Need guidance from LTF cards to premium

[Strange]

Samsung Galaxy S24 Ultra user? 🤔

Normal chat gpt user. 🤣

 

[EternallyHopeful]

Jab itna bada post likhe to questions ko highlight kar diya karein... Main objective miss ho jaata hai

Thank you.. It was my first post.. Next time, I'll make sure to do that..

 

[EternallyHopeful]

The user outlines their queries and seeks guidance on the following points:

1. Strategy for obtaining better credit cards:
   • Whether to focus on obtaining more lifetime free (LTF) cards or wait for pre-approved offers.
   • Whether to aim for paid cards initially and then request upgrades to LTF or better cards.
   • Exploring the C2C method for acquiring lower or mid-premium cards with favorable terms.
2. Recommendations for additional credit cards based on their profile and spending habits for the year 2024.

The user acknowledges their relatively low spending capacity and seeks advice on maximizing their credit card benefits within their constraints.

Overall, the user seeks comprehensive advice and strategies from the TF community to optimize their credit card portfolio and enhance their financial well-being.

That's such a great summary.. Even I couldn't have summarized this well..

 

[HumorSimpson]

You can create your own card....
Like these....
My own designs....
Created by me.... In 10/2023.

వడ్డీ కాసుల వాడికి, క్రెడిట్ కార్డుల తో సరైన నీరాజనం

 

[Shoxie]

That's such a great summary.. Even I couldn't have summarized this well..

Lol, that was created by chatgpt if you don't know.

 

[Pack_of_Cards]

Credit Card Portfolio:
(1) Amazon Pay ICICI: (5.2 L) (LTF) (3 Y 6 M old)
(2) Au LIT: (70K) (LTF) (6 M old)
(3) Axis Neo: (3L) (LTF) (5 M old)
(4) IndusInd Visa Platinum: (5L) (LTF) (4 M old)
(5) HSBC Visa Platinum: (1.5L) (LTF) (3 M old)
(6) PNB Select Rupay: (1L) (LTF - have to use it once a quarter) (3 M old)
(7) Standard Chartered Visa Platinum: (3.25L) (LTF) (2 M old)
(8) BoB Premier Visa: (2L) (LTF) (3 M old)

Spends on cards:
My spends are not much. They are mainly groceries, utility bills/recharges, occasional online/offline shopping and occasional train/flight bookings. I don't order food online that much. My spends don't allow me, on the whole, to go for conditional fee-waiver cards as I won't be able to recover the fee as far as I can see.​

You have spends in grocery, so just replace HSBC plat with HSBC cashback, I know its paid but you will recover fee in 2-3 months alone just by spending on groceries and occasionally on food, rest you have sufficient cards for your needs.

 

[EternallyHopeful]

You have spends in grocery, so just replace HSBC plat with HSBC cashback, I know its paid but you will recover fee in 2-3 months alone just by spending on groceries and occasionally on food, rest you have sufficient cards for your needs.

Alright. I'll look into it. Thanx for the suggestion

 

[its_karan]

Lol, that was created by chatgpt if you don't know.

ChatGPT RN:

 

[harsha1]

You can create your own card....
Like these....
My own designs....
Created by me.... In 10/2023.

Are these 3 cards or you have changed the picture background before finalizing? Is it free or chargeable?

 

[RAMESH BABU N]

Are these 3 cards or you have changed the picture background before finalizing? Is it free or chargeable?

3 designs created by me in 10/2023. Used one of them.
Chargeable.