Sobirvs
TF Ace
So this is for my brother. He is dumb with credit cards BUT he uses his HDFC Card alot.
He has HDFC LTF regalia gold currently with 8.5L limit. He files ITR only for 5-6L. All business ITR/sole prop is under mother hence the spend on his card. He basically executes the business and draws small salary for papers only.
He even told me last month that he got a call in around 3rd quarter from HDFC for infinia upgrade, and upon told the fees, he denied the card. He might be wrong about this btw as he is a damn very busy person as he handles a business so may be they called for some other card, idk but he told me it was infinia. He showed me his netbanking today but in offers, there was no infinia just some 2 wheeler/personal/auto loan preapproved offers max worth 20L.
Now let's talk about his credit card HDFC. He spends alot. In last 2-3 years he has spent easily umm, 30L+ lots of emi's, retail trxns, fuel etc and always paid his dues. He has auto debit on hdfc so never defaulted. He has HDFC card from prolly 10-15 yrs.
His spends (I am guessing we calculate this via total due only right?
Last 6 months : 4.87L
Last 1 yr : 5.13L+4.87L = 9.996L
My guess is, Last 10 years : 1cr+ easily. (1cr + prolly even in last 5 yrs). even if I am wrong His card he has easily used for 2cr+ even more since he has the card.
His spends are mix. I understand he doesn't fulfill salary criteria and spends criteria but only fulfills Credit limit criteria. But he usage is very mix, no gift voucher nothing. Basically emi's, airport, bills telecom etc. retail brand purchases like adidas etc. Big spends are just emi's.
but is asking HDFC any harm? Should I try? via RM route or email (please list the emails where I should try, I will be handling this as I have access to his email). He knows a guy in HDFC(not his RM), even knows a BM too.
If email route for example turns down, should he try via RM instantly or wait for few months? (same question if RM turns down, should i he try email route or wait for few months?)
He has 3-4 relatives too at HDFC, very very close relatives as employees.
one more question, his regalia gold has 30k pts around, if infinia is accepted, will his pts transfer as 1rp = 1rs? as afaik his current regalia gold pts of 30k is 30/5 = 6k rs as how it shows on his hdfc reward website.
edit : appearantly the spends were way off and I was wrong in calculations. It wasn't even close.
He has HDFC LTF regalia gold currently with 8.5L limit. He files ITR only for 5-6L. All business ITR/sole prop is under mother hence the spend on his card. He basically executes the business and draws small salary for papers only.
He even told me last month that he got a call in around 3rd quarter from HDFC for infinia upgrade, and upon told the fees, he denied the card. He might be wrong about this btw as he is a damn very busy person as he handles a business so may be they called for some other card, idk but he told me it was infinia. He showed me his netbanking today but in offers, there was no infinia just some 2 wheeler/personal/auto loan preapproved offers max worth 20L.
Now let's talk about his credit card HDFC. He spends alot. In last 2-3 years he has spent easily umm, 30L+ lots of emi's, retail trxns, fuel etc and always paid his dues. He has auto debit on hdfc so never defaulted. He has HDFC card from prolly 10-15 yrs.
His spends (I am guessing we calculate this via total due only right?
Last 6 months : 4.87L
Last 1 yr : 5.13L+4.87L = 9.996L
My guess is, Last 10 years : 1cr+ easily. (1cr + prolly even in last 5 yrs). even if I am wrong His card he has easily used for 2cr+ even more since he has the card.
His spends are mix. I understand he doesn't fulfill salary criteria and spends criteria but only fulfills Credit limit criteria. But he usage is very mix, no gift voucher nothing. Basically emi's, airport, bills telecom etc. retail brand purchases like adidas etc. Big spends are just emi's.
but is asking HDFC any harm? Should I try? via RM route or email (please list the emails where I should try, I will be handling this as I have access to his email). He knows a guy in HDFC(not his RM), even knows a BM too.
If email route for example turns down, should he try via RM instantly or wait for few months? (same question if RM turns down, should i he try email route or wait for few months?)
He has 3-4 relatives too at HDFC, very very close relatives as employees.
one more question, his regalia gold has 30k pts around, if infinia is accepted, will his pts transfer as 1rp = 1rs? as afaik his current regalia gold pts of 30k is 30/5 = 6k rs as how it shows on his hdfc reward website.
edit : appearantly the spends were way off and I was wrong in calculations. It wasn't even close.
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