What's that Credit Card you got with minimum effort and maximum effort?

[aniketkr.sharma]

Hdfc is worse..They just made a hype and selling it in exchange of policies and people are buying long term policies they dont know.
Infinia is not end of world , stop begging for it

Dcb is also good AFAIK.

 

[Vinay13]

Dcb is also good AFAIK.

Yeah but monthly limit for normal DCB is 2k smartbuy points right?

 

[aniketkr.sharma]

Yeah but monthly limit for normal DCB is 2k smartbuy points right?

Yes for normal its 2k, but they are not giving normal to anyone now so 7.5k to metal

 

[Ram1]

Easiest - APay, SBI CB, Marquee, Coral, and few others.

Easy was DCB Plastic LTF. At that time I only had Paytm co branded HDFC which used to give 1% cashback. I didn't care much about CCs back then and got to know from a friend that they are offering DCB LTF for our college alumni. He sent an agent's number. She took salary slip and degree and in couple of weeks the card was visible in netbanking. No follow up required.

Medium - Sapphiro. Came LTF with salary account. Had to do multiple follow ups with the agent. He was trying to convince for Rubyx LTF but I didn't budge and got sapphiro.
Also AMEX was moderately hard. No response for a week. Then agent came for home verification. Uploaded form 16 and salary slips. Got approval after a 2-3 weeks of application date.

Hard - Infinia. DCB limit was 5L so they didn't approve Infinia even though I was very close to 7.5L milestone. Eventually last month, had a big spend for which I used DCB, also increased limit using FD lein and finally got Infinia.

Awesome U got dcb in just single effort, completely opposite to me.
Can u explain a bit about 7.5L and fd lien for infinia. Didn't understand

 

[Ram1]

No😪

Never received any LE since i got the MB+ 4 yrs ago

Send payslips to priority redressal , if they increase limit then upgrade ur mb to Millenia.
If they deny & ur salary meets Millenia, close MB and apply milennia within 10days.

 

[Ram1]

Yeah. Will stop the rest I guess. But might aim for DCB first for a year or so. Because heavy spending on Regalia first would suck.

Anyone know spend requirements for DCB? again not meeting that salary criteria

Spending is there, i didn't remember exact amount. First a mail and try ur luck. Atleast u will get information if they don't agree

 

[_ayush]

Awesome U got dcb in just single effort, completely opposite to me.
Can u explain a bit about 7.5L and fd lien for infinia. Didn't understand

Earlier to get infinia, you needed to spend 7.5L in last 6 months. Now it's 9L. And you also need 8L minimum limit in current card. My limit was 5L but spends were over 11L.
So to increase limit, you can do an FD lien. Basically whatever amount you lien, your limit increases by 80% of that amount. Eg for 4L they increase limit by 3.2L.

 

[Ram1]

Earlier to get infinia, you needed to spend 7.5L in last 6 months. Now it's 9L. And you also need 8L minimum limit in current card. My limit was 5L but spends were over 11L.
So to increase limit, you can do an FD lien. Basically whatever amount you lien, your limit increases by 80% of that amount. Eg for 4L they increase limit by 3.2L.

What, they can increase limit of unsecured card using FD?
What if they ask u to close card if u want to close fd?

 

[theXfactor]

Earlier to get infinia, you needed to spend 7.5L in last 6 months. Now it's 9L. And you also need 8L minimum limit in current card. My limit was 5L but spends were over 11L.
So to increase limit, you can do an FD lien. Basically whatever amount you lien, your limit increases by 80% of that amount. Eg for 4L they increase limit by 3.2L.

Does the bank even consider any limit enhancements via FD route for the purpose of offering another card?

 

[_ayush]

What, they can increase limit of unsecured card using FD?
What if they ask u to close card if u want to close fd?

Yes they can increase limit this way.
If I want to close FD, they said they'll downgrade me to DCB metal as base limit of Infinia is 8L. On FD closure to keep infinia my limit needs to be increased by 3L.
I dont mind the lien as I have a few FDs for emergency fund with them. If I do need to break it in an emergency, I dont think I'll mind changing card.

 

[Ram1]

Yes they can increase limit this way.
If I want to close FD, they said they'll downgrade me to DCB metal as base limit of Infinia is 8L. On FD closure to keep infinia my limit needs to be increased by 3L.
I dont mind the lien as I have a few FDs for emergency fund with them. If I do need to break it in an emergency, I dont think I'll mind changing card.

Oh nice, this is good learning today

 

[COmM4nDer]

Whats the story behind cb card

I applied for Sbi Cashback in september 23. Got rejected immediately. Contacted them via mail for the reason why it got rejected but nothing happened for over a month. Then one day I contacted them via insta & dm ed that I already have elite & have been a sbi cards customer for over a decade why cant I get the card. Got a call from customer care had a convo for almost 10-15 min & was told the card will be delivered soon. Was happy that I eventually got the card. But when the card arrived & I activated it got a limit of 35k. It is still 35k no LE till date.

 

[Ram1]

I applied for Sbi Cashback in september 23. Got rejected immediately. Contacted them via mail for the reason why it got rejected but nothing happened for over a month. Then one day I contacted them via insta & dm ed that I already have elite & have been a sbi cards customer for over a decade why cant I get the card. Got a call from customer care had a convo for almost 10-15 min & was told the card will be delivered soon. Was happy that I eventually got the card. But when the card arrived & I activated it got a limit of 35k. It is still 35k no LE till date.

Wow this some crazy & strange experience

 

[Samrock]

Are there any good public sector bank cards apart from SBI

 

[aniketkr.sharma]

I applied for Sbi Cashback in september 23. Got rejected immediately. Contacted them via mail for the reason why it got rejected but nothing happened for over a month. Then one day I contacted them via insta & dm ed that I already have elite & have been a sbi cards customer for over a decade why cant I get the card. Got a call from customer care had a convo for almost 10-15 min & was told the card will be delivered soon. Was happy that I eventually got the card. But when the card arrived & I activated it got a limit of 35k. It is still 35k no LE till date.

I got it approved last year with a limit of 2.1 lacs and got LE last month of 1 lacs

 

[Ram1]

Are there any good public sector bank cards apart from SBI

Bob cards are LTF, good for bank offers
U may try PNB cards for rupay select benefits.
Others psu bank cards are not much popular

 

[vine]

I don't think now I'll ever get SBI cashback card bcz of over leverage policy

and Apay bcz the ICICI person told me the weirdest reason I've ever heard for rejection- you're 30 yrs old, so no card for you

For Apay card, please don't approach any one offline.
Please apply from Amazon app online. If your profile isn't bad mostly you will get approved.

 

[theXfactor]

I applied for Sbi Cashback in september 23. Got rejected immediately. Contacted them via mail for the reason why it got rejected but nothing happened for over a month. Then one day I contacted them via insta & dm ed that I already have elite & have been a sbi cards customer for over a decade why cant I get the card. Got a call from customer care had a convo for almost 10-15 min & was told the card will be delivered soon. Was happy that I eventually got the card. But when the card arrived & I activated it got a limit of 35k. It is still 35k no LE till date.

Did you request for LE enhancement? It's too early but give it a try if you haven't already.

 

[Ram1]

Alright guys, lets share our stories. Easiest & Hardest efforts we have put to grab our desired credit cards.

For me,
Card with minimum effort : Federal Bank
Federal bank Celesta LTF 10L limit
Process - Just 2 steps basic details, approved instantly without any vkyc/physical kyc

Card with maximum effort : Hdfc
DCB/Infinia was my target
1. Got preapproved MB, used for 2 years. No LE at all. Closed my first ever MB cc with 40k limit
2. Opened preferred acc and waited for regalia offer but got MB 50k limit offer. Frustrated & applied c2c via 3rd party agent for regalia, mad hdfc approved preapproved offer instead of regalia c2c.
Closed 50k MB cc and preferred acc
3. After 6 months opened imperia & Applied c2c for regalia at branch, But hdfc gave Csc MB with 50k limit.
Frustrated and closed csc MB & imperia acc.
4. Met one RM from another state, he promised to get me infinia if i open imperia with high balance & maintain for 2 months. Eventually did opened & maintained. But that ZH didn't agree as my cibil was just 747 with 1 late payment. He stated that can't provide card to defaulter.
Atleast I asked for DCB, that RM denied to put further effort.
5. I felt sad for putting these many efforts & couldn't get even DCB. I complained to HDFC MD regarding infinia,
But my local credit card head called me & told without 3L income we can't provide infinia. But if you have other bank cc above 5L limit, we can give you DCB.
6. I agreed for DCB, asked him 2 3 times I only want DCB not any other. He confirmed me same. I recorded call.
He ordered local branch credit card agent to complete c2c application for DCB, I provided axis 6L statement
Recorded local agent call too.
Then i got verification call and he said I'm eligible for DCB. I asked him again I want only DCB not any other card. He confirmed u get dcb only. Recorded that call too.
Next day got in principle approval message. I got happy because with in principle approval, there's not going to be physical verification.

Next day got declined msg, asked cc head, he took 2 days and replied. As per ur profile we can only give 1.4L limit, for that limit only millenia, MB, freedom cards only u can get. If u agree I will process one. I denied & cut the call.

Wrote a mail to customer service, robotic reply, then to priority redressal they told same millinia, MB story.
Wrote to grievance redressal, Same story. Wrote to MD, they reverted to grievance redressal then same story.
Frustrated and gone to RBI ombudsman with all the call recordings and screenshots that HDFC violating the promised things.
Wrote a mail to grievance redressal with RBi complaint copy & call recordings, they simply replied we have received ur rbi complaint, still we can give millenia, mb only. Any of ur further mails, will not replied from us.

This sentence hurted me too much. I replied to that, you are violating the basic human right of RIGHT TO SPEECH, who are you to tell me that, Indian constituency gave me that right.
Also told that I'm going to the court against HDFC with all your heads, agents call recordings, get ready to face that.

Guess what, i sent that mail evening, next day early morning I received mail of virtual DCB card with 5L limit. 🤣🤣🤣
I didn't understand who approved it, never seen anyone getting DCB virtual. Literally shocked.

Then I understood anything possible in CC world, we need to put right efforts and sometimes need to drag bank too if they go out of the line.

Literally Got Hdfc DCB, Amex plat travel, SCB ultimate, Federal celesta, IDFC wealth, RBL plat maxima at 747 cibil.
Now my cibil is above 770,now credit cards getting rejected🤣🤣. I don't understand this algorithm. Latest one is BOB eterna after positive physical verification.

Share your easier & harder CC story.

I think BOB card is all set to replace HDFc DCB as maximum effort card. Bob hates me. 😂 @SSV @fradela

 

[theXfactor]

I think BOB card is all set to replace HDFc DCB as maximum effort card. Bob hates me. 😂 @SSV @fradela

Keep this thread going, buddy! Keep writing whatever but I like the way you are keeping this thread alive 👍