Hritaban
TF Buzz
I recently got Neu Plus LTF while I wished for Infinity, I took it for my UPI spends as the HDFC Rupay virtual card is genuinely shite, so something is better than that.
I have a lot of jewellery expenses coming, most of them my mum will be buying from Tanishq as we have a good relationship with the shop. We'll do ~ 5-6 lakhs of purchase, but my card limit is only 91k. How to approach this conundrum?.
My questions are
1. If I spend full 91k of my limit onve or twice, will it impact the Cibil score? (778 - Cibil)
2. If I do intend to spend such a Large amount, should I inform bank before hand? if yes, then how (I mean through which channel)
3. If I intend to convert this card to Infinity, shall these 5~6 L spending be enough to make a case for me?
5. Does upgrade happen without closing the older card? I mean does upgrading the old card hamper one's cibil as it does while closing one?
5. Finally, rn I have 3 hdfc bank cards, MB+, Rupay virtual, Neu plus all three LTF, MB+ being my oldest, at some point I would want to upgrade all of these, so closing MB+ will hurt me the most, so shall I close the virtual rupay now? As I really don't see any use for it.
Thanks for taking your time to answer guys!
I have a lot of jewellery expenses coming, most of them my mum will be buying from Tanishq as we have a good relationship with the shop. We'll do ~ 5-6 lakhs of purchase, but my card limit is only 91k. How to approach this conundrum?.
My questions are
1. If I spend full 91k of my limit onve or twice, will it impact the Cibil score? (778 - Cibil)
2. If I do intend to spend such a Large amount, should I inform bank before hand? if yes, then how (I mean through which channel)
3. If I intend to convert this card to Infinity, shall these 5~6 L spending be enough to make a case for me?
5. Does upgrade happen without closing the older card? I mean does upgrading the old card hamper one's cibil as it does while closing one?
5. Finally, rn I have 3 hdfc bank cards, MB+, Rupay virtual, Neu plus all three LTF, MB+ being my oldest, at some point I would want to upgrade all of these, so closing MB+ will hurt me the most, so shall I close the virtual rupay now? As I really don't see any use for it.
Thanks for taking your time to answer guys!
