I have 16 active credit cards and around 45 CIBIL hits now after joining this community since last year. Is credit card seeking/hoarding an addiction?
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credit cards addiction..
- Thread starter Pradeepbansal
- Start date
Patil007
TF Legend
RBL shoprite ltf: Take world Safari LTF from RBL in replacement of this.
Tried a lot, they are saying no offers available
Patil007
TF Legend
Try this if not done before.
Send mail to cardcancellation@rblbank.com and ask them to close card.
They will call you.
let me know if it works for u?
just now received a call from RBL. they are offering icon card for LTF. i said yes to it. i know every rbl card is worth nothing now a days
Deleted member 8482
TF Select
11 active credit card and 26 enquiries in last 10 months after joining this community😋😂
aditya2000
TF Neo
I currently have an LTF Kotak White Credit Card 3,12,000. An ICICI Rubyx card with 2,50,000 LTF, Which I am waiting to upgrade to an ICICI Sapphiro Credit card Because my primary savings account is with ICICI and I love their net banking and services. I have recently applied for an LTF HDFC Business Regalia on a c2c basis with a Kotak CC. The sales executive informed me that there is a 90% chance that I will get approved or else I will get a Milleania LTF. I have the following questions :
1. My initial reasoning for getting these 3 cards was that with Kotak the domestic lounge list & priority pass were good and there was always an option to get an upgrade to Kotak white reserve CC, I personally don't use this card much as the reward rate is very bad. With ICICI Rubyx I got railway lounge access & once it gets upgraded to ICICI Sapphiro credit card LTF then I will get buy 1 get 1 on movies personally, I believe the Sapphiro credit card is one of the best cards by ICICI Bank. & with HDFC Business Regalia dineout, Offers, etc. and I want to aim for DCB LTF in the future.
Is my thinking correct?
2. If I want to close a card then I will close Kotak white, should I choose any other card?
3. The ICICI executive told me that my limit is 2,50,000 and my limit increases to 3,00,000 I will get an offer for the ICICI Sapphiro LTF offer for sure,is that true?
4. Should I change any card ?
5. Which card provides better reward rates HDFC regalia or ICICI Rubyx?
7. Can banks increase the limit on other banks' credit card statements?
8. All cards are on the Visa platform, I want to change one to Rupay will it have any problem & how to do it?
cardio_guy
TF Legend
Your cibil hit - card ratio is really good. I have 35 Cibil hits and just 4 cards.
This forum enabled me where I should not spend my valuable time. There is indeed fun engaged with this community but 2-3% not worth which is at max less than couple of days of our salary for the whole year. Best focus to earn more than focusing on these trivial cashbacks / rewards.
rizzer
TF Buzz
true bro,i have currently 11 credit cards with no income proof and i application ongoing and the amount of time spent is crazy, i felt man i could have become a doctor if i knew i could think so much
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