How to procure HDFC Swiggy Credit Card Lifetime Free (LTF) ?? - Hit & Miss

[D₹V]

How to procure HDFC Swiggy Credit Card Lifetime Free (LTF) ??

Steps:

1. Apply Swiggy card (chargeable) from HDFC Portal via Cashkaro (1500₹ Amazon GV) or any other rewarding affiliate.

2. Once your card is delivered, don't activate/set PIN/add to netbanking.

3. On 27-30th day, you'll get call, he/she will offer you LTF offer & send a SMS to activate card via missed call 🤙 & keep it as lifetime free 🆓.



4. Since you have 30 days to activate the card, so no worries in trying this trick 😅.

5. Now email HDFC Bank & ask about LTF status. Boom 💥 your card is LTF now 🔥.

P.s. this is a hit & miss offer. You might or not get the LTF offer. So try only if you want it badly. Don't blame me later 🫠.

Thanks ❤️ to Rahul Diwan [from Fintalks] for letting us know the trick.

 

[D₹V]

No tricks it will take time

This month I'm trying this shit.

Let's see if it goes around 800 or not 😎.

Due to usage report even 5-10% my CIBIL went drastically down while 0 impact on enquiries.

 

[aayusharyan]

Paylater rakhe ho?
Itna kam kaise hua?

Bro, BNPL reduces the Credit Score, but not this much I think.
(Because I also have multiple BNPL lines, Uni, LzPay, APay, PayTMPost)

 

[Akashn]

Paylater rakhe ho?
Itna kam kaise hua?

Abhi nahi h. Close kar diya. Flipkart pay later tha aur uska kuch dues tha 100-200 rs jo pay kar nahi paya coz they blocked my account. 1-1.5 saal tak waise hi tha dhyaan nahi diya.. fir December 2022 mai IDFC ke piche lag ke close karwaya. Toh cibil f*cked up. Ab cards journey shuru kiya hu iss saal. Train 749 pe aake ruk gayi hai.

 

[aayusharyan]

aur uska kuch dues tha 100-200 rs jo pay kar nahi paya coz they blocked my account.

This would be a potential reason for low score... On time payments are super important.

 

[RishiKiDev]

This month I'm trying this shit.

Let's see if it goes around 800 or not 😎.

Due to usage report even 5-10% my CIBIL went drastically down while 0 impact on enquiries.

I have observed that increase CIBIL score depends on the oldest credit account.

For example my father has 17 years old credit history and he has only 3 credit cards with 5L limit each. He only used consumer loans and personal loans. With zero late payments.
His cibil score is now at 814.

While me having 5 years old cibil history have multiple credit cards and one consumer loan with zero late payments yet my score doesn't go above 791 since last 6 months.

 

[Akashn]

This would be a potential reason for low score... On time payments are super important.

Yeah. learned it the hard way

 

[D₹V]

@D₹V Bhai any similar way/trick to make Axis ace ltf?

No way.

They can reverse annual fees max.

 

[RishiKiDev]

Abhi nahi h. Close kar diya. Flipkart pay later tha aur uska kuch dues tha 100-200 rs jo pay kar nahi paya coz they blocked my account. 1-1.5 saal tak waise hi tha dhyaan nahi diya.. fir December 2022 mai IDFC ke piche lag ke close karwaya. Toh cibil f*cked up. Ab cards journey shuru kiya hu iss saal. Train 749 pe aake ruk gayi hai.

Late payment report kiya hai isliye kam hai. Ab toh wait karo bas zyada kuch kar nahi sakte. 6-7 years tak toh dikhega wo CIBIL mein

 

[raghu.rokda]

BNPL reduces the Credit Score

That’s a myth
I have 8 pay later account
My cibil doesn’t affect

 

[Akashn]

@D₹V why are you hehe reacting? 😡
Its not funny

 

[Jackk]

No way.

They can reverse annual fees max.

Need to request to customer support for that or any SOP?

 

[D₹V]

I have observed that increase CIBIL score depends on the oldest credit account.

For example my father has 17 years old credit history and he has only 3 credit cards with 5L limit each. He only used consumer loans and personal loans. With zero late payments.
His cibil score is now at 814.

While me having 5 years old cibil history have multiple credit cards and one consumer loan with zero late payments yet my score doesn't go above 791 since last 6 months.

As oer CIBIL, only 2 enquiries per year is recommended that's what your father followed.

And what we do here? 10-15 enquiries in a month! Lol 😂

 

[aayusharyan]

I have observed that increase CIBIL score depends on the oldest credit account.

For example my father has 17 years old credit history and he has only 3 credit cards with 5L limit each. He only used consumer loans and personal loans. With zero late payments.
His cibil score is now at 814.

While me having 5 years old cibil history have multiple credit cards and one consumer loan with zero late payments yet my score doesn't go above 791 since last 6 months.

It's a long term game. I think these short term adjustments like closing BNPL might bump up the score by a few points. But in the long run it wouldn't matter. Highest Weightage is Payment History, Credit Duration and Utilisation.
I may be wrong, but I am willing to take chances with my Credit Profile for the next few years to see. 🤷‍♂️

 

[RishiKiDev]

As oer CIBIL, only 2 enquiries per year is recommended that's what your father followed.

And what we do here? 10-15 enquiries in a month! Lol 😂

Totally agree with you 😂

 

[aayusharyan]

That’s a myth
I have 8 pay later account
My cibil doesn’t affect

I know, I believe so too which is opposite to many members of this forum. But oh well. My choices, my credit score. 🙂

 

[RishiKiDev]

I know, I believe so too which is opposite to many members of this forum. But oh well. My choices, my credit score. 🙂

Actually it did affect because early on most of these Paylaters didn't report correctly to CIBIL so many people got their scores hit

 

[aayusharyan]

10-15 enquiries in a month! Lol

What have I done to you, why are you attacking me like that. /s




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Jokes hai Bhaaya. All good. 😉

 

[D₹V]

Need to request to customer support for that or any SOP?

Call customer care & ask to connect with retention team.

They'll reverse the fees. Say them that I was earlier to call after charges reflect in statement, then call us, we'll refund.

 

[aayusharyan]

Actually it did affect because early on most of these Paylaters didn't report correctly to CIBIL so many people got their scores hit

Yeah, that might be a valid reason.

 

[D₹V]

What have I done to you, why are you attacking me like that. /s
View attachment 35917



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Jokes hai Bhaaya. All good. 😉

I'm not attacking you.
You're talking udta teer 😒

/S.