Recent content by navonline7

I don't think I did. Can't blame myself if HDFC considers a query as an upgrade request Agree on the patience part. Getting restless with all the new requirements coming in every few days. The latest one being HDFC not accepting upgrade application because of some glitch

Mine is an upgrade as well from regalia to infinia, which is exactly why I'm wondering why I got an application number. And another reason to believe that the priority.redressal team went ahead and processed my query as an upgrade request without my consent

I got an SMS from HDFC as well that my application is processed, with an application ID. The status is "Declined". The message also says check the status after two days for some reason. The HDFC person who took the offline form from me called yesterday saying my application is still in progress...

I guess they went ahead and processed an upgrade request as well and declined. There's a cibil hit. Since I have an offline application in process as well, I'm unable to figure out if it was the priority.redressal team or it was the offline application I got the cibil hit for.

Same internal policies, blah blah. Nothing in specific. They said I don't meet the criteria for an upgrade, when I didn't even request for an upgrade. I just asked for the criteria. I guess they are so used to seeing upgrade request emails that queries also look like upgrade requests to them.

Should be straightforward in my case as all spends were in about a week. Negligible spends in the last 5 months. :D

Not sure from what date this is effective and if applications received before the effective date will be processed

Since when is this effective, 15 July? I sent a signed upgrade form to Chennai through a CC guy from HDFC on 11 July. Not sure if it will be considered for upgrade now.

The offline guy is a credit cards sales manager, who also processed my Regalia application 3 years back. When I checked with him last week, he asked me to spend 9L and give him a call. He needed nothing else apart from spends and CL, which in my case is above 10 lakhs). I did check with him if...

I didn't submit any documents whatsoever. The offline guy just took my signatures on the upgrade form.

Any idea if there's a cibil hit when the application is processed via offline mode? Background I sent an email to grievance on 6th July to check the criteria for Inifinia upgrade as there's this new Imperia criteria (not a upgrade request). Meanwhile, I spent 9L and opted for offline processing...

Will continue spending and give it a shot

Reward rate bro.. Booking flights and hotels using Regalia instead of Atlas for instance..just to reach 9L. Atlas is a much better card even for offline spends when compared to Regalia

I have Atlas. Some of my spends on Regalia to reach 9L would be on gold. So, I don't stand to lose anything at least on the gold transaction by not using Atlas. Regalia gives RPs for gold transactions, Atlas doesn't. I will be at a loss for other transactions where I can earn a much better...

Have a salary account with them for close to three years now. Per my calculations, I might be losing around 8-10k, which I'm fine with. Do you think I should spend the remaining money and hit the 9 lakhs milestone and give it a shot? Just worried about the Imperia status and AMB, which I don't have.