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Upgraded BOB Premier to ETERNA LTF after 18 email chains

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it was not mentioned in the welcome kit but I just have that email just incase they charge for the card next year
 
@ank_sh1 Can you please share the Member Name from CIBIL enquiry section for BoB cards?

Is it BOB or BOBCARD or BOBFINANCIAL?


ank_sh1 said:
...and they did a cibil enquiry for that. I got the upper hand and diverted the mail chain to, why did you do a cibil enquiry without my consent. I asked them to either upgrade the card to Eterna LTF or revert the Cibil enquiry. This conversation went on for the next 3-4 weeks.
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I requested BOB to upgrade my premier (Feb 2024 acquired with 50k limit) card and they reverted back saying that I should wait for 1 year but apparently they did a CIBIL hit. Now, they are asking me for the CIBIL report to rectify the mistake. The war begins.
 
ank_sh1 said:
Hello all,

I finally got my BOB Premier card upgraded to BOB Eterna LTF. Total 18 Email conversations over the last 15 weeks. I had a limit of 1.5L with BOB Premier, had a long long conversation, and sent upgrade forms.

What worked for me was, that I once asked them what if I upgraded to BOB Eterna with Charge what would be my credit limit (Note: I just asked), and they did a cibil enquiry for that. I got the upper hand and diverted the mail chain to, why did you do a cibil enquiry without my consent. I asked them to either upgrade the card to Eterna LTF or revert the Cibil enquiry. This conversation went on for the next 3-4 weeks.

Finally today I got an email stating that they have upgraded my card to Eterna LTF with an enhanced limit of 2L.

I got many Ideas from the Technofino community. Thanks all

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Wow bro, nice
 
peregrine0falcon said:
I requested BOB to upgrade my premier (Feb 2024 acquired with 50k limit) card and they reverted back saying that I should wait for 1 year but apparently they did a CIBIL hit. Now, they are asking me for the CIBIL report to rectify the mistake. The war begins.
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Can you please share the exact name which created the entry?

BOB or BOBCARD or BOBFINANCIAL?
 
Dont meet the income criteria..... But still mailed... Lets see.... I got easy card too without any documents and was able to upgrade to premier ltf also without any documents......
 
So, around May 27th I asked them for an upgrade to Eterna card (paid) and they asked me to fill an upgrade form and share 3 months salary slips and bank statement along with it, which I did.

for the next 2 weeks I kept on asking for an update on my upgrade request and they said it is awaiting approval from higher authorities.

in between they offered me a Pre-approved limit enhancement offer which I accepted on my Premier card.

they also made a Cibil Enquiry in between. when I chased them for an update, again, they denied my upgrade stating my limit was recently increased and I should wait for another 12 months before asking for card upgrade.

I told them that I raised upgrade request long before you guys sent me a pre-approved offer on limit enhancement but they were deliberate and kept on asking me to wait for another 12 months.

I asked them to either remove my Cibil Enquiry or offer me Eterna Card LTF as I had already wasted 1+ months talking to them and getting exhausted. I told them that if my conditions are not honoured, I would report them to RBI ombudsman as they made a Cibil Enquiry, offered me limit enhancement and then denied stating I accepted limit enhancement.

Couple of minutes back, they replied to me to inform that my Eterna Card is approved (did not mention on if it's LTF or Paid) and said the card will be dispatched shortly.

I have asked them whether they have approved it LTF, as I was deliberate on either they remove my Cibil Enquiry or offer me LTF.

what are my chances now to secure Eterna LTF?
 
Gaurav_96 said:
So, around May 27th I asked them for an upgrade to Eterna card (paid) and they asked me to fill an upgrade form and share 3 months salary slips and bank statement along with it, which I did.

for the next 2 weeks I kept on asking for an update on my upgrade request and they said it is awaiting approval from higher authorities.

in between they offered me a Pre-approved limit enhancement offer which I accepted on my Premier card.

they also made a Cibil Enquiry in between. when I chased them for an update, again, they denied my upgrade stating my limit was recently increased and I should wait for another 12 months before asking for card upgrade.

I told them that I raised upgrade request long before you guys sent me a pre-approved offer on limit enhancement but they were deliberate and kept on asking me to wait for another 12 months.

I asked them to either remove my Cibil Enquiry or offer me Eterna Card LTF as I had already wasted 1+ months talking to them and getting exhausted. I told them that if my conditions are not honoured, I would report them to RBI ombudsman as they made a Cibil Enquiry, offered me limit enhancement and then denied stating I accepted limit enhancement.

Couple of minutes back, they replied to me to inform that my Eterna Card is approved (did not mention on if it's LTF or Paid) and said the card will be dispatched shortly.

I have asked them whether they have approved it LTF, as I was deliberate on either they remove my Cibil Enquiry or offer me LTF.

what are my chances now to secure Eterna LTF?
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get it LTF man.. you have a high chance, fight for it
 
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sousnake said:
get it LTF man.. you have a high chance, fight for it
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I'm no longer interested in Eterna as Payzapp wallet will be devalued from August onwards, which was the sole reason to get this card.

I'll be persistent in asking them to either remove cibil enquiry or cancel Eterna card and bring back my Premier card LTF. 😂😂

let's see how it goes.
 
Gaurav_96 said:
I'm no longer interested in Eterna as Payzapp wallet will be devalued from August onwards, which was the sole reason to get this card.

I'll be persistent in asking them to either remove cibil enquiry or cancel Eterna card and bring back my Premier card LTF. 😂😂

let's see how it goes.
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I have fought a lot for this LTF. Spent more than 7L. still, they denied it.
You can try. But I believe the chances are very slim.
 
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