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[sidpsidp is verified member.]

MB+ is 12+ . Next is 5+ . Also I have a Nue Infinity. So, cancelling MB+ and applying core might become hard.

5+ is pretty long history. The score will come back up in 2-3 months.
And cibil says closed card payment history is considered till 10years in case of +ve history and 7 years in case of -ve history. Just that their weightage keeps on decreasing.

So if you aren't planning to get a car /home loan in next 6m, you can close it. You can get Regalia gold/dcb . Difference in rewards will be significant. With wealth gone, you need a new card. Dcb doesn't give rewards on govt spends. Just check if dcb considers it for quarterly milestone or not.

 

[sidpsidp is verified member.]

This is not patient record 😉
Nor matrimonial record 😉😉

It just contains total enquiries..with each enquiry details for what product, date, amount etc, but not the end result..

In full report sometimes they do mention. Axis agent did a 2nd enquiry for me. Which is mentioned in report.

Rejected due to duplicate application. 🥲

And stupid pno and rbi bo didn't remove it.

 

[HumorSimpson]

So if you aren't planning to get a car /home loan in next 6m, you can close it. You can get Regalia gold/dcb . Difference in rewards will be significant. With wealth gone, you need a new card. Dcb doesn't give rewards on govt spends. Just check if dcb considers it for quarterly milestone or not.

You read my mind.
Actually I am going thru Regalia gold. With adv tax payments of 6+ Lakh I can easily squeeze max out of it.

 

[sidpsidp is verified member.]

You read my mind.
Actually I am going thru Regalia gold. With adv tax payments of 6+ Lakh I can easily squeeze max out of it.

If you cross quarterly milestone twice in dcb, you can get better returns than infinnia.

 

[HumorSimpson]

If you cross quarterly milestone twice in dcb, you can get better returns than infinnia.

DCB doesn't reward govt. txns.

 

[sidpsidp is verified member.]

So if you aren't planning to get a car /home loan in next 6m, you can close it. You can get Regalia gold/dcb . Difference in rewards will be significant. With wealth gone, you need a new card. Dcb doesn't give rewards on govt spends. Just check if dcb considers it for quarterly milestone or not.

DCB doesn't reward govt. txns.

Like I said.