Credit Card Opinions Required

[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.

 

[Tejo]

Close one of the axis card.

Close bob fd card, if you wish to maintain a secured loan take overdraft against mf, gold or fd.

Close hdfc paytm after you get neu. Also ask hdfc to merge the both the limits of hdfc millennia and hdfc paytm. (If you wish)

I think you are eligible for icici 0 balance premium savings ac as you have 4l+ credit limit.

 

[gzb30ab]

Close one of the axis card.

Close bob fd card, if you wish to maintain a secured loan take overdraft against mf, gold or fd.

Close hdfc paytm after you get neu. Also ask hdfc to merge the both the limits of hdfc millennia and hdfc paytm. (If you wish)

I think you are eligible for icici 0 balance premium savings ac as you have 4l+ credit limit.

Placed a request to close bob card already
Guide me for what to do with HDFC cards where to contact as cc on call doesn't help with me credit limits ?. And after neu paytm cc will be closeable as it has shared limit !!.

 

[Anupama_Jha]

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.

Get SBI Cashback and SimplyClick

Kotak Myntra (not sourcing due to RBI ban) wait few days/weeks

PNB Rupay Select for spa, ott and more
(LTF conditionally with one trxn per quarter)

 

[Ak Singh]

Get SBI Cashback and SimplyClick

Kotak Myntra (not sourcing due to RBI ban) wait few days/weeks

PNB Rupay Select for spa, ott and more
(LTF conditionally with one trxn per quarter)

Can we get pnb cc without income documents and savings account in pnb?

 

[Anupama_Jha]

Can we get pnb cc without income documents and savings account in pnb?

Without savings account is possible, but not without income docs.

Not sure if they changed their policy recently. But they need ITR/Salary Slip+ Bank statements mandatorily

 

[gzb30ab]

Get SBI Cashback and SimplyClick

Kotak Myntra (not sourcing due to RBI ban) wait few days/weeks

PNB Rupay Select for spa, ott and more
(LTF conditionally with one trxn per quarter)

SBI cards are not LTf correct?. Or they can be ?.

 

[airbubble]

If you have your salary account with HDFC, speak to your RM and get the Millennia's limit increased. Use it for most of your spends for about 6-7 months and then ask for a card and limit upgrade. I think they will do so without any question.

Get SBI Cashback and Axis Airtel (Ace if Airtel is not pre approved) if possible.

 

[Anupama_Jha]

SBI cards are not LTf correct?. Or they can be ?.

They can be......

Pro Tips to make a SBI card life time free

Pro Tips- Simple way to make Any basic to mid range SBI card LTF is to "Just raise a closure of card account request through Sbi card app .After few hours you will receive a call to ask a reason for cancellation ,there tell them Either make it Life time free or cancel the card.They will make...

www.technofino.in

 

[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.

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?

 

[arunkd386]

For which spends/benefits you have kept neo and myzone?