How many active credit cards do you have? Flash your portfolio.

[Lobogris]

Axis Neo Rupay
Hdfc Regalia Gold
Amazon Pay ICICI
ICICI Coral
Sbi Cashback
IDFC SELECT

Closed almost 30 cards that are not being used

Which ones were closed?

 

[Lobogris]

Presently using the following cards:
Amex Platinum Travel (commonly used for Insurance)
Indus Ind Pinnacle (rarely used)
ICICI Coral Rupay (Bank offers)
Axis Airtel (commonly used for utility bill payments)
Standard Chartered Smart (commonly used for Insurance)
HDFC Regalia Gold (commonly used for Smartbuy)
SBI Cashback (commonly used for fuel vouchers in Park+ and online)
Kotak IOCL (rarely used)
BoB Eterna (rarely used)
BoB Snapdeal (commonly used for UPI)
BoB HPCL Energie (used sometimes)
IDFC Select(rarely used)

Closed the following cards:
Flipkart Axis
Axis Neo
Axis MyZone
Amazon Pay ICICI
ICICI Platinum
ICICI Emeralde
IDFC Power+
SBI Prime
SBI BPCL
SBI BPCL Octane
Yes Reserv
SC Platinum Rewards

You had both BPCL and Octane?

 

[aniketkr.sharma]

Which ones were closed?

Do i need to list them all?

 

[Kumar93196]

Axis neo sucks is spend around 1/1.5 lacs in last 3/4 months and i only received 250 reward points 🥺

 

[dexter_greycells]

Flashing is never a good idea, especially in public places / forums 😛

 

[aniketkr.sharma]

Flashing is never a good idea, especially in public places / forums 😛

So, you still need proof then count in what i am going to list, maybe you can't even dream of and never take anyone entertained without knowing them
Started the game with
Icici secured card had 3 secured card worth 50k each overtime
Then sbi simply click advantage for fixed deposit of 50k
Then tried for unsecured and got slice card
Then lazy pay
Then bharatpe
Then postpe
Then after buying a TV worth 85k from amazon got pre-approved message and applied amazon pay and got it
Then expression card
Then platinum card
Then applied for paytm select and got it
Then applied for paytm hdfc select and also got it
Then simply save sbi mastercard
Then tata neu plus
Then tata neu infinity
Then induind legend
Then Kotak 811
Then Kotak league
Then sbi cashback
Then millennia
Then standard chartered platinum
Then standard chartered smart
Hsbc platinum
Then again simply save rupay
Then axis neo
Then axis myzone
Then axis magnus
Then axis privilege
Then axis neo rupay
Then idfc millennia
Then idfc select
Then again tata neu infinity
Then regalia gold
Then coral

Maybe I have missed alot of cards just listed the ones what I went in my mind with banks.

 

[Lobogris]

So, you still need proof then count in what i am going to list, maybe you can't even dream of and never take anyone entertained without knowing them
Started the game with
Icici secured card had 3 secured card worth 50k each overtime
Then sbi simply click advantage for fixed deposit of 50k
Then tried for unsecured and got slice card
Then lazy pay
Then bharatpe
Then postpe
Then after buying a TV worth 85k from amazon got pre-approved message and applied amazon pay and got it
Then expression card
Then platinum card
Then applied for paytm select and got it
Then applied for paytm hdfc select and also got it
Then simply save sbi mastercard
Then tata neu plus
Then tata neu infinity
Then induind legend
Then Kotak 811
Then Kotak league
Then sbi cashback
Then millennia
Then standard chartered platinum
Then standard chartered smart
Hsbc platinum
Then again simply save rupay
Then axis neo
Then axis myzone
Then axis magnus
Then axis privilege
Then axis neo rupay
Then idfc millennia
Then idfc select
Then again tata neu infinity
Then regalia gold
Then coral

Maybe I have missed alot of cards just listed the ones what I went in my mind with banks.

So you are counting the ones that were upgraded as separate cards? Like I had HDFC Moneyback which became Moneyback + which became Infinia. So should I say I have closed 2 cards and had 3 or count it as only 1 card?

 

[aniketkr.sharma]

So you are counting the ones that were upgraded as separate cards? Like I had HDFC Moneyback which became Moneyback + which became Infinia. So should I say I have closed 2 cards and had 3 or count it as only 1 card?

No way, i freshly applied many times to get upto regalia gold
And for your information my regalia gold is also freshly applied after 6 months of closing millennia

Till now having cibil hit 138 times

 

[pranjal1984]

You had both BPCL and Octane?

I downgraded my Octane to Platinum. Then closed it last month

 

[cardio_guy]

Sorting by network:

VISA

• Amazon Pay ICICI
• HSBC Platinum

VISA SIGNATURE

• Federal Celesta
• ICICI Sapphiro
• Indusind Tiger

MASTER WORLD

• HDFC Swiggy

RUPAY SELECT

• HDFC Tata Neu Infinity

 

[Nishan11]

No way, i freshly applied many times to get upto regalia gold
And for your information my regalia gold is also freshly applied after 6 months of closing millennia

Till now having cibil hit 138 times

What Is your cibil age & score, if you don't mind sharing ?

 

[aniketkr.sharma]

What Is your cibil age & score, if you don't mind sharing ?

5.6 years, 779

 

[Nishan11]

5.6 years, 779

Your score is quite good considering the number of cibil hit you mentioned in earlier post. May be after 5 years plus of cibil history, cibil hit doesn't affect score much.

 

[aniketkr.sharma]

Your score is quite good considering the number of cibil hit you mentioned in earlier post. May be after 5 years plus of cibil history, cibil hit doesn't affect score much.

It also reduced to 86 till now as it stores only 3 years of data for hard enquiry

 

[Lobogris]

Sorting by network:

VISA

• Amazon Pay ICICI
• HSBC Platinum

VISA SIGNATURE

• Federal Celesta
• ICICI Sapphiro
• Indusind Tiger

MASTER WORLD

• HDFC Swiggy

RUPAY SELECT

• HDFC Tata Neu Infinity

Wow. I have no clue which network most of my cards are on.

 

[manoj28]

Yes Kiwi Rupay (LTF)
ICICI Coral Rupay (LTF)
ICICI Rubyx MasterCard (LTF)
ICICI Amazon Pay VISA (LTF)
HDFC Millennia VISA (LTF)
Axis Neo MasterCard (LTF)
Axis Airtel MasterCard
HSBC Live+ VISA
SBI BPCL Rupay