Should I close current HDFC cc to get better LTF cc?

[Harjeevansingh]

Hey everyone,

I currently own multiple HDFC cc as mentioned below with combined limit of 2.5L -
Millennia LTF
Swiggy FTF (with next years fee waiver limit achieved)
Neu Infinity FTF (with next years fee waiver limit achieved)

I have these cards issued 2-3 years back when I had lesser salary, at that time I got millennia LTF.
Now, i have better salary 32L+ and I read somewhere(plus suggested by an agent) if I close all my HDFC cc now, then after few months I will be able to get c2c LTF cc from HDFC which can be regalia, diner privilege, or may be DCB (i dont think so, but agent assured).

Need suggestions that should I go ahead with above approach because ultimate aim is Infinia and for that 10L limit is needed which I am not able to get on above cards, i have tried multiple times. Want to make sure, above closing all HDFC cc wont have any negative impact on my relation with HDFC for future cc, loan or cibil.

Till that time I have other good cards which I am using primary which are Axis Select LTF(6L limit) , AU Zenith LTF (8L limit). So, it wont affect me much except for swiggy and big basket benefits.

TIA

 

[cardy]

Hey everyone,

I currently own multiple HDFC cc as mentioned below with combined limit of 2.5L -
Millennia LTF
Swiggy FTF (with next years fee waiver limit achieved)
Neu Infinity FTF (with next years fee waiver limit achieved)

I have these cards issued 2-3 years back when I had lesser salary, at that time I got millennia LTF.
Now, i have better salary 32L+ and I read somewhere(plus suggested by an agent) if I close all my HDFC cc now, then after few months I will be able to get c2c LTF cc from HDFC which can be regalia, diner privilege, or may be DCB (i dont think so, but agent assured).

Need suggestions that should I go ahead with above approach because ultimate aim is Infinia and for that 10L limit is needed which I am not able to get on above cards, i have tried multiple times. Want to make sure, above closing all HDFC cc wont have any negative impact on my relation with HDFC for future cc, loan or cibil.

Till that time I have other good cards which I am using primary which are Axis Select LTF(6L limit) , AU Zenith LTF (8L limit). So, it wont affect me much except for swiggy and big basket benefits.

TIA

First of all you have some of the very good credit cards of HDFC. So don't rush to close them.

Secondly you have met the waiver criteria for the two of the cards separately and I'm assuming if millennia was paid you also would have met the waiver criteria easily. So you are a good spender also.

Thirdly you have a very good pay check.

So there is no reason for any bank to refuse you for most of the cards.

I'll say you keep your others cards aside and channel your maximum spending on millennia card make a good spend and after a month request on grievance redressal mail to increase the limit, if required send documents to Chennai office. Once limit reaches more than the floor limit of your desired card ask for it after a good spend.

Surely they will consider. HDFC doesn't consider most of the request if there isn't a significant spending.

 

[Syed Adil Abbas]

Any reason why you converting that way? It attracts lot of interest

yeah i know 1.5 pm but i want to know is it true or false

 

[Ram1]

yeah i know 1.5 pm but i want to know is it true or false

Yeah that might be true. Never seen hdfc going after emi conversions desperately.
Long they launched one basic card which converts into emi automatically. Hdfc mainly targets loan on card

 

[Harjeevansingh]

First of all you have some of the very good credit cards of HDFC. So don't rush to close them.

Secondly you have met the waiver criteria for the two of the cards separately and I'm assuming if millennia was paid you also would have met the waiver criteria easily. So you are a good spender also.

Thirdly you have a very good pay check.

So there is no reason for any bank to refuse you for most of the cards.

I'll say you keep your others cards aside and channel your maximum spending on millennia card make a good spend and after a month request on grievance redressal mail to increase the limit, if required send documents to Chennai office. Once limit reaches more than the floor limit of your desired card ask for it after a good spend.

Surely they will consider. HDFC doesn't consider most of the request if there isn't a significant spending.

An update, grievance rejected the request and I replied them to close all my cards and they are closed now. Hoping to get new LTF Diner Black in coming few months.

 

[aniketkr.sharma]

First of all you have some of the very good credit cards of HDFC. So don't rush to close them.

Secondly you have met the waiver criteria for the two of the cards separately and I'm assuming if millennia was paid you also would have met the waiver criteria easily. So you are a good spender also.

Thirdly you have a very good pay check.

So there is no reason for any bank to refuse you for most of the cards.

I'll say you keep your others cards aside and channel your maximum spending on millennia card make a good spend and after a month request on grievance redressal mail to increase the limit, if required send documents to Chennai office. Once limit reaches more than the floor limit of your desired card ask for it after a good spend.

Surely they will consider. HDFC doesn't consider most of the request if there isn't a significant spending.

I have already spent more than 6 lacs within 5 months on Regalia gold ltf still they aren't considering to increase the limit or upgrade the card, it's your perspective that they gave you.

 

[rimtesh]

or may be DCB (i dont think so, but agent assured).

share number of this agent

 

[aniketkr.sharma]

An update, grievance rejected the request and I replied them to close all my cards and they are closed now. Hoping to get new LTF Diner Black in coming few months.

Don't dream they will block you internally, I had that condition I was not even getting millennia for 1 year and also when I went roughly for grievance people they made my card dormant event after outstanding balance, so don't mess with them too

 

[hedgehog2122]

An update, grievance rejected the request and I replied them to close all my cards and they are closed now. Hoping to get new LTF Diner Black in coming few months.

What is your strategy to get LTF Diners Black?

 

[Harjeevansingh]

What is your strategy to get LTF Diners Black?

My RM said and also I read at multiple places, that after 90 days of losing all cards you can apply again. I have their preferred banking program and my employer has tie up with HDFC, so there are high chances of getting LTF card using C2C or pre-approved. I can already see neu-infinity LTF, but i am gonna wait 90 days and then try C2C.

 

[Pissant]

It has been 7 months since I cancelled my HDFC Cards. Always maintain around 5-6lks in my Savings account yet all I get when I try to apply is:

'Sorry, We have no Credit Card Offers for you right now'

WTF

 

[aniketkr.sharma]

It has been 7 months since I cancelled my HDFC Cards. Always maintain around 5-6lks in my Savings account yet all I get when I try to apply is:

'Sorry, We have no Credit Card Offers for you right now'

WTF

Relatable to me approx 2 years ago I was in same trauma,

You have to go for cobranded with another mobile number then requesting grievance for core card. I followed this path and now having RG LTF

 

[aniketkr.sharma]

My RM said and also I read at multiple places, that after 90 days of losing all cards you can apply again. I have their preferred banking program and my employer has tie up with HDFC, so there are high chances of getting LTF card using C2C or pre-approved. I can already see neu-infinity LTF, but i am gonna wait 90 days and then try C2C.

Yeah cobranded is the route, you have to struggle now for core cards