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Tata Neu plus to infinity

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!
 
For #5, try to upgrade mb+ to Millenia. Read my recent thread on it.
Thanks for replying mate. I have 91K limit on MB+, spends have been close to ~30k this year, will they actually upgrade?

How much was your limit on MB+? Did they do a cibil enquiry?


What do you recommend, closing the virtual card now and then going for the upgrade or keep the card as it is?
 
Thanks for replying mate. I have 91K limit on MB+, spends have been close to ~30k this year, will they actually upgrade?

How much was your limit on MB+? Did they do a cibil enquiry?


What do you recommend, closing the virtual card now and then going for the upgrade or keep the card as it is?
Read the thread it has all this info and better discuss there.
 
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