IMO, you must close it if you are not using it. There's no point in worrying about a CIBIL score drop if you are not using it effectively.
At the same time, you could try escalating your case again and request for LTF conversion again OR try a downgrade/get an additional LTF platinum card as...
I currently have these Rupay credit cards
ICICI Coral Rupay - LTF
Axis Neo Rupay - LTF
HDFC Tata Neu Infinity - FYF, took the plunge just a week back as it felt awful to earn just 20p, 25p in terms of points from Axis and Coral.
For Neu, my spending is only on Tanishq and at this point...
Thank you guys. Last I checked with my friend, SBI cards never said the response was final and asked for time. Therefore, he decided to wait for 30 days before reaching out to the Ombudsman.
Unfortunately, none, so far. SBI Card says they have proof that OTPs and transaction alerts were sent without sharing anything. Once the preset time elapses, my friend will escalate this to the Ombudsman.
The card was generated over the call and with the details shown on the net banking I could add it to a UPI app and set the PIN too. However, managing transaction limits etc. requires card activation using an activation code that comes with the physical card. Does anyone know if the card would...
My friend is currently battling with SBI Card for fraudulent transactions on his IRCTC SBI Platinum Credit Card. He got charged multiple times with amount totaling to ₹19000 in February with remarks Google Play Mumbai IN sharp at 00:00 hrs indicating some subscription kind of a purchase...
Mine is a Pro account - upgraded from Solo - Single few weeks ago.
I don't see a "RM Connect" option on the app and a search for relationship manager through net banking leads to a 404
Mine was not an automated response - it was routed by the CEO to grievance cell who took 4 + 4 days to respond
I don't have an RM at the moment as it is not a salary account - I moved it elsewhere due to frustration. To make things complicated, the nearest branch is 60 km away and on my recent visit, I found them to be neither knowledgeable nor interested in taking up this issue. They were asking me to...
I have been a Kotak Bank customer since 2011 and occasionally saw pre-approved credit card offers. I started applying for one only in 2021 or so. My account was also a salary account then. However, the issue is my applications were rejected citing internal criteria soon after the application...