Hi to all TF community Members,
I am happy to join this community as it was and is helpful in creating a good/perfect credit card portfolio. I started following this community for past few months and I never knew that Techno YT channel has a community too.
My card portfolio
SBI Simply click (1 yr and 8 months old)
Waived free by spend milestone
SBI cashback (4 months old)
Both shared limit of 1.1L
Extracted returns 2.5% in SimplyCLICK
Axis Privilege ( 1 month old) limit - 1.4L
Paid one. Covered with welcome benefits
Upgraded from neo recently (9 months)
Already pre-approved offer for Atlas
Extracted returns 2%
Yes bank first prosperity card ( 4 months) (closed) limit - 35k
along with Virtual Rupay
Closed bec they said it's LTF but it's ain't so raised complaint then got 2k worth points. Redeemed and closed it.
HDFC Tata neu infinity FYF (7 months old)
Limit - 1.5L
Extracted returns 3.3% overall (2.5L spends till date)
RBL Shoprite (1 month old) FYF
Degraded from Cookies (4 months old)
Limit 45k
Degraded bec 5000 min spends required to wave off monthly fee.
Kept for offers
IDFC classic LTF (4 months old)
75k - limit
Kept for offers
INDUSIND eazydiner LTF
50K - Limit
Kept for offers.
(normal eazy diner not that signature one)
CIBIL - 771
Payments - Excellent
Utilization - Excellent
Mix portfolio - good (no secured loans yet)
Enquiry - 51 (Dont know how) - Fair
Enquiry isn't much of an issue in future I know though
I am running a business With ITR of 5-6 Lac. I have accs with SBI SB (15+ yrs) n Current (8yrs)
Recently opened HDFC current account (3 months back) for POS machine.
Now my query,
Which road is good
HDFC - infinia
AXIS - Magnus
ICICI - Emeralde
My HDFC is a new branch in my location. And the BM is new too shifted from Axis. He is a good guy and trying ways to help me in getting Regalia gold but he is communicating with Upper tier guys, imperia account RM from other branch and also with credit card team.
He said to open Savings account with preferred banking so that after 3-6 months I can get Regalia gold. I pushed him yesterday to cofirm else won't open the account. He is pushing them to confirm details so that we can move ahead.
When I have good BM, I am facing shitty experience with HDFC email escalation team. Past one month, I kept on escalatng for either conversion of Tata neu infinity to LTF or core one for regalia gold. Both rejected now asked for Millinea atleast.
I don't see any pre approved offers yet.
So close my Tata card or finish off 50k n use it for next year.. It won't be useful it I got hold to Regalia gold or atlas for sure.
ICICI Apay card keeps rejecting.. You know why. Self employed 😂
No idea abt banking stuff
Axis I have read in forums that it's way more shitter than HDFC.
So confused to either get atlas and move ahead with Axis road or start a new road with ICICI or HDFC with preferred banking. I can only reach by spend Milestone and others but not with ITR.
Let me know your feedback and I am here to help other members with the knowledge n experience I gained in these close to 2 years.
I am happy to join this community as it was and is helpful in creating a good/perfect credit card portfolio. I started following this community for past few months and I never knew that Techno YT channel has a community too.
My card portfolio
SBI Simply click (1 yr and 8 months old)
Waived free by spend milestone
SBI cashback (4 months old)
Both shared limit of 1.1L
Extracted returns 2.5% in SimplyCLICK
Axis Privilege ( 1 month old) limit - 1.4L
Paid one. Covered with welcome benefits
Upgraded from neo recently (9 months)
Already pre-approved offer for Atlas
Extracted returns 2%
Yes bank first prosperity card ( 4 months) (closed) limit - 35k
along with Virtual Rupay
Closed bec they said it's LTF but it's ain't so raised complaint then got 2k worth points. Redeemed and closed it.
HDFC Tata neu infinity FYF (7 months old)
Limit - 1.5L
Extracted returns 3.3% overall (2.5L spends till date)
RBL Shoprite (1 month old) FYF
Degraded from Cookies (4 months old)
Limit 45k
Degraded bec 5000 min spends required to wave off monthly fee.
Kept for offers
IDFC classic LTF (4 months old)
75k - limit
Kept for offers
INDUSIND eazydiner LTF
50K - Limit
Kept for offers.
(normal eazy diner not that signature one)
CIBIL - 771
Payments - Excellent
Utilization - Excellent
Mix portfolio - good (no secured loans yet)
Enquiry - 51 (Dont know how) - Fair
Enquiry isn't much of an issue in future I know though
I am running a business With ITR of 5-6 Lac. I have accs with SBI SB (15+ yrs) n Current (8yrs)
Recently opened HDFC current account (3 months back) for POS machine.
Now my query,
Which road is good
HDFC - infinia
AXIS - Magnus
ICICI - Emeralde
My HDFC is a new branch in my location. And the BM is new too shifted from Axis. He is a good guy and trying ways to help me in getting Regalia gold but he is communicating with Upper tier guys, imperia account RM from other branch and also with credit card team.
He said to open Savings account with preferred banking so that after 3-6 months I can get Regalia gold. I pushed him yesterday to cofirm else won't open the account. He is pushing them to confirm details so that we can move ahead.
When I have good BM, I am facing shitty experience with HDFC email escalation team. Past one month, I kept on escalatng for either conversion of Tata neu infinity to LTF or core one for regalia gold. Both rejected now asked for Millinea atleast.
I don't see any pre approved offers yet.
So close my Tata card or finish off 50k n use it for next year.. It won't be useful it I got hold to Regalia gold or atlas for sure.
ICICI Apay card keeps rejecting.. You know why. Self employed 😂
No idea abt banking stuff
Axis I have read in forums that it's way more shitter than HDFC.
So confused to either get atlas and move ahead with Axis road or start a new road with ICICI or HDFC with preferred banking. I can only reach by spend Milestone and others but not with ITR.
Let me know your feedback and I am here to help other members with the knowledge n experience I gained in these close to 2 years.
