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

 

[dhiraz]

If you are happy with limit then apply otherwise wait 😁

1L is Good 😁

 

[dhiraz]

They are asking

 

[NShah]

They are asking

Saving account/Salary account open karte time Jo work details di thi wo fill Karo

 

[dhiraz]

Saving account/Salary account open karte time Jo work details di thi wo fill Karo

Opened as Self Employed But Changed the Profile to Salaried for Getting Millennia Card as Pre-Approved Offer

 

[Deleted member 21942]

Opened as Self Employed But Changed the Profile to Salaried for Getting Millennia Card as Pre-Approved Offer

What were the charges mentioned at the time of card selection..... Was it mentioned as 0?

 

[dhiraz]

What were the charges mentioned at the time of card selection..... Was it mentioned as 0?

No!
Not Lifetime Free
Conditional LTF

 

[Deleted member 21942]

No!
Not Lifetime Free
Conditional LTF

For me I got Regalia Gold as LTF with the same method. Although, below the condition was mentioned that charges will be waived off on Rs 4 lacs annual spends. However, Annual/Renewal Fees were striked as 0. After card approval, got confirmation on email that it is an unconditional LTF card.

 

[Pack_of_Cards]

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

Well woke up today to my surprise, couldn't believe my eyes got upgraded from moneyback to Diners club privilege, rubbed my eyes again yes it was an upgrade. So after almost waiting for 2 years for upgrade got only limit enhancement from 96K to 1.27L, no upgrade. Sent the Salary slip, C4C doc, account statement and a threat letter to Ultra Legendary Chennai (bombarding that will be closing the account as well as home loan) office on 11 Dec 2023, resulted in fruitful attempt.
So first battle won from b(itchest)iggest bank of India HDFC lets see what lies ahead.

To those who wish to upgrade HDFC CC, you need to rattle the cage of HDFC, they do upgrade cards I guess (still maybe!).

 

[prashu]

I have mb+ , virtual rupay and swiggy cc . I am closing swiggy and virtual rupay and i want to apply for tata nue card. My question is do i have to wait 90days from the date of closing swiggy and virtual cards as both are from same bank.?

 

[Heisenberg37]

I have mb+ , virtual rupay and swiggy cc . I am closing swiggy and virtual rupay and i want to apply for tata nue card. My question is do i have to wait 90days from the date of closing swiggy and virtual cards as both are from same bank.?

I have moneyback plus with a limit of 3L
card is 6 months old
spends till now: 10L

I want to upgrade to regalia gold and moneyback is kinda cursed card
so indeed of some sugestions.

 

[cardy]

I have moneyback plus with a limit of 3L
card is 6 months old
spends till now: 10L

I want to upgrade to regalia gold and moneyback is kinda cursed card
so indeed of some sugestions.

Grievance redressal cc pe mail karo
If spend is good and income documents hai to surely try kar sakte ho

 

[suryatejad]

Limit 90k hain, 1L hona mandatory hain?

Did you get Millenia upgrade? btw

 

[realjayt]

Did you get Millenia upgrade? btw

Nope, closed it and have applied through branch yesterday. My brother got the upgrade from moneyback+ though

 

[suryatejad]

Nope, closed it and have applied through branch yesterday. My brother got the upgrade from moneyback+ though

what was your brother's card limit before upgrade

 

[realjayt]

what was your brother's card limit before upgrade

84k. I had 90k

 

[suryatejad]

84k. I had 90k

Sorry for many qs. how long he waited for upgrade? is it pre approved offer? or contacted HDFC for upgrade?

 

[Trust Me]

84k. I had 90k

..... That's why your brother got it and you didn't! -- Because HDFC's actions typically run counter to logic-based expectations.

Now I suspect that I am moving farther and farther away from any reasonable expectations of an upgrade from my cursed Moneyback each time I get an unsolicited LE.

 

[realjayt]

Sorry for many qs. how long he waited for upgrade? is it pre approved offer? or contacted HDFC for upgrade?

Pre approved but with joining fee. He had held that card for roughly 2 years. I had held mine for 3.5 years

 

[realjayt]

..... That's why your brother got it and you didn't! -- Because HDFC's actions typically run counter to logic-based expectations.

Now I suspect that I am moving farther and farther away from any reasonable expectations of an upgrade from my cursed Moneyback each time I get an unsolicited LE.

I am trying through branch, if it works it works.

 

[maverick]

I am receiving a pre-approved MoneyBack+ offer; how long does HDFC typically take to display the Millennia LTF as a pre-approved offer? Can anyone share their experience?