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Did you call customer care before they add fees in statement?During covid, I spent a measly amount on my DCB and requested them to waive off the fee. They did it as a one time gesture. Not sure about recent experiences.
Curious to know how LTF is a downgrade?Check what the retention team offers, else downgrade to an LTF card. Would advice against closing.
Whenever you raise a Card Closure request, you might get a call from the issuer bank's retention team. You can negotiate for fee waivers, LTF conversions or potential card downgrades to one of your choice with LTF possibility. I don't know how to explain in a more clearer way.Curious to know how LTF is a downgrade?
Yes I get it but you would be negotiating fee waivers which is already included as benefit in LTF. How often people downgrade the card? I would personally never get into a situation where I upgraded without thinking of all possibilities.Whenever you raise a Card Closure request, you might get a call from the issuer bank's retention team. You can negotiate for fee waivers, LTF conversions or potential card downgrades to one of your choice with LTF possibility. I don't know how to explain in a more clearer way.
Read my previous post again.Yes I get it but you would be negotiating fee waivers which is already included as benefit in LTF.
If one got a better card from another issuing body and holding the old card per it's fees and benefits don't make sense anymore, people downgrade.How often people downgrade the card? I would personally never get into a situation where I upgraded without thinking of all possibilities.
I've downgraded from Regalia LTF to Millennia LTF due to the RPs devaluation and stopping of 10x accelerated BRPs on SmartBuy. Now they've offered me DCB LTF (declined) and Infinia Metal FYF (RM is trying to push for LTF)Yes I get it but you would be negotiating fee waivers which is already included as benefit in LTF. How often people downgrade the card? I would personally never get into a situation where I upgraded without thinking of all possibilities.
You mean HDFC offers DCB ltf? Auto upgrade to ltf?I've downgraded from Regalia LTF to Millennia LTF due to the RPs devaluation and stopping of 10x accelerated BRPs on SmartBuy. Now they've offered me DCB LTF (declined) and Infinia Metal FYF (RM is trying to push for LTF)
I've got Millennia LTF to DCB LTF or Infinia FYF upgrade offer in NetBankingYou mean HDFC offers DCB ltf? Auto upgrade to ltf?
Is it due to High salary and keeping handsome amount with HDFC?I've got Millennia LTF to DCB LTF or Infinia FYF upgrade offer in NetBanking
Classic salary a/c + 11L spent on Regalia/Millennia in previous anniversary year. No other deposit/investment in HDFCIs it due to High salary and keeping handsome amount with HDFC?
Is it due to High salary and keeping handsome amount with HDFC?
Only benefit of Imperia is free Locker, if you can find an empty oneYour TRV means nothing to HDFC. And moreover there are no added benefits to maintain Imperia Banking Program. Just keep Classic/Vishesh and you'll be good.
Wo locker kaha milta sirji 😂 BM bol rha 3 km dur wali branch mein hai. Mein bola to udhar hi shift kr leta mera account, he went silent.Only benefit of Imperia is free Locker, if you can find an empty one
Ask to see the waitlist register. Usually that does the trick if escalated to your Imperia RM. Of course, metro branches may not have any lockers available due to the high demand, but tier 2/3 cities usually have a few (reserved for new HNI customers)Wo locker kaha milta sirji 😂 BM bol rha 3 km dur wali branch mein hai. Mein bola to udhar hi shift kr leta mera account, he went silent.