Credit Card Folio Review

[gzb30ab]

Hi Guys,
I have some cc will list below mostly i am interested in LTF only or which can me made LTF using some methods. Need your help in which cc should i close as they are not beneficial etc and which should i add also need help with limit increase in some cc.
So here are the cc that I own--
1) Amazon Pay cc- 4.2l
2) Coral Rupay cc- 4.4l
3) Axis neo and myzone cc- 1.01l
4) Hdfc millenia cc- 50k need LE
5) Hdfc paytm cc- 1.17l need LE
6) IndusInd Legend cc- 50k this is latest got last month only
7) BOB Prime fd based cc- 12k (started my journey with this card) what should i do with this dont use it anymore
Also Applied for tata neu plus lets see if its ltf or not should i close if its not ltf? ,it has shared limit with my hdfc paytm cc
i have my salary account with hdfc other banks i dont have any savings ac only cc
dont know why not getting LE.

Latest
Update-
1) Amazon Pay cc- 4.2l
2) Coral Rupay cc- 4.4l
3) Axis neo and myzone cc- 1.01l
4) Hdfc millenia and tata neu plus cc- 1.67l
5) IndusInd Legend cc- 50k
6) SBI SimplyClick cc - 2.6l

closed my bob prime card and hdfc paytm and asked hdfc to merge limits
Axis I have raised LE Request Currently
I am not able to bob card applied two times one time work address 200km etc but in end rejected due to internal policies!!!
Any other cards you guys suggest?

 

[Sudip]

instead of creating a thread first use search function in TF,
if still not convinced with answers, write query in your profile status with exact requirement like your spending pattern (online / offline), cashbacks or looking for miles etc. someone will surely respond.

If possible, share your salary range to suggest even better if you shall be eligible for premium or super premium cards.

 

[drsel]

Hi Guys,
I have some cc will list below mostly i am interested in LTF only or which can me made LTF using some methods. Need your help in which cc should i close as they are not beneficial etc and which should i add also need help with limit increase in some cc.
So here are the cc that I own--
1) Amazon Pay cc- 4.2l
2) Coral Rupay cc- 4.4l
3) Axis neo and myzone cc- 1.01l
4) Hdfc millenia cc- 50k need LE
5) Hdfc paytm cc- 1.17l need LE
6) IndusInd Legend cc- 50k this is latest got last month only
7) BOB Prime fd based cc- 12k (started my journey with this card) what should i do with this dont use it anymore
Also Applied for tata neu plus lets see if its ltf or not should i close if its not ltf? ,it has shared limit with my hdfc paytm cc
i have my salary account with hdfc other banks i dont have any savings ac only cc
dont know why not getting LE.

Latest
Update-
1) Amazon Pay cc- 4.2l
2) Coral Rupay cc- 4.4l
3) Axis neo and myzone cc- 1.01l
4) Hdfc millenia and tata neu plus cc- 1.67l
5) IndusInd Legend cc- 50k
6) SBI SimplyClick cc - 2.6l

closed my bob prime card and hdfc paytm and asked hdfc to merge limits
Axis I have raised LE Request Currently
I am not able to bob card applied two times one time work address 200km etc but in end rejected due to internal policies!!!
Any other cards you guys suggest?

Atlas, Airtel, SBI cashback, Infinia, Biz Black

 

[cowcoconut]

SBI SimplyClick cc - 2.6l

Did you apply for this recently?
It’s rare to see SBI give their cards to people with a lot of high credit limit cards already

Could you share your experience

 

[helloworld]

Post in thread 'Please suggest me my 10th credit card'

Jul 22, 2023

FYI: TL; and Irrelavant

Credit cards mainly to purchase things and we should & must settle before due date provided by respective banks.

- provides credit score (based on our repayment it varies from bad to excellent)
- gives some returns which we don't usually get if we use debit card*

And as per my knowledge, spends for most people* generally,

^ Online

• Amzn/FK/Myntra
• Shopping sites (AJIO, TataCliq, Max etc. Gyftr available sites)
• Food and grocery spends (Swiggy, zomato, BB)
• Commute apps (Uber, Ola)
• Bill payments
• Flight/hotel bookings
• Other online...

• helloworld

• 
• 

need more info

 

[gzb30ab]

Did you apply for this recently?
It’s rare to see SBI give their cards to people with a lot of high credit limit cards already

Could you share your experience

Yes in August only!!

 

[Sushil74]

Bhai, i had the same problem - too many credit cards and no data backed way to know which cards are best for me. I just began using the SaveSage app.

Try the SaveSage Card Recommendation engine. They claim to factor 10K+ data points before recommending a card to you, a card that maximises rewards based on your bespoke expenses. For me, the card recommendations looked good, a validation of what i thought i had to do.