That's always my way of doing things...
Stay calm .. plan well .. gather all the facts... execute to the perfection...
For example: HDFC..
Opened the account in April last year, waited patiently for 6 months with about 15L TRV...
they gave me crappy MB upto 1.25L.. never took any card from them .. didnt tempt for Tata Neu card also even though it was offered LTF..
Stayed HDFC virgin until the last minute..
Took the ULIP. got my first ever HDFC card in the form of Infininia Metal FYF initally, and within 2 months converted it into Infnia Metal LTF...
My first ever HDFC cc transaction was on Infinia.. never spent anything on any other HDFC CC...
for this , I needed to wait for 8 months, and plan all different things..
Now, I got Imperia, Inifina, and soon a free locker...
In a traditional route , this would take some where around 5 to 8 years in a typical case...
Note; I had to go thru ULIP route because, I reduced my work for the last couple of years and my ITR is only around 20L( due to Covid Health reasons)..
. so ITR way was ruled out for me..
In the next few years my ITR will peak again...