HDFC Rupay Floater LTF - Get it or not

[nayra]

I only have DCP, not even one month old. HDFC did me good and I had 4 CIBIL enquiries in last 2 months. My CIBIL is 748. So I was thinking of atleast a month cooldown to apply for other cards after my CIBIL improves.

Now I am getting HDFC Rupay LTF via Payzapp, should I get it? It doesn't affect CIBIL and doesn't show up as a separate card on my report, right? (Do confirm this). Does it have separate billing or combined with my core?

Will I still be eligible for other HDFC Cards if I take it? Any disadvantages?

 

[Wealth is my birth right!]

I only have DCP, not even one month old. HDFC did me good and I had 4 CIBIL enquiries in last 2 months. My CIBIL is 748. So I was thinking of atleast a month cooldown to apply for other cards after my CIBIL improves.

Now I am getting HDFC Rupay LTF via Payzapp, should I get it? It doesn't affect CIBIL and doesn't show up as a separate card on my report, right? (Do confirm this). Does it have separate billing or combined with my core?

Will I still be eligible for other HDFC Cards if I take it? Any disadvantages?

CIBIL will be there
Not necessarily same billing cycle i got different
Floater no advantage for getting premium card

 

[nayra]

CIBIL will be there

You mean enquiry or a different card on report?

 

[hitirfan]

I only have DCP, not even one month old. HDFC did me good and I had 4 CIBIL enquiries in last 2 months. My CIBIL is 748. So I was thinking of atleast a month cooldown to apply for other cards after my CIBIL improves.

Now I am getting HDFC Rupay LTF via Payzapp, should I get it? It doesn't affect CIBIL and doesn't show up as a separate card on my report, right? (Do confirm this). Does it have separate billing or combined with my core?

Will I still be eligible for other HDFC Cards if I take it? Any disadvantages?

Get it if u don't have any Rupay card. It's not much beneficial.

I guess Pre-approved card don't check Credit Score.

If u have CIBIL Enquiries of HDFC CC, you may request them to remove them.

I had 4 CIBIL Enquiries of HDFC Bank in a single month, out of which I got CC from one enquiry. I requested them to remove enquiries and within 15 days, they removed all 4 enquiries + 3 enquiries made in other months.

 

[Wealth is my birth right!]

You mean enquiry or a different card on report?

Just enquiry only
Limit will be shared so 1 entry in cibil

 

[nayra]

Get it if u don't have any Rupay card. It's not much beneficial.

I guess Pre-approved card don't check Credit Score.

If u have CIBIL Enquiries of HDFC CC, you may request them to remove them.

I had 4 CIBIL Enquiries of HDFC Bank in a single month, out of which I got CC from one enquiry. I requested them to remove enquiries and within 15 days, they removed all 4 enquiries.

I don't have a Rupay cc, DCP is my first one. Ready to take if no CIBIL enquiry but...

It says Check Eligibility (sounds like a hit)on Payzapp, the LTF Offer is in offers section. Offer not present in MyCards

I mailed regarding multiple hits and they reverted that checking product offers results in enquiry... I had 3 of these hits within a week... Can you share email body which worked for you? I mailed to Grievance.Redressalcc@hdfcbank.com.

 

[hitirfan]

I don't have a Rupay cc, DCP is my first one. Ready to take if no CIBIL enquiry but...

It says Check Eligibility (sounds like a hit)on Payzapp, the LTF Offer is in offers section. Offer not present in MyCards

I mailed regarding multiple hits and they reverted that checking product offers results in enquiry... I had 3 of these hits within a week... Can you share email body which worked for you? I mailed to Grievance.Redressalcc@hdfcbank.com.

Check eligibility will get CIBIL hit.

I emailed to customerservices.cards@hdfcbank.com but after 2 months with request to remove other enquiries as they have decreased my CIBIl score etc... in a humble tone.

 

[nayra]

Check eligibility will get CIBIL hit.

I emailed to customerservices.cards@hdfcbank.com but after 2 months with request to remove other enquiries as they have decreased my CIBIl score etc... in a humble tone.

I checked my cibil for first time after getting the card.. not sure If i can say it decreased

 

[Yugi]

Not sure but people say having floater cards limit the possibility of future Credit Limit Increases and Card upgrades.

 

[hitirfan]

I checked my cibil for first time after getting the card.. not sure If i can say it decreased

No worries 4 enquiries is not much. I made 25 enquiries in 2 months . CIBIL went from 743 to 732. After HDFC Bank removed enquiries CIBIL went to 760.

Your CIBIL will increase a lot with the judicious use of Credit Card in two three months. Keep utilization ratio less than 30% by the end month that is went the HDFC Bank reports to CIBIL.

 

[nayra]

No worries 4 enquiries is not much. I made 25 enquiries in 2 months . CIBIL went from 743 to 732. After HDFC Bank removed enquiries CIBIL went to 760.

Your CIBIL will increase a lot with the judicious use of Credit Card in two three months. Keep utilization ratio less than 30% by the end month that is went the HDFC Bank reports to CIBIL.

I mean if its going to cause an enquiry, Id rather try a better rupay card later

 

[Card_Crafter]

In HDFC every card has shared limit but separate individual accounts and billing cycle.

Ignore this, not much useful. Wait for 5 more months, then get Neu Infinity.

 

[hitirfan]

I mean if its going to cause an enquiry, Id rather try a better rupay card later

Yes. Get a better Rupay CC

 

[nayra]

then get Neu Infinity.

Dont wanna get trapped in Tata brands, but if I can get LTF ig won't be bad.

 

[Card_Crafter]

Dont wanna get trapped in Tata brands, but if I can get LTF ig won't be bad.

Then take LTF Jupiter CSB card for direct statement credit. Details in my signature.

 

[Hemang]

Check eligibility will get CIBIL hit.

I emailed to customerservices.cards@hdfcbank.com but after 2 months with request to remove other enquiries as they have decreased my CIBIl score etc... in a humble tone.

Bhai cibil report bhi attach karni padti hai kya for hdfc reference. ? Kitne din me they removed the unnecessary cibil hits ?

 

[hitirfan]

Bhai cibil report bhi attach karni padti hai kya for hdfc reference. ? Kitne din me they removed the unnecessary cibil hits ?

Yes latest CIBIL report deni bejni padti hai. Jab unhone agree kiya enquiries pe kaam karne ka, use mai likha tha within 15 days yeh remove honge.

 

[Hemang]

Yes latest CIBIL report deni bejni padti hai. Jab unhone agree kiya enquiries pe kaam karne ka, use mai likha tha within 15 days yeh remove honge.

From where do we get cibil reports with query details bhai ?

 

[nayra]

Then take LTF Jupiter CSB card for direct statement credit. Details in my signature.

So need an iPhone for this card link?

 

[hitirfan]

From where do we get cibil reports with query details bhai ?

Yehan Credit Score check karne wala ek post hai, use mai Axis Bank wali link hai wahan se hota pdf download