Should I close my Card and Reapply?

[RiddhiDeopura]

I have been using the HDFC MoneyBack+ Credit card for around 6 months now and have been spending around 10000 on it every month. I also maintain a TRV of 15 lakhs with HDFC. I got a call today saying that I'm preapproved for Regalia, Visa Indigo XL, etc. and all of them will be LTF too if I decide to apply. But of course after I told him that I already hold a credit card from HDFC he said that it won't be possible. I asked him if it is possible to upgrade, and to that he replied that it may be possible but he can't be sure and definitely can't say that it will be LTF. I asked him whether I should cancel my current credit card and reapply with the preapproved offers and he said that it would be possible, and I could even get LTF.

Should I do it?

 

[Rishabh]

Better chase your RM they have power to get Card upgrades done at-least to Regalia or Privilege (not for Infinia or Diners black), in case if RM deny for help then tell the RM you will not gonna maintain this TRV further.
I have got Diners Rewards card upgraded to LTF Regalia card via RM as per above process. RM will just need income documents to apply for upgrade.

 

[RiddhiDeopura]

Better chase your RM they have power to get Card upgrades done at-least to Regalia or Privilege (not for Infinia or Diners black), in case if RM deny for help then tell the RM you will not gonna maintain this TRV further.
I have got Diners Rewards card upgraded to LTF Regalia card via RM as per above process. RM will just need income documents to apply for upgrade.

>income documents

ah, but that's the thing. My annual income could easily make me applicable for the Infinia but I don't really get the 'income documents' in hand if you know what I mean. I earn from multiple sources and can't really record it all in my income docs. That's why I was considering reapplying.