I already have diners millennia for couple of years as LTF, previously I had diners club premium credit card which completed its 10 years cycle. My question is they quietly degraded me from Diners club premium to diners club millennia. today I tried to apply hdfc swiggy and after entering otp it says already applied some card and doesn't let me apply. I don't think millennia is that usable for me. Most of the times I am using sbi cashback card. What do you think my options here. Should I reach out hdfc cc and ask them to change my credit card?