Xcite ultra to Zenith

[SoggypastA]

2 months back I decided to apply for a credit card through the AU Swipe Up program. To my surprise, the only card option available was the Xcite Ultra. Determined to get Zenith credit card, I sent numerous emails to the regular credit card customer care, as my employer is listed in their LTF list.
However, after hitting a dead end and realizing my efforts were in vain, I decided to accept my fate. I went through the process of completing the VKYC and eventually received the Xcite credit card.

Two months passed, and I wasn't entirely content with the Xcite credit card. I reached out to the customer care once more, this time contacting the PNO department. After explaining my situation and preferences on call, they took action and forwarded my request to relevant department. Much to my delight, they processed my request for a Zenith credit card.

My first Visa infinite card ✌️

 

[AlgoTrader]

Why didn't you upgrade your money back even after having such high credit limit?

I was a noob in CC when they offered Millenia, DCB and Regalia LTF and refused it. And I have been request for upgrade ever since, but it was rejected every time.

 

[AlgoTrader]

And the one I am holding is not even moneyback+ it is just moneyback. So moved all the spending to amex and SC Ultimate. I have salary account with these idiots for more than a decade, still these ***** do this

 

[Strange]

I was a noob in CC when they offered Millenia, DCB and Regalia LTF and refused it. And I have been request for upgrade ever since, but it was rejected every time.

Have you checked your upgrade offer here?

https://applyonline.hdfcbank.com/credit-cards/credit-card-upgrade-form.html?LGCode=MKTG&icid=website_organic:CCupgradeprdpge

 

[AlgoTrader]

Have you checked your upgrade offer here?

https://applyonline.hdfcbank.com/credit-cards/credit-card-upgrade-form.html?LGCode=MKTG&icid=website_organic:CCupgradeprdpge

Yes, I generally check every few months. No offers after I get to the next screen. Waste of cibil hit

 

[deep@vie]

My employer is in Category B. One of the useless witch

Please name it?

 

[Strange]

Yes, I generally check every few months. No offers after I get to the next screen. Waste of cibil hit

Did they hit your cibil for checking upgrade offer? I have checked upgrade offer multiple times but they never hit my cibil.

 

[deep@vie]

They don't

Did they hit your cibil for checking upgrade offer? I have checked upgrade offer multiple times but they never hit my cibil.

 

[AlgoTrader]

Did they hit your cibil for checking upgrade offer? I have checked upgrade offer multiple times but they never hit my cibil.

I don't have Cibil subscription, but whenever I use the portal, I will get an email from CIBIL - "Your cibil report has changed", I thought it is a soft hit, isn't it?

 

[AlgoTrader]

They don't

I don't have Cibil subscription, but whenever I use the portal, I will get an email from CIBIL - "Your cibil report has changed", I thought it is a soft hit, isn't it?

 

[Strange]

I don't have Cibil subscription, but whenever I use the portal, I will get an email from CIBIL - "Your cibil report has changed", I thought it is a soft hit, isn't it?

You will get email or sms from CIBIL for
New Enquiry Added
New Loan Account Opened
New Address Added
New Phone Number Added
Change in Utilization
Change in Delinquency
Change in CIBIL Score

 

[AlgoTrader]

Please name it?

any idea whether it will be offered as LTF ?

 

[AlgoTrader]

You will get email or sms from CIBIL for
New Enquiry Added
New Loan Account Opened
New Address Added
New Phone Number Added
Change in Utilization
Change in Delinquency
Change in CIBIL Score

So when I give pan and OTP, it is a new, enquiry, right?

 

[deep@vie]

any idea whether it will be offered as LTF ?

Yes, I can get you but there's a condition

 

[Strange]

So when I give pan and OTP, it is a new, enquiry, right?

Yes

 

[AlgoTrader]

Yes, I can get you but there's a condition

what is it bro?

 

[AlgoTrader]

Yes

So too many such enquiries will impact Cibil core, right?

 

[deep@vie]

what is it bro?

You've to write a 500 word appreciation post for me🤣

 

[AlgoTrader]

You've to write a 500 word appreciation post for me🤣

haha, that isn't a hard task in AI Era

 

[deep@vie]

what is it bro?

Shared the link over DM,apply using that you'll get Zenith with 11l limit.

 

[AlgoTrader]

Shared the link over DM,apply using that you'll get Zenith with 11l limit.

got it, thank you so much. Will give it a shot