The months of April last year (2022) and May this year (2023) have turned out to be memorable ones for me. I shall concentrate more on May 2023 in this post. I am a credit card holder since 1999/2000 and the journey started with Citi Bank Credit Card in Pune. I'll talk about this journey in some other post but for the last couple years, ever since I became 'more Credit Card literate', I wanted to have HDFC Infina but it is an invite only card. Had Millennia for two years which got upgraded to Regalia but Infina wasn't anywhere in sight. Since I'm a HDFC prefferd customer, I asked my RM to get the approval but for the last one year+, I saw three RMs but none could get me the approval. Then one day I happened to watch @TechnoFino video on how to get Infinia. But I was not anywhere near in fulfilling the conditios which Sumanta described in his video.
Then on 06 Apr, I got a mail from Tata Neu that Infinity variant is being offered to me LTF. Knew the card isn't that great, but since it was LTF, I read couple of reviews and applied for the Rupay variant primarily for UPI linking. Video KYC was completed the same day and physical verification on 09 May, inspite of me being a HDFC account and card holder. I got to know around a week later that card application has been rejected as the bank wants me to submit an auto debit declaration. I submitted the declaration but the application got rejected again.
And in the meanwhile I realised that in the last six months, I had an expenditure of over 8 lakhs on Regalia, due to some commitments and my Credit Limit was already 8 Lakhs so I thought let me give it a try. So I filled up an application for Infinia, attached my 3 months salary slips along with bank statement (in which my salary gets credited) and sent it to Chennai office through Speed Post probably on 02/03 May. Though wasn't hopeful that it'll get through as I was informed by 2-3 bank reps looking after credit cards that an approval is necessary before I send the application.
And in this period my Tata Neu Infinity application was again rejected and customer care informed me that my application has been approved in principle but rejected again for auto debit declaration. I downloaded the form and sent the completed form to Chennai office through Speed Post on 06 May.
On 11 May while I was busy in office, i received a SMS from HDFC that a Credit Card has been despatched to my home address. Since I was busy and thought that it must be Tata Neu Infinity, I concentrated on my work without any excitement. At lunch I opened HDFC mob app and found 'M Infinia Metal' in cards section. I was excited, not because of Infinia but because of the completion of procedure. It's that feeling of satisfaction which one gets after successfully completing a task. On 12 May, the card got delivered at my address.
On 14 May, I got mail from Tata Neu that Tata Neu Infinity has been approved and digital card can be viewed in the Tata Neu App. Next day after setting up the PIN, linked it to UPI and started using it immediately.
I had PNB Gold card for the last 13/14 years. I hardly used it for the first couple of years but always had the card with me. After some analysis on the PNB website and on TechnoFino community, I thought I should get this upgraded/converted to PNB Select. On 15 May, I punched in the conversion request on PNB Genie and mailed my salary slips with the Service Request ID. On 17 May, on the PNB Genie App, I could see a new Credit Card linked to my account. On Genie, I could access the e-card and after setting the PIN, linked it to UPI and started using it. Though till date haven't yet received the physical card.
Therefore, in a happening week of May, I got three Credit Cards approved and I am happy using them.
Then on 06 Apr, I got a mail from Tata Neu that Infinity variant is being offered to me LTF. Knew the card isn't that great, but since it was LTF, I read couple of reviews and applied for the Rupay variant primarily for UPI linking. Video KYC was completed the same day and physical verification on 09 May, inspite of me being a HDFC account and card holder. I got to know around a week later that card application has been rejected as the bank wants me to submit an auto debit declaration. I submitted the declaration but the application got rejected again.
And in the meanwhile I realised that in the last six months, I had an expenditure of over 8 lakhs on Regalia, due to some commitments and my Credit Limit was already 8 Lakhs so I thought let me give it a try. So I filled up an application for Infinia, attached my 3 months salary slips along with bank statement (in which my salary gets credited) and sent it to Chennai office through Speed Post probably on 02/03 May. Though wasn't hopeful that it'll get through as I was informed by 2-3 bank reps looking after credit cards that an approval is necessary before I send the application.
And in this period my Tata Neu Infinity application was again rejected and customer care informed me that my application has been approved in principle but rejected again for auto debit declaration. I downloaded the form and sent the completed form to Chennai office through Speed Post on 06 May.
On 11 May while I was busy in office, i received a SMS from HDFC that a Credit Card has been despatched to my home address. Since I was busy and thought that it must be Tata Neu Infinity, I concentrated on my work without any excitement. At lunch I opened HDFC mob app and found 'M Infinia Metal' in cards section. I was excited, not because of Infinia but because of the completion of procedure. It's that feeling of satisfaction which one gets after successfully completing a task. On 12 May, the card got delivered at my address.
On 14 May, I got mail from Tata Neu that Tata Neu Infinity has been approved and digital card can be viewed in the Tata Neu App. Next day after setting up the PIN, linked it to UPI and started using it immediately.
I had PNB Gold card for the last 13/14 years. I hardly used it for the first couple of years but always had the card with me. After some analysis on the PNB website and on TechnoFino community, I thought I should get this upgraded/converted to PNB Select. On 15 May, I punched in the conversion request on PNB Genie and mailed my salary slips with the Service Request ID. On 17 May, on the PNB Genie App, I could see a new Credit Card linked to my account. On Genie, I could access the e-card and after setting the PIN, linked it to UPI and started using it. Though till date haven't yet received the physical card.
Therefore, in a happening week of May, I got three Credit Cards approved and I am happy using them.
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