@RAMESH BABU N are you confirmed ltfs are actually ltf and they will never be closed if we don't use as in case of indusind I had legend card and though it wasn't being used from more than a year, indusind closed my card citing rbi reasons last year in june
That's why I have suggested that one should have only a few CCs - which are regularly used. And, should close all those CCs which are never used - even if they are LTF. Less luggage, more comfort and less headache.