Thoughts on closing Moneyback and Tata neu with low limit and no LTF upgrades

[Buttman]

So I have a Moneyback cc and a Tata neu plus cc with combined limit of 86k

I recently received an offer to upgrade to Millenia but it is FYF and not LTF

I mailed the grievance team and the case handler is very persistent in not providing me an upgrade to LTF Millenia due to internet criteria ( I don’t use Moneyback much cuz it’s a really bad card)

In my reply I have asked them to at least offer me a limit enchantment citing that my other cards have a much better limit and are ltf. I can provoke a statement for their reference if needed.
I have also threatened to close the card in case they cant offer me a limit enchantment or an LTF upgrade.

What are the chances that they will close the card? XD

Also in case the close the card, having another co branded card will have any impact on new application or would I need to close the Tata neu plus care as well before reapplying for Hdfc card again.

When can I re-apply for Hdfc cc in general after closure of existing ccs?

Most of my cards have a decent limit ( upwards of 300-400k) while Moneyback has a limit of 86k only.

Anyone has any experience with this?

 

[Rohith-2009]

So I have a Moneyback cc and a Tata neu plus cc with combined limit of 86k

I recently received an offer to upgrade to Millenia but it is FYF and not LTF

I mailed the grievance team and the case handler is very persistent in not providing me an upgrade to LTF Millenia due to internet criteria ( I don’t use Moneyback much cuz it’s a really bad card)

In my reply I have asked them to at least offer me a limit enchantment citing that my other cards have a much better limit and are ltf. I can provoke a statement for their reference if needed.
I have also threatened to close the card in case they cant offer me a limit enchantment or an LTF upgrade.

What are the chances that they will close the card? XD

Also in case the close the card, having another co branded card will have any impact on new application or would I need to close the Tata neu plus care as well before reapplying for Hdfc card again.

When can I re-apply for Hdfc cc in general after closure of existing ccs?

Most of my cards have a decent limit ( upwards of 300-400k) while Moneyback has a limit of 86k only.

Anyone has any experience with this?

Please share your income documents and ask. Grievance team is good for me. They always provide a positive response if I threaten to close account and card

 

[Buttman]

Please share your income documents and ask. Grievance team is good for me. They always provide a positive response if I threaten to close account and card

I’m self employed so ITR is less as i can show deductions and show lees inhand income.

 

[Rohith-2009]

I’m self employed so ITR is less as i can show deductions and show lees inhand income.

Hdfc doesn't increase limit without income documents.

 

[Buttman]

Hdfc doesn't increase limit without income documents.

And they would hit cibil?

 

[binno]

And they would hit cibil?

No

 

[binno]

So I have a Moneyback cc and a Tata neu plus cc with combined limit of 86k

I recently received an offer to upgrade to Millenia but it is FYF and not LTF

I mailed the grievance team and the case handler is very persistent in not providing me an upgrade to LTF Millenia due to internet criteria ( I don’t use Moneyback much cuz it’s a really bad card)

In my reply I have asked them to at least offer me a limit enchantment citing that my other cards have a much better limit and are ltf. I can provoke a statement for their reference if needed.
I have also threatened to close the card in case they cant offer me a limit enchantment or an LTF upgrade.

What are the chances that they will close the card? XD

Also in case the close the card, having another co branded card will have any impact on new application or would I need to close the Tata neu plus care as well before reapplying for Hdfc card again.

When can I re-apply for Hdfc cc in general after closure of existing ccs?

Most of my cards have a decent limit ( upwards of 300-400k) while Moneyback has a limit of 86k only.

Anyone has any experience with this?

I recently got my limit to 150k from 100k
And then
I requested them to upgrade my moneyback ltf to millennia ltf
So this is what i got in reply :

 

[Tejo]

So I have a Moneyback cc and a Tata neu plus cc with combined limit of 86k

I recently received an offer to upgrade to Millenia but it is FYF and not LTF

I mailed the grievance team and the case handler is very persistent in not providing me an upgrade to LTF Millenia due to internet criteria ( I don’t use Moneyback much cuz it’s a really bad card)

In my reply I have asked them to at least offer me a limit enchantment citing that my other cards have a much better limit and are ltf. I can provoke a statement for their reference if needed.
I have also threatened to close the card in case they cant offer me a limit enchantment or an LTF upgrade.

What are the chances that they will close the card? XD

Also in case the close the card, having another co branded card will have any impact on new application or would I need to close the Tata neu plus care as well before reapplying for Hdfc card again.

When can I re-apply for Hdfc cc in general after closure of existing ccs?

Most of my cards have a decent limit ( upwards of 300-400k) while Moneyback has a limit of 86k only.

Anyone has any experience with this?

LoL, You are atleast getting millennia paid upgrade, there are people who didn't get even that.

If you have amex,axis,stanc send the statement based on that they can increase limit.

 

[binno]

So I have a Moneyback cc and a Tata neu plus cc with combined limit of 86k

I recently received an offer to upgrade to Millenia but it is FYF and not LTF

I mailed the grievance team and the case handler is very persistent in not providing me an upgrade to LTF Millenia due to internet criteria ( I don’t use Moneyback much cuz it’s a really bad card)

In my reply I have asked them to at least offer me a limit enchantment citing that my other cards have a much better limit and are ltf. I can provoke a statement for their reference if needed.
I have also threatened to close the card in case they cant offer me a limit enchantment or an LTF upgrade.

What are the chances that they will close the card? XD

Also in case the close the card, having another co branded card will have any impact on new application or would I need to close the Tata neu plus care as well before reapplying for Hdfc card again.

When can I re-apply for Hdfc cc in general after closure of existing ccs?

Most of my cards have a decent limit ( upwards of 300-400k) while Moneyback has a limit of 86k only.

Anyone has any experience with this?

Is it possible to change the case handler ?

 

[Buttman]

LoL, You are atleast getting millennia paid upgrade, there are people who didn't get even that.

If you have amex,axis,stanc send the statement based on that they can increase limit.

Icici works as well? Icici has the highest limit among the cards i have. ( except scapia is higher but it’s a new card )

 

[Buttman]

Is it possible to change the case handler ?

Not sure! Anyone has any exp with that?

 

[binno]

Not sure! Anyone has any exp with that?

I guess the service request would last for about 1-2 weeks then they close it

So if you can try a month later .. Ig that can help

 

[AlgoTrader]

I recently got my limit to 150k from 100k
And then
I requested them to upgrade my moneyback ltf to millennia ltf
So this is what i got in reply :
View attachment 30732

this is fairly easy right? just set a smartpay for the lowest bill you got?

 

[binno]

this is fairly easy right? just set a smartpay for the lowest bill you got?

Yea i did .. And they confirmed me .. That its registered .. And now in process .. But they explicitly mentioned that ltf till smartpay .. Though RM said once ltf then i can remove

 

[Buttman]

Yea i did .. And they confirmed me .. That its registered .. And now in process .. But they explicitly mentioned that ltf till smartpay .. Though RM said once ltf then i can remove

I am not even given this option.

 

[Buttman]

I guess the service request would last for about 1-2 weeks then they close it

So if you can try a month later .. Ig that can help

But maybe my threat can result in them closing the card. If I don’t get any resolution then I’ll just stop replying and re-initiate after a month maybe

 

[binno]

I am not even given this option.

I think i got it as i explicitly asked for it .. I mentioned that if there is any such conditionality like smartpay biller or spending milestone .. Please let me know

 

[AlgoTrader]

I think i got it as i explicitly asked for it .. I mentioned that if there is any such conditionality like smartpay biller or spending milestone .. Please let me know

cool

 

[D₹V]

Get FYF & then request for LTF dude.

 

[Tejo]

Icici works as well? Icici has the highest limit among the cards i have. ( except scapia is higher but it’s a new card )

I don't they will accept icici. But you can try.