Kotak Secured Credit Card to Unsecured Credit Card

[dhiraz]

I Am Trying to Convert My Secured Credit Card to an Unsecured Credit Card and Draft a Mail for That Now Where to Send This Mail for Better Response?


Subject: Request to Convert Secured Credit Card to Unsecured Credit Card

Dear [Credit Card Company],

I am writing to request that my secured credit card be converted to an unsecured credit card. My secured credit card account number is [insert account number]. I have been using this card responsibly and consistently for [insert length of time], and I believe that I am now eligible for an unsecured credit card.

As you know, a secured credit card requires a security deposit as collateral to guarantee the credit limit. However, as I have been a reliable and trustworthy customer, I would like to request that this deposit be refunded and the card be converted to an unsecured credit card.

I understand that unsecured credit cards come with higher credit limits and offer greater flexibility, and I believe that I am now in a financial position to handle the responsibilities of an unsecured credit card.

Please let me know what steps I need to take to complete this process. I am willing to provide any additional information or documentation that you may require to support my request.

Thank you for your time and consideration. I appreciate your help and look forward to hearing from you soon.

Sincerely,

[Your Name]

 

[Tejo]

I Am Trying to Convert My Secured Credit Card to an Unsecured Credit Card and Draft a Mail for That Now Where to Send This Mail for Better Response?


Subject: Request to Convert Secured Credit Card to Unsecured Credit Card

Dear [Credit Card Company],

I am writing to request that my secured credit card be converted to an unsecured credit card. My secured credit card account number is [insert account number]. I have been using this card responsibly and consistently for [insert length of time], and I believe that I am now eligible for an unsecured credit card.

As you know, a secured credit card requires a security deposit as collateral to guarantee the credit limit. However, as I have been a reliable and trustworthy customer, I would like to request that this deposit be refunded and the card be converted to an unsecured credit card.

I understand that unsecured credit cards come with higher credit limits and offer greater flexibility, and I believe that I am now in a financial position to handle the responsibilities of an unsecured credit card.

Please let me know what steps I need to take to complete this process. I am willing to provide any additional information or documentation that you may require to support my request.

Thank you for your time and consideration. I appreciate your help and look forward to hearing from you soon.

Sincerely,

[Your Name]

Converting only to womens on request without income proof, not joke.

For your kind information they are not making secured to unsecured, it's only the limit enhancement. If fd closed the card will be closed.

Show itr -5lakhs or 30k+ salary slip, no active unsecured loans,10k+ fd with the bank.

nodalofficer@kotak.com

 

[Wealth is my birth right!]

Converting only to womens on request without income proof, not joke.

For your kind information they are not making secured to unsecured, it's only the limit enhancement. If fd closed the card will be closed.

Show itr -5lakhs or 30k+ salary slip, no active unsecured loans,10k+ fd with the bank.

nodalofficer@kotak.com

Lol
They became non gender neutrality bank then
I had bitter experiences when argued for a white reserve ltf based upon 12 yrs old account finally quit the relationship

 

[Piyush_Jaiswal]

Converting only to womens on request without income proof, not joke.

For your kind information they are not making secured to unsecured, it's only the limit enhancement. If fd closed the card will be closed.

Show itr -5lakhs or 30k+ salary slip, no active unsecured loans,10k+ fd with the bank.

nodalofficer@kotak.com

I can confirm this as my mother's dream different card was converted to kotak league cc and fd was returned (pre approved offer) (1 yr old, very good spends on cc, good transactions on 811 account, but maintained AMB of approx 500 only)

my sisters dream different card was given limit enhancement but fd was not returned (pre approved offer) (5 months old, negligible spends, negligible transaction on account, AMB 100 only, no family linking)

I tried mailing them earlier to upgrade to unsecured cc but they gave generic response of closing the card and then reapply.

 

[Tejo]

I can confirm this as my mother's dream different card was converted to kotak league cc and fd was returned (pre approved offer) (1 yr old, very good spends on cc, good transactions on 811 account, but maintained AMB of approx 500 only)

my sisters dream different card was given limit enhancement but fd was not returned (pre approved offer) (5 months old, negligible spends, negligible transaction on account, AMB 100 only, no family linking)

I tried mailing them earlier to upgrade to unsecured cc but they gave generic response of closing the card and then reapply.

Kotak is the only bank still follows traditional methods and principals.

Customer care was super awared all things, in other banks need to transfer issue from one to another.

Who wants to safe their money can choose kotak, nothing like rewards, pre approved offers etc. Pvr not available all over india. Also it has trusted insurance company.

Kotak securities has chit chat customer care too* need to improve a lot.

Axis, SBM, HDFC, SBI cards, Indusind are modern financial institutions.

 

[Piyush_Jaiswal]

Kotak is the only bank still follows traditional methods and principals.

Customer care was super awared all things, in other banks need to transfer issue from one to another.

Who wants to safe their money can choose kotak, nothing like rewards, pre approved offers etc. Pvr not available all over india. Also it has trusted insurance company.

Kotak securities has chit chat customer care too* need to improve a lot.

Axis, SBM, HDFC, SBI cards, Indusind are modern financial institutions.

But Kotak's NetBanking UI is much modern than other banks. 😂

 

[Tejo]

But Kotak's NetBanking UI is much modern than other banks. 😂

Because kotak lately updated to net banking and mobile banking. So anyone can assume.