MrJJ
TF Ace
In GPay there is a score simulator to check change in cibil from account close.
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PAYZAPP - Surprisingly Slick
- Thread starter Zacobite
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Deleted member 27665
TF Premier
I have CIBIL annual subscription and monitor my credit score on a daily basis. I had closed my oldest credit card 1.5 years back. My current CIBIL score is 806.
HumorSimpson
TF Prestige
Wait for 2 more years to convert that into voter card.May be 16 years by now.., guruji @4uziaul?? ,
Note: I am not rubbing salt on the preexisting 15 year old wound!!
sidp
TF Legend
Feels like how in US blacks and Jews argue : who is more oppressed. we also have same issue here.
sidp
TF Legend
Bill pay is decent. Mostly 20rs cashback.
HumorSimpson
TF Prestige
That is not an oppression, but self satisfaction.Feels like how in US blacks and Jews argue : who is more oppressed. we also have same issue here.
That's good to know. But I do have another issue in closing my 9year-old Moneyback card: as I have mentioned above, it has a large CL. I don't want to lose that for obvious reasons (like how it could come in handy in an emergency).
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Feels like how in US blacks and Jews argue : who is more oppressed. we also have same issue here.
... Now be a man, and come out and say it: who are plain and who are + ?
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sidp
TF Legend
I am the real oppressed with no hdfc cc.... Now be a man, and come out and say it: who are plain and who are + ?
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after maintaining preferred and high variant accounts.I am the real oppressed with no hdfc cc.
You feel oppressed that you don't have the same headache as the rest of us?!
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Deleted member 27665
TF Premier
If you want to retain the credit limit then you have no other option but to accept the current credit card which you hold from HDFC even if the bank is not eager to provide you with a credit card upgrade.
That's exactly what I'm doing.
... And HDFC has no other option than to accept the situation that my card would see only occasional use, whether or not it makes any business sense for them!
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sidp
TF Legend
Have you tried sharing the statement of cc with highest usage ?That's exactly what I'm doing.
... And HDFC has no other option than to accept the situation that my card would see only occasional use, whether or not it makes any business sense for them!
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Saying if they give any rewarding cc like dcb/infinnia or even regalia gold, youll transfer some spend. Which will be beneficial for both party.
Sometimes I feel like hdfc has given way too much power to the Chennai office.
HumorSimpson
TF Prestige
Can I share my IDFC Wealth CC statements of 3 months for the fight ?
No, not directly. But they do have all the information they need if they care to track their BillPay data!
Deleted member 27665
TF Premier
HDFC gives importance to Axis, SCB, HSBC and SBI credit card statements for manual LE request. Few more banks are there but I do not remember them.
sidp
TF Legend
I don't think hdfc systems are advance enough to notice that.No, not directly. But they do have all the information they need if they care to track their BillPay data!
Send mail to MD desk. Not cc. Your hdfc relationship, cc portfolio ( mention the premium cards), share statement of highest used/cl card, bank statement, 3m salary slip/itr. Mention why would you use mb when you already have much rewarding options.
Ask for dcb/infinnia. At least you'll get a regalia gold. Don't ask for regalia gold, they might upgrade to millennia or even mb+.
HumorSimpson
TF Prestige
What if they hound me for moving my salary account to theirs back ?I don't think hdfc systems are advance enough to notice that.
Send mail to MD desk. Not cc. Your hdfc relationship, cc portfolio ( mention the premium cards), share statement of highest used/cl card, bank statement, 3m salary slip/itr.
Ask for dcb/infinnia. At least you'll get a regalia gold. Don't ask for regalia gold, they might upgrade to millennia or even mb+.
Keyword : INFINIAFIGHT
sidp
TF Legend
Sure why not. They mention 6m spend on their card for upgrade. You need to convince them mb+ isn't rewarding enough to use. Why would you use that, when you have much better option.
But isn't your mb+ spend already high?
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