Millennia How to make millennia LTF after upgrade

[s1t2y3a3m6]

After end of a long clash finaly get upgraded to millennia from the wretched business money back.

But it's now chargeable so another clash started to make it LTF but customer care denied to raise request for LTF. Already spent 1.5 lakh from the day received it.

So how can I make it LTF ? Provide your valuable suggestions.

 

[Fini7777]

Ye to sab kehte hai. But solution kya hai iska. Should i close my tata neu card?

you can try,
I closed my swiggy card recently with 75k limit and applied for tat neu infinity I got 178k limit
You can close it and reapply after 2-3 days through online They will offer you higher limit but getting Millennia is not sure
try ur luck
before closing this try with their escalation team first If they deny then ask them to close ur card

 

[s1t2y3a3m6]

Grievance Redressal me mail daalo to alag hi scene hai. Kabhi bolte hai Millennia ka minimum limit 1 lack hai so nahi hoga.

Kabhi bolte hai ki co-branded card ko ham upgrade nahi karte.

Kabhi bolte hai ki HDFC me ek hi card rakh sakte hai. Kya pata kisko baitha ke rakha hai customer support me🤦

64k ... close it and apply again will get better limit and card.

 

[yusuf646]

64k ... close it and apply again will get better limit and card.

What's the cooling period after closing?

 

[Fini7777]

What's the cooling period after closing?

you can apply once you receive the card closure confirmation sms or mail

 

[s1t2y3a3m6]

What's the cooling period after closing?

Nothing if your previous application not rejected.

For safe side wait for 2-3 months.

 

[MOhit __]

I asked for LTF suggestion, if you have nothing then you can skip it. Why you wasting your time here ?

You are wasting your time because they have already denied your request.
HDFC is not as liberal in making your card LTF, instead they will close your card.

 

[s1t2y3a3m6]

You are wasting your time because they have already denied your request.
HDFC is not as liberal in making your card LTF, instead they will close your card.

They denied to upgrade business money back to millennia for 40 times, forced them to upgrade and they did it in which technofino members suggetion helped a lot.
Everything is possible in bank. They denied it first time is not a line of rule which they can't cross till death.

So If you have no suggestion regarding this then just skip it.

 

[Nishan11]

Zara mujhe koi ye batao ki Tata Neu se Millennia me jaane ka koi uppay hai?🙂🤦

Yes I got the option after mailing grievance redressal & showing my spends in 11 months on tata neu card, which was around 3 L.

Minimum limit on tata neu card should be 1 L for millenia upgrade.

They asked me to send card upgrade form by scanning. Keep trying, you will succeed.

 

[yusuf646]

Yes I got the option after mailing grievance redressal & showing my spends in 11 months on tata neu card, which was around 3 L.

Minimum limit on tata neu card should be 1 L for millenia upgrade.

They asked me to send card upgrade form by scanning. Keep trying, you will succeed.

I think closing the Tata Neu Card will be a better option because LE may take another 1 or 2 years🤦

 

[Nishan11]

I think closing the Tata Neu Card will be a better option because LE may take another 1 or 2 years🤦

You can send income documents by email or to their Chennai office, no harm in trying, closing the card to reapply is always the option.

 

[yusuf646]

You can send income documents by email

I don't have any. I tried sending other credit card statements & bank statements but they said they won't consider it.

 

[Nishan11]

I don't have any. I tried sending other credit card statements & bank statements but they said they won't consider it.

Yes they will only consider ITR/Salary slip & 3-6 month salary credit bank statement.

No c2c option to increase LE. Till early last year, they used to consider this at times, but completely stopped it now.

You should close the card & reapply.

 

[Premium]

I don't have any. I tried sending other credit card statements & bank statements but they said they won't consider it.

Dude how did you get 18 cards without any income doc? Can you share your journey?

 

[yusuf646]

Dude how did you get 18 cards without any income doc? Can you share your journey?

I apply for many credit cards, which is why I have 18, but it's not recommended to get so many cards because it will affect your finances. It's hard to manage and will impact your future ability to get cards or loans because banks will consider you highly leveraged, as @SSV mentioned.

My CIBIL journey started with BNPL cards. I had a few BNPL cards like Lazypay, MoneyView, and PostPe. Then I got a few pay-later options like Flipkart Pay Later, Paytm Postpaid, and ZestMoney.

My credit card journey started on May 20, 2022, when my first credit card, the Flipkart Axis Card with a 15K limit, was approved. I was so happy that day.

As time went on, I applied for many cards. A few got rejected, a few got approved, a few received LE offers, and a few cards got closed. Now I have 18 active cards, no loans, no BNPL cards & no pay laters.

 

[Garry]

They denied to upgrade business money back to millennia for 40 times, forced them to upgrade and they did it in which technofino members suggetion helped a lot.
Everything is possible in bank. They denied it first time is not a line of rule which they can't cross till death.

So If you have no suggestion regarding this then just skip it.

did you get any solution? I too am trying to get my millennia convert to LTF. mailed to pno but they denied.

 

[Fini7777]

did you get any solution? I too am trying to get my millennia convert to LTF. mailed to pno but they denied.

I requested to upgrade my mom's Bus Regalia to Millennia
1st time: Rejected
2nd time: Accepted

 

[iambidhan]

Trying to make 6m old Millennia LTF over email but facing denial only. Anyone got success with some tricks?

 

[Fini7777]

Update:
Converted millennia paid to LTF
After 2 emails they accepted my request

 

[Bhaskar]

Update:
Converted millennia paid to LTF
After 2 emails they accepted my request

What was your spend this year? And where did you mail? And age of your card?

 

[iambidhan]

Very random behaviour of HDFC. No clear eligibility criteria makes it frustating.