LTF Offer of HDFC bank

[vipin123]

Previously I had HDFC Money Back + Credit Card with 50K limit.
I closed after 6 months used in April 2024 . Having 1.80 lakh FD with them and maintaining 20K approx MAB.
For the First time I got this banner in my email ,
Waiting for LTF card
What does mean of this banner & probably how many time to wait after this for getting LTF offer
Cibil 785
Any one please.

 

[gg123]

that is for preapp offer..but for me agents call and say will give u ltf cc

And they will process paid card xD

 

[shivamk]

that is for preapp offer..but for me agents call and say will give u ltf cc

Umm not sure those third party agents can be trusted or not

 

[Arkapal Sen]

Umm not sure those third party agents can be trusted or not

exactly..many called me,..even today also..but i said no..

 

[vipin123]

Previously I had HDFC Money Back + Credit Card with 50K limit.
I closed after 6 months used in April 2024 . Having 1.80 lakh FD with them and maintaining 20K approx MAB.
For the First time I got this banner in my email ,
Waiting for LTF card
What does mean of this banner & probably how many time to wait after this for getting LTF offer
Cibil 785
Any one please.

What if Break my FD and maintain 2lakh in my Savings Account,
Any benifit and loss of that ??
Benifit related to credit card ..

 

[Arkapal Sen]

What if Break my FD and maintain 2lakh in my Savings Account,
Any benifit and loss of that ??
Benifit related to credit card ..

u will get less interest..and for fd..bank will trust u more to give cc..and fd cc increases cibil too..best is break that fd..and take cc using that fd money..ur cibil will increase and u will get cc too

 

[vipin123]

u will get less interest..and for fd..bank will trust u more to give cc..and fd increases cibil too..best is break that fd..and take cc using that fd money..ur cibil will increase and u will get cc too

Bro I already have 4 credit cards and my CIBIL is 785 so I think it does not make sense to taking a fd backed credit card at this stage

 

[Arkapal Sen]

Bro I already have 4 credit cards and my CIBIL is 785 so I think it does not make sense to taking a fd backed credit card at this stage

then use the fd money in some other thing..keeping in account wont give u good return

 

[Ananthu113]

fd increases cibil too

Bro why are you giving false information? FD is an investment not a loan to increase the cibil

 

[Arkapal Sen]

Bro why are you giving false information? FD is an investment not a loan to increase the cibil

bro i said about fd on cc..since it will be secured card..will increases cibil..may be i should have written it fully..my mistake...

 

[deep@vie]

If new account then 4-5 months

Last month of quarter.

 

[Ananthu113]

bro i said about fd on cc..since it will be secured card..will increases cibil..may be i should have written it fully..my mistake...

Oh ok ok maybe u should write it fully.

 

[Arkapal Sen]

Oh ok ok maybe u should write it fully.

i have edited..thank you for pointing me vai

 

[GTSaketh]

Please update here once you're offered

They sent me email regarding credit cards for the first time.

Hopefully i get pre-approved offers too soon

 

[gg123]

View attachment 69255
They sent me email regarding credit cards for the first time.

Hopefully i get pre-approved offers too soon

Good luck man. Just out of curiosity what card are you looking to get?

 

[GTSaketh]

Good luck man. Just out of curiosity what card are you looking to get?

Millennia, Only if LTF tho