Always look for the silver lining: like how you could still be better off than many others like myself, -- holding a plain vanilla MB CC for 9 years (albeit with a large CL, -- useless since it goes with a Moneyback card) -- with no upgrade offers, ever!
... And I am an Imperia customer too!
In mitigation though, I must admit, HDFC does try to massage my ego from time to time that only 10% select customers of theirs are qualified for such large LEs!
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