ALL CREDIT CARD PORTFOLIO OF MINE

[kunalcc]

I have 7 credit cards. I have built credit card portfolio mentioned below for all my spends. I have good credit score and 6 cards are Lifetime free. Do I need any more credit card to make my portfolio stronger?

 

[vaibhav111vaibhav111 is verified member.]

I have 7 credit cards. I have built credit card portfolio mentioned below for all my spends. I have good credit score and 6 cards are Lifetime free. Do I need any more credit card to make my portfolio stronger?

1. SBI Cashback, LTF - for all online spends.
2. AXIS Airtel - for utility bills, food delivery and grocery.
3. IDFC Select, LTF -for BOGO movie offer and lounge access.
4. Federal Scapia, LTF - for lounge access and offline spends.
5. HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge access.
6. ICICI Amazon, LTF - for instant discount offer on ICICI.
7. YES SELECT, LTF - 3rd class credit card but oldest card.

spend monthly/yearly are? and do you prefer GV in shopping? need to know where you spend at offline/online?

 

[kunalcc]

my spends monthly is 10 to 15k. Sometimes I travel than 20k. I get 5% on amazon gift card using SBI. I spends mostly on online

 

[vaibhav111vaibhav111 is verified member.]

my spends monthly is 10 to 15k. Sometimes I travel than 20k. I get 5% on amazon gift card using SBI. I spends mostly on online

ok. then SBI CB is enough mostly. people do add more card for the sake of offer. so annual is 2,40,000 so you can other cc. and do share limit too,so we might give option of LTF/FYF cards.

 

[kunalcc]

my total credit limit on all cards is 6.5 lakhs, SBI limit 1.35 lakhs

 

[kunalcc]

Hey guys, I tried for BOB Eterna card, but offered me stupid BOB Premier instead

I also tried for AU LIT card, however its not available in my pin code

I didn't apply any card, but BOB and AU Bank has done CIBIL hard enquiry on first page of application, even if application not submitted.

Should I complain to RBI ?

 

[pscking]

I have 7 credit cards. I have built credit card portfolio mentioned below for all my spends. I have good credit score and 6 cards are Lifetime free. Do I need any more credit card to make my portfolio stronger?

1. SBI Cashback, LTF - for all online spends.
2. AXIS Airtel - for utility bills, food delivery and grocery.
3. IDFC Select, LTF - for BOGO movie offer and lounge access.
4. Federal Scapia, LTF - for lounge access and offline spends.
5. HDFC Tata neu plus, LTF - for Rupay UPI spends and lounge access.
6. ICICI Amazon, LTF - for instant discount offer on ICICI.
7. YES BANK SELECT, LTF - 3rd class credit card but oldest card.

How did you get SBI cashback LTF?