Agreed. The effort is much appreciated.
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What's that Credit Card you got with minimum effort and maximum effort?
- Thread starter Ram1
- Start date
- Replies 182
- Views 6K
Thanks but my intention is not that frankly. Some process has been going on background with bob card past 2 months. Still no solution
Not that early bud. I got my card back in Sept 2023. I tried for 50k LE. That was rejected as well. I got massive LE on my other Sbi Card i.e Elite. Dont know why they are hesitant to give LE to my Sbi Cashback
vine
TF Legend
You can transfer some of the limit over to the Sbi CB card. Try if it works.
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When did you request LE last? 6 month gap is good enough, I did try this with HDFC.
Yes but no luck. Did in april 24 & nov 24. Both times rejected due to internal policies.
Tried that "Not possible" was their reply
The only way I can think of is to utilise your 50k limit every month for a few months and see how it goes unless of course you have tried this too already.
Yup. Used 34k for 6-7months & paid well on time. But no LE. Sbi policy is weird.
I got LE Of 1 lakh only after a year
killerisback
TF Buzz
What a story!! Generally, banks are hesitant to give CC after single defaults also.
Minimum Efforts went into these CC:
- Amazon ICICI LTF
- One Card LTF
- Indusind Legend LTF
- AU LIT LTF
- HSBC LTF
- IDFC Power Plus
- HDFC Swiggy LTF
- HDFC Regalia Gold LTF (Went into branch had some preferred banking so asked cc guy can I get regalia gold LTF he said yeah and just got it - now time is change, it isn't this easy this was around 1.2 years back)
- SBI Cashback (Quick online approval of 1.2L limit)
- Axis Ace
Some efforts went into to get these CC:
- Amex Platinum -> First my city wasn't under serviceable list but I applied and got denied then after some months it got listed then got the card
- Yes Marquee -> I tried twice by calling CC department of bank and directly applying too but was not getting it but after few days got call from some random agent while I was boarding flight and generally I don't trust random calls for credit card but I asked him if he can get me marquee card and he did! might be had some references with bank's people but anyway I was happy I got it.
But the fight of getting ad on for marque was the toughest one yet - this went on for 3 months and then finally i got it
Attachments
Thanks for recognizing my efforts.
Btw you had great collection. Hope you add more with less efforts possible ✌️
vine
TF Legend
I got 11 cards within a year (because of TF). I had 2 before. So now total is 13.
Only 3 rejections ever.
1) Amex rejected once sometime in 2017 I think, I don't remember.
2) IDFC rejected due to location not serviceable. My mistake.
3) Standard Chartered rejected, though I was a long term customer then, for reasons they did not disclose.
Of these Kotak White was only one with issues, though it was pre-approved, because the support could not close/kill a duplicate application request, it was showing an application already exists and the RM could not make the request for me. I had to threaten Kotak that I will close my salary account. Then, the application was approved the same day.
I had applied for HDFC TNI, they asked me to send all documents in courier to their legendary Chennai office. I said no thanks. Probably dodged a bullet.
Only 3 rejections ever.
1) Amex rejected once sometime in 2017 I think, I don't remember.
2) IDFC rejected due to location not serviceable. My mistake.
3) Standard Chartered rejected, though I was a long term customer then, for reasons they did not disclose.
Of these Kotak White was only one with issues, though it was pre-approved, because the support could not close/kill a duplicate application request, it was showing an application already exists and the RM could not make the request for me. I had to threaten Kotak that I will close my salary account. Then, the application was approved the same day.
I had applied for HDFC TNI, they asked me to send all documents in courier to their legendary Chennai office. I said no thanks. Probably dodged a bullet.
anutech2006
TF Buzz
Minimum Effort - ICICI Sapphiro - Card was preapproved on the app.
Max effort - HDFC Infinia - Had to follow up with the RM for almost a month
Max effort - HDFC Infinia - Had to follow up with the RM for almost a month
krishc
TF Ace
Minimum Effort :
HSBC Visa Platinum - It was my first credit card. Got it along with salary account opened during onboarding day after joining from campus. No additional documents or kyc was asked for apart from what was checked for joining formalities anyway.
Additionally recent axes cards can be considered since they come pre-approved in app and gets automatically dispatched without any additional formalities.
Maximum Effort :
AmEx SmartEarn (closed long back) - Card approval process was normal, nothing unusual. Hassle came with getting the card in hand. They sent the card to my office address (which was still fine since it's before Covid and I went to office 4days a week) but for some weird reason AmEx didn't print my contact no with address/envelope and since delivery agent couldn't call me, it was not possible for them to deliver as office wouldn't allow them beyond security room. Twice the card went back undelivered and by then I had figured out the real issue and called AmEx for rectification and then still they made the same mistake again. Finally it was delivered on 4th attempt after I also liasioned with delivery company customer care aa well as left my contact no with security so that they can call me if the agent from particular courier came. The whole process of getting card in hand took little more than a month since approval.
HSBC Visa Platinum - It was my first credit card. Got it along with salary account opened during onboarding day after joining from campus. No additional documents or kyc was asked for apart from what was checked for joining formalities anyway.
Additionally recent axes cards can be considered since they come pre-approved in app and gets automatically dispatched without any additional formalities.
Maximum Effort :
AmEx SmartEarn (closed long back) - Card approval process was normal, nothing unusual. Hassle came with getting the card in hand. They sent the card to my office address (which was still fine since it's before Covid and I went to office 4days a week) but for some weird reason AmEx didn't print my contact no with address/envelope and since delivery agent couldn't call me, it was not possible for them to deliver as office wouldn't allow them beyond security room. Twice the card went back undelivered and by then I had figured out the real issue and called AmEx for rectification and then still they made the same mistake again. Finally it was delivered on 4th attempt after I also liasioned with delivery company customer care aa well as left my contact no with security so that they can call me if the agent from particular courier came. The whole process of getting card in hand took little more than a month since approval.
White ltf how?🤔
Max Efforts for infinia tho chalega
Card without details on envelope, hearing first time. Amex🫡
Kabir_1112
TF Premier
I'm seeing 8/10 people have got a hard time from Hdfc for Infinia.
And infinia is actually the hardest card to get.
Now I feel bad, I was getting option for Infinia upgrade fyf and I didn't take it.
And infinia is actually the hardest card to get.
Now I feel bad, I was getting option for Infinia upgrade fyf and I didn't take it.
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