Millennia Best approach to get a upgrade from Moneyback?

[Xposed]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

 

[vaibhav111]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

Bro I had moneyback issued in 2014 to 2020 initial limit 40k to 10 lakhs without upgrade until covid when my account variant upgrade to imperia banking through invite and then after 1 year got infinia upgrade And my dad also have this card issue in 2022 I believe his limit is around 2.60 to 2.80 lakhs

 

[SSV]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

Close the card first

 

[Akashn]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

If your limit is 1L+ then send email to Grievance.Redressalcc@hdfcbank.com and ask for millennia upgrade

 

[vaibhav111]

Close the card first

You sure My dad did the same cause he didn't used it in 2018 closed and applied back through offline hdfc agent and received same card variant his he only 4 cc. Out of 2 are amex and 1 citi and one hdfc.

 

[varun__goel_]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

Mail to hdfc, compare it to sbi dc which gives 0.25%, a little bit disrespect and ask for the card you want, depending upon your limit. They will aggree to give it. Tried and tested for freedom cc😭🤣, but I refused as they wanted cibil enquiry as well as income docs

 

[SSV]

You sure My dad did the same cause he didn't used it in 2018 closed and applied back through offline hdfc agent and received same card variant his he only 4 cc. Out of 2 are amex and 1 citi and one hdfc.

Yes , I am very sure about it

 

[Xposed]

Close the card first

Can do that, how to proceed after that, please provide a plan guruji

If your limit is 1L+ then send email to Grievance.Redressalcc@hdfcbank.com and ask for millennia upgrade

48k here 😔

 

[AritraSaha]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

Moneyback usually give upgrade & LE within 10years😁

Two options
1. Ask branch to upgrade.. then will usually do it in exchange of fd & stuff. Can try before the fiscal year end( feb - March)

2. Close the card (If your not using it) & 90 days after apply.

 

[SSV]

Hello, as the title suggests, I want to pick your brains on how to get an upgrade from Money back to any other card from HDFC

First of all, I would like to apologise everyone for opting for This cursed product, please cut me some slack considering the fact that it was my first credit card ever and I was over the moon on getting it

It has been using since April 2022. I hold this card and have never been offered any kind of upgrade or limit enhancement on the same.

I would like to invite suggestions on what could be the best approach for getting an upgrade or limit enhancement from this product

Inviting the usual culprits here @Shubham Yadav @AritraSaha @S S V @Quantum @Walter White @4uziaul

It would be helpful for everyone if you give more details about your current mb details such as spends, current CL etc
and also other cc portfolio details and income range etc CIBIL score etc
All this gives overall picture about your credit profile and helps others to give you suggestions..

Just I have MB ,how to upgrade does not work..

 

[Xposed]

Close the card wait for better offer. Takes time though.

How much time?

 

[varun__goel_]

How much time?

If you want millennia with min 1L limit, then min around 7-8 months

 

[AritraSaha]

How much time?

3 - 6 months.
Bm or rm can get you faster though.

 

[Akashn]

How much time?

5+ months. Keep using DC and maintain good balance meanwhile

 

[AritraSaha]

5+ months. Keep using DC and maintain good balance meanwhile

Just about to tag you..
Share your story 😉

 

[Xposed]

It would be helpful for everyone if you give more details about your current mb details such as spends, current CL etc
and also other cc portfolio details and income range etc CIBIL score etc
All this gives overall picture about your credit profile and helps others to give you suggestions..

Just I have MB ,how to upgrade does not work..

This is from the other thread that I posted:

I have

• SBI SC CC
• HDFC Swiggy
• HDFC MB+
• Axis MYZONE
• ICICI CORAL
• ICICI APAY
• ICICI PLATINUM

I want to ask learned friends whether my decision to close HDFC Swiggy is good or not, as it is the only paid card i have and all others are LTF

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

Tagging for help @S S V @pprakash11 @Pothi @Walter White @Shubham Yadav @raghu.rokda

CL Is 48k
Spent around 3L till now on this card till now

 

[AritraSaha]

This is from the other thread that I posted:

CL Is 48k
Spent around 3L till now on this card till now

Close mb then...
Ask branch to apply next year.. feb March.

 

[Xposed]

I am student, will they get it done with no income proof?

 

[Akashn]

Just about to tag you..
Share your story 😉

I closed my card last month.. I'll tell my story 5 months later 😂

 

[Xposed]

5+ months. Keep using DC and maintain good balance meanwhile

Mine is a 5K MAB ,will 70k work as balance