Dear Community,
I had some issues in the past with HDFC Credit cards in 2015. They issued me credit card in 2013 and it got renewed in 2016, But I didn't collect the credit card as I moved out of Chennai to Bangalore. But they are saying that some payments are pending and kept it as delinquent account due to missed payments within due time which didn't happen actually with my knowledge. With that reason they are rejecting my Credit Card applications (2 rejected till now with same reason). I do hold preferred account with them with good account balance and transactions, but they are not offering credit card.
Now they are offering FD based credit card (3.5L - Regalia, 13L - Infinia). After 6-9 months of good usage they are telling they will provide Floater Credit card which will be different from the existing credit card, then you can close your FD credit card (For Ex, If we take Infinia now with 13 L FD, they wont give Infinia they may give Regalia, But if we take Regalia now they may give Diners Privilege or Diners Black depends on the usage and getting Infinia in that way will be around 3 years from now).
My Credit Card Portfolio:
ICICI Emeralde, Axis Magnus, Axis Vistara Infinite, Axis Privilege, SBI Prime, Citi Premier Miles, ICICI Coral, ICICI Amazon Pay, One Card, RBL Play Card
Can someone suggest me how to proceed from here. @TechnoFino Sumanta Hope you will be helpful on this issue.
I had some issues in the past with HDFC Credit cards in 2015. They issued me credit card in 2013 and it got renewed in 2016, But I didn't collect the credit card as I moved out of Chennai to Bangalore. But they are saying that some payments are pending and kept it as delinquent account due to missed payments within due time which didn't happen actually with my knowledge. With that reason they are rejecting my Credit Card applications (2 rejected till now with same reason). I do hold preferred account with them with good account balance and transactions, but they are not offering credit card.
Now they are offering FD based credit card (3.5L - Regalia, 13L - Infinia). After 6-9 months of good usage they are telling they will provide Floater Credit card which will be different from the existing credit card, then you can close your FD credit card (For Ex, If we take Infinia now with 13 L FD, they wont give Infinia they may give Regalia, But if we take Regalia now they may give Diners Privilege or Diners Black depends on the usage and getting Infinia in that way will be around 3 years from now).
My Credit Card Portfolio:
ICICI Emeralde, Axis Magnus, Axis Vistara Infinite, Axis Privilege, SBI Prime, Citi Premier Miles, ICICI Coral, ICICI Amazon Pay, One Card, RBL Play Card
Can someone suggest me how to proceed from here. @TechnoFino Sumanta Hope you will be helpful on this issue.
Last edited:
