736
Equinox: 721
Loans:
Education loan
Car loan
House loan (Now settled)
Closed cards:
HSBC Platinum
Citi Rewards
PNB Gold
SBI Elite
RBL Zomato
RBL Shoprite
Axis Samsung Signature
HDFC Regalia
PNB Platinum Rupay
Axis Privilege
Rejected applications:
Axis Indian Oil
Kotak Indian Oil
Federal Bank Celesta
Standard Chartered Ultimate
Axis Myzone
Scapia
Kiwi
HDFC Regalia Gold
HDFC Millennia
HDFC Shopperstop LTF
HSBC Rewards
Amex MRCC
IDFC Power Plus
ICICI Coral HPCL
HDFC Indian Oil
SBI Air India Signature
SBI Paytm Signature
SBI Ola
Airtel Axis
Citi Premiermiles
Credit depth: 11 years
Enquiries last year: 50
Now targeting HDFC Infinia, Amex Gold upgrade to Platinum charge with 125k bonus points, StanC Ultimate, Federal Celesta or Scapia, Uni NXwave, HSBC Rewards, Axis or Kotak Indian Oil, SBI Air India Signature, ICICI Coral HPCL, IDFC Select upgrade to Wealth, BOB Eterna LTF, AU LIT LTF to Zenith LTF, Axis Magnus Paid to LTF, Yes Bank First Exclusive paid to LTF, Axis Ace, HDFC Apple cobranded, HDFC Swiggy but hard to come by or getting rejected repeatedly. 😬
Also targeting credit limit increase on ICICI cards, IDFC and SBI Cashback to no avail.
Highest approved limit on any single card: 8 Lakhs (Except the Amex Gold Charge card)
Minimum limit 20k on SBI Cashback which is ridiculous.
Any advice most welcome in getting above cards/upgrades.
Also suggest where shall I move my spends to in the light of Magnus devaluation. Also looking forward to convert my Samsung Infinite card to some other Axis card, suggestions?
