Is there any point in keeping Yes Bank CC

[rp0703]

I have Yes Bank Prosperity Plus Rewards card with 40K Limit. Agent told me it’s LTF card with just joining fee of Rs. 399 + GST, which would be reversed if spent Rs. 10,000 within 90 days of card issuance. So I applied for this card. But I later found out that it has Annual Fee of Rs. 399 + GST. Then I asked customer care to convert the card to LTF or give me another card which is LTF. But they refused and said there's currently no offer in your account and told me to use the card to get the offer. So started using the card a couple of days ago and only did 3 transactions, and they blocked it claiming there was some suspicious transaction attempted on the card. Placed request to unblock the card, but it's still not activated. I'm thinking of closing this card.

As I have other cards also, So should I close this card?

 

[PavanPavan is verified member.]

DO you have any plans to to take loans from Yes bank ? or do you have savings account with yes bank
If no then please close 🙂

 

[rp0703]

DO you have any plans to to take loans from Yes bank ? or do you have savings account with yes bank
If no then please close 🙂

No bank account with yes bank and no plan of taking loan.

 

[anish1516]

There's no point in keeping this card if it's not LTF. By paying just 500 rs instead of 400 you can get much better cards.

 

[rp0703]

There's no point in keeping this card if it's not LTF. By paying just 500 rs instead of 400 you can get much better cards.

Are you talking about other banks card or Yes bank cards with 500 annual fee?

 

[anish1516]

Are you talking about other banks card or Yes bank cards with 500 annual fee?

Other bank cards.

 

[rp0703]

Other bank cards.

I have other card. Will request them one more time for converting this to LTF. If they did not, then going to close this. Thanks