Closed Credit Cards list so far

[Andy1]

Let's talk about all the credit cards which you have closed so far and also list reason for it.
I have closed
Icici Platinum- Poor Reward points
Axis Flipkart- list of exemptions
Axis Ace - devaluation
Yes Finbooster- never used
Yes Exclusive- Annual Fees
RBL ICON- pathetic reward system for a premium card
Axis Magnus- Reason well known
IDFC Select- upgraded to Wealth

 

[Andy1]

It seems most of the people have closed Axis Flipkart Credit card

 

[SmartSave]

About to close IDFC First Millennia. No LE or Upgrade despite holding other premium cards and requesting them multiple times. Useless with low CL.

SBI Ola is another which is paid but rarely used (however, I've met their fee waiver target and got refund recently). I wanna keep some SBI core card, not sure which one to apply for.

Closed IDFC First Millennia and I got a call from retention team asking what the issue is, told me to email my existing bank statement to their banker email and see if I get LE and if it still isn't satisfactory, I can go ahead and request again to close and apply again for a new one immediately (there is no cooling period it seems -- I'm surprised here with how the retention guy was suggesting the steps to get a better card...lol). Let's see how this goes.

 

[yolofino]

Closed the following cards -

IDFC Select - no LE, no upgrade, no spend based offer ever.

OneCard Federal - had kept for 1% forex markup, not needed as have Scapia and RBL World Safari

SBI Simplyclick - closed 7/8 years ago as hardly any spends


Planning to close -

ICICI Platinum as I already have Coral Rupay LTF

RBL World Safari if they don't make it LTF before anniversary date

Kotak League Visa - never used till now

Axis Freecharge - already have My Zone & IOCL Rupay as LTF so not much need of it.

Citi Rewards - will close when the name will change to Axis

 

[varun__goel_]

Yes, I closed in last October, now I am getting pre approved offers for Freedom, Indian Oil and Tata Neu Cards 😄 I didn't apply 😄

So we get pre approved offers again after closing cc one time in hdfc?

 

[Deleted member 5552]

So we get pre approved offers again after closing cc one time in hdfc?

Yes I got again....

 

[varun__goel_]

Yes I got again....

Then definitely gonna close shitty freedom🫠

 

[deep@vie]

Then definitely gonna close shitty freedom🫠

Get freedom from this freedom🤣

 

[Deleted member 5552]

Then definitely gonna close shitty freedom🫠

I closed MoneyBack card, now 3 cards are showing. They Freedom (LTF) Indian Oil Card & Tata Neu 😆😆 I received more than six calls today from HDFC Bank (Number already in Blocklist). I think they are calling to accept this offer. But I won't apply until I get good HDFC Card offer

 

[Deleted member 5552]

Then definitely gonna close shitty freedom🫠

HDFC Bank is boasting that it gives 10x reward points on some transactions. But when I calculated those 10x reward value it's only 1 percentage 😆 10x means atleast we must get 5% as value back

 

[sathish593]

I closed MoneyBack card, now 3 cards are showing. They Freedom (LTF) Indian Oil Card & Tata Neu 😆😆 I received more than six calls today from HDFC Bank (Number already in Blocklist). I think they are calling to accept this offer. But I won't apply until I get good HDFC Card offer

When did you close the moneyback card?

 

[deep@vie]

When did you close the moneyback card?

+1

 

[Deleted member 5552]

When did you close the moneyback card?

Last October

 

[varun__goel_]

Freedom only gives 0.1% value and 1% on few merchants. Isse zyada to sbi ka dc de deta hai🤣🤣

 

[raghu.rokda]

Yes

Ace, ICICI Platinum & Amazon Pay (These ICICI cards are approved in this February)

I cancelled all old ICICI cards 3 years ago because of poor credit limit including Amazon Pay and Platinum card... After 3 years of gap, I got new ICICI cards in February, but again I closed my new ICICI Mine card today.

How you get your ICICI mine card ?

 

[Deleted member 5552]

How you get your ICICI mine card ?

Upgrade offer

 

[SmartSave]

Closed IDFC First Millennia and I got a call from retention team asking what the issue is, told me to email my existing bank statement to their banker email and see if I get LE and if it still isn't satisfactory, I can go ahead and request again to close and apply again for a new one immediately (there is no cooling period it seems -- I'm surprised here with how the retention guy was suggesting the steps to get a better card...lol). Let's see how this goes.

Update: Closed. This bank is stubborn on not giving any LE. No wonder even retention team encourages other ways to get a better card...lol

I sent all the docs. Requested again and they as usual closed and denied. So it's okay, no point of being their customer. Closed.

 

[cardio_guy]

My closed cards list
Card - Limit - Reason

Federal imperio - 1.4L - poor rewards
Tata neu + - 0.8L - Wanted infinity variant.
Axis Indian oil - 1.8L - not useful for my spending pattern

Among these I could have retained neu + and later bargained for infinity.
Axis also I closed just like that. I should have kept that also and bargained for a higher premium card.

Now I have to restart my card journey from scratch.

 

[metal_heart]

AXIS FLIPKART (Paid) - Closed, as I couldn't meet waiver criteria & Axis denied fee waiver/LTF
AXIS IOCL (LTF) - Closed, as even after 4 months and repeated follow-ups, they didn't give the welcome benefit.
CITI Rewards (Paid) - Closed, Didn't wanted to deal w/ AXIS post merger
SC Rewards (Paid) - Closed, Didn't activate but closed. Was mis-sell as LTF but was paid

Planned Closure
PNB Platinum - Their email statement are non-reliable. They failed to send statement twice and I missed payment. Its now Dormant, will soon be retired.
AMEX MRCC - Acceptance is really an issue. I struggle to complete 4*1500 transactions
SBI Cashback - De-valuation. May not be worth anymore (Have met waiver criteria this year, will keep another year)

and (may b) some dormant LTF cards which are never used and don't have much benefits either

Will continue AMEX & SBI CB for another year as milestone is met.

Closed HDFC Regalia, after recent de-valuation on lounge benefit.
I know, it doesn't matter to HDFC, but that's a stupid clause. Will shift my spends onto other cards, which have realistic lounge criteria.

 

[anonymuos]

Actually this thread is a mind opener.

People are longing(literally banging their head) to get a particular CC, and i see some guys just throwing it to BIN just like that.

It reminds me....The grass is always greener on the other side of the fence.

Or simply put in another way: One person's trash is other person's treasure.

I've closed
- SBI SimplySAVE - Had applied for SimplyCLICK but they issued wrong card
- SBI SimplyCLICK - For charges but they reissued after 15 days, reversed charges and gave 3 months Amazon Prime. Will close again unless they make it LTF
- IDFC First WOW - Had gotten this secured CC only for 0% forex despite being secured. But when you have this as first and only card, they refuse any unsecured core Visa cards like IDFC First Millennia, Classic, Select, Wealth etc. There are enough 0% forex cards now on the market. Got Classic instead and will upgrade it to Wealth over time
- Soon to close: HDFC Business MoneyBack: most useless core card, pathetic rewards unless you spend 10K every statement cycle on utility bills, in which case it is a pathetic 2.5% (₹250 on ₹10000) although HDFC did give ₹1500 Amazon voucher, then 2 more ₹500 vouchers, ₹250 cashback and ₹250 from reward points on this card = total ₹3000 in one year

 

[ALOAK]

Below are the ones I closed
Icici hp very old card had five all closed
Sbi gold more card
Axis flikart paid
Sbi prime tried flipping to air india card which never gor delivered so both closed paid
HSBC platinum old card le was 15k very old card
Citi reward old card

Planning to close
Rbl shoprite
Sbi prime vistara LE is only 64k paid
Citi indian oil Mc and visa 2003 and 2007 cards now it is getting merged
SC smart card paid


Other cards in use
Idfc select
Idifc vistara paid
Axis vistara infinite paid
Amex plat travel paid
Amex smartearn paid but end meeting waiver
Amazon icici pay
Hdfc dcp
Axis indian oil rupay for upi paid
SC Ultimate if vouchers keep getting removed may choose to close it not good many redemption now they even removed TAj Hotel vouchers. Only think showing is ITC and Marriot bonvoy.paid card