Guidance to Consolidate Multiple Bank Account.

[vine]

True holding acc means nothing banks give loans on credit history. Even if u have credit card from them then its considered a form of relationship u can easily get loan on that basis no need to have acc with them.

Yes. . True!

 

[kjs]

Hey,
I Am Having Multiple Bank Account Kindly Suggest me Which one Should i Close to Consolidate it.
Below Are the Banks Name

HDFC -Preferred Banking Old Account (Not to Close this Account) (I Have Credit Card)
ICICI -10K AMB (I Have Credit Card)
Kotak 811
SBI (I Have Credit Card)
Union Bank Of India For Current Account And Cash Credit

Please Suggest Which 2 Account Should I Close
And I am Also Planning to take Home Loan In Future

You can think of closing ICICI or kotak 811. But kotak 811 is anyways 0 balance so its ok to keep it. Try to convert ICICI to 0 balance by upgrading. I would have personally closed HDFC account due to its inferior net and mobile banking ,also no benefits with high variant accounts.