Need suggestion to optimize my credit card portfolio

[Nishan11]

My current card portfolio:-

Axis Airtel : Limit 10 L ( Paid )

Axis Atlas :- Limit 10 L ( Paid )

Axis Privilege :- 10 L ( Closed after creating this thread)

Icici Amazon :- Limit 10 L ( LTF )

Sbi simply click :- Limit 4.7 L ( LTF )

Sbi Vistara:- 3.7 L ( Closed after creating this thread )

Hdfc Tata Neu infinity :- Limit 5 L ( LTF )

ICICI MMT SIGNATURE : Limit 10 L ( Paid JF, now LFT )

Icici Platinum :- 10 L ( Closed after creating this thread )

KOTAK PVR INOX :- Limit 2.10 L ( LTF )

BOB Eterna :- Limit 3 L ( Paid )

Bob Snapdeal :- 3 L ( Closes after creating this thread )

PNB Rupay Select :- 2 L

ICICI EMERALDE PVC :- 10 L

ICICI EMERALDE METAL :- 23 L

IDFC VISTARA :- 5 L

HDFC MARRIOTT BONVOY :- 5 L


Note :- During closing of Hdfc Tata Neu & Marriott, I gave them reason of not getting DCB upgrade. They got back to me & accepted my request for FYF DCB Metal. 🥳





Spouse credit card :-

1. HDFC Infinia Metal :- 21L ( Paid )

2. Axis Vistara Signature:- 15 L ( Paid )

3. Amex Platinum Travel:- 8 L ( Paid )

4. SBI Elite :- 7 L ( LTF )

Icici & axis have created multiple accounts in cibil because I have taken their multiple cards. And some cards don't add value anymore in my opinion.

I am considering closing, Kotak PVR, IDFC Vistara, SBI Vistara, Icici Mmt-platinum-sapphiro, Emeralde PVC.

Any suggestion or advise will be appreciated. Planning to do by this year.

 

[Nishan11]

For Axis Privilege they offered Miles or Edge rewards?

Edge rewards....sorry I messed up

 

[Nishan11]

SBI limit cannot be transferred, they stopped doing so a long time ago.

They are still doing this. I did on Tuesday. And closed card on Wednesday.

 

[BVCBVC is verified member.]

Edge rewards....sorry I messed up

Yea for a second I was shocked. Anyways good deal. You can actually take it and close it after 15 days.

 

[BVCBVC is verified member.]

They are still doing this. I did on Tuesday. And closed card on Wednesday.

From which card to which card?? Because recently my brother request denied. he tried from Elite to Cashback.

 

[Nishan11]

From which card to which card?? Because recently my brother request denied. he tried from Elite to Cashback.

I did from vistara to simplyclick. Then closed vistara.

Maybe they are not doing for Cashback as most are requesting for that only.

 

[BVCBVC is verified member.]

I did from vistara to simplyclick. Then closed vistara.

Maybe they are not doing for Cashback as most are requesting for that only.

Last time worked. Sometimes it’s a hit and miss.

 

[sidpsidp is verified member.]

Emeralde metal is highest variant among ICICI cards in my portfolio. It's FYF.
Will close pvc & sapphiro.

I was asking you to keep your highest variant ltf icici cc. When they devalue epm further, paid EPM might not be worth the fee & you might want to close the cc. You might not get sapphiro/emerald pvc as ltf at that time. This will lead to closure of your old cibil account hampering cibil score. So better to keep one ltf gemstone cc even if you don't use it. Anyway all icici gemstone cc should be under 1 cibil account. So number of active gemstone cc doesn't matter.

 

[Nishan11]

Today I have mailed grievance team about closing of Tata neu infinity & mariott card. And if they want me to reconsider, I will take DCB Metal. Else close both cards.

No harm in trying 😂
Will update their answer.

 

[aniketkr.sharma]

Today I have mailed grievance team about closing of Tata neu infinity & mariott card. And if they want me to reconsider, I will take DCB Metal. Else close both cards.

No harm in trying 😂
Will update their answer.

Awesome, if your usage on both cards are high they will definitely consider

 

[BVCBVC is verified member.]

Today I have mailed grievance team about closing of Tata neu infinity & mariott card. And if they want me to reconsider, I will take DCB Metal. Else close both cards.

No harm in trying 😂
Will update their answer.

Waiting for the update. 😋😋 They might consider if spends are high.

 

[helloworld]

Today I have mailed grievance team about closing of Tata neu infinity & mariott card. And if they want me to reconsider, I will take DCB Metal. Else close both cards.

No harm in trying 😂
Will update their answer.

I thought you're travel person and based on previous posts marriott person. Why closing that?

 

[BVCBVC is verified member.]

I thought you're travel person and based on previous posts marriott person. Why closing that?

Giving a try to sacrifice of Marriott card for Diners Metal. If they don’t budge he can reconsider holding it.

 

[Nishan11]

I thought you're travel person and based on previous posts marriott person. Why closing that?

As told by @BVC , just taking my chances of getting DCB Metal by sacrificing marriott along with tata neu infinity.

If it works fine, if not, I will keep marriott & cancel infinity.

 

[Nishan11]

@BVC @aniketkr.sharma @helloworld

Update :- My risk of placing closing request of marriott along with tata neu paid off. They have offered me FYF DCB Metal. 🥳

I have given consent. Will update more later.

Last 6 month spend were around 5L.

 

[BVCBVC is verified member.]

@BVC @aniketkr.sharma @helloworld

Update :- My risk of placing closing request of marriott along with tata neu paid off. They have offered me FYF DCB Metal. 🥳

I have given consent. Will update more later.

Last 6 month spend were around 5L.

Wow that's great. What's the CL on both the cards together??

 

[aniketkr.sharma]

@BVC @aniketkr.sharma @helloworld

Update :- My risk of placing closing request of marriott along with tata neu paid off. They have offered me FYF DCB Metal. 🥳

I have given consent. Will update more later.

Last 6 month spend were around 5L.

Congratulations brother 🥳

 

[Nishan11]

Wow that's great. What's the CL on both the cards together??

CL is 5 L. Both shared same limit. They upgraded my Tata Neu infinity to DCB Metal FYF. So I can keep marriott. But I will not keep it. I may opt for platinum travel next year.

 

[helloworld]

@BVC @aniketkr.sharma @helloworld

Update :- My risk of placing closing request of marriott along with tata neu paid off. They have offered me FYF DCB Metal. 🥳

I have given consent. Will update more later.

Last 6 month spend were around 5L.

Congrats

Now, which card they upgraded dcb? if I assume it should be Marriott because of same network and you still can have Tatanue.

 

[Nishan11]

Congrats

Now, which card they upgraded dcb? if I assume it should be Marriott because of same network and you still can have Tatanue.

Thank you. 😊

Surprisingly, they upgraded tata neu infinity to DCB Metal FYF.

 

[BVCBVC is verified member.]

Thank you. 😊

Surprisingly, they upgraded tata neu infinity to DCB Metal FYF.

I was expecting that only. Now ask them to convert Marriott card to Millinea or Tata Neu Infinity after the DCB Metal is generated and delivered (if you need so).