I have a Swiggy LTF CC and applied for the HDFC Millennia CC on 4 Jan via the HDFC website (currently offered as LTF). However, I got an error: “It seems you have recently applied for a credit card. Hence, we are unable to proceed with your current application.” I emailed HDFC explaining that I applied for the Swiggy CC in June but still got this error. They replied that they will look into it and respond by 10 Jan.
Today, I saw a Reddit post where a user suggested applying via Paytm:
“You can apply for a core credit card via Paytm if you already have cobranded card, and get approved for many people. Later you can upgrade it.”
I noticed Paytm is offering the HDFC Freedom Rupay CC as LTF. Should I apply for it? Is it considered a core CC? My reason for wanting a core CC is to get discounts on Amazon and Flipkart sales.
I can’t close my Swiggy card because it’s LTF, and I spend ₹5-7k on Swiggy Instamart every month.
Today, I saw a Reddit post where a user suggested applying via Paytm:
“You can apply for a core credit card via Paytm if you already have cobranded card, and get approved for many people. Later you can upgrade it.”
I noticed Paytm is offering the HDFC Freedom Rupay CC as LTF. Should I apply for it? Is it considered a core CC? My reason for wanting a core CC is to get discounts on Amazon and Flipkart sales.
I can’t close my Swiggy card because it’s LTF, and I spend ₹5-7k on Swiggy Instamart every month.
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