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Millennia of course, as its also best HDFC credit card :ROFLMAO: ;)

Yes, its very hard, its also very hard to pretend that its not your play while playing it too, but if and when you pull it off, its rewarding. You can hold overpriced SBI cards for LTF.

You know how some mand budhi sbi agents claim you will get it LTF and then fail to deliver, because there is no such thing to begin with, he just happen to catch such a guy and then made sure to escalate the hell out of it till sbi had to deliver on the agents promise.

He has it and there is long story behind it. ;)

Ah, I rememeber what I was forgetting. I also have IDFC First Millennia 1 LTF. So total 15 active.

:ROFLMAO: :ROFLMAO: :ROFLMAO: :ROFLMAO: I hope you hide your details enough that ICICI ppl watching this thread won't do something about it.

Old Closed ICICI insta plat Kotak 811 Axis freecharge (Upgraded/downgraded) Active OneCard - 1.5 LTF Axis Neo - 75 LTF Axis FK - 75 LTF Axis Airtel - 75 Paid (500 +Taxes) HDFC millennia - 2.6 LTF HDFC Tata nue infinya - 2.6 LTF BOB easy - 50 LTF SBI IRCTC Rupay - 1.29 Paid (Don't remember...

I'm going to suggest something different. Get Amex gold charge, Amex MRCC and Amex travel plat or reserve. Amex allows either 2cc one charge card or 2 charge and 1 cc. Gold series is for shopping and platinum is for travel. I'm also considering you will be going on honeymoon, there these will...

Many people have it, this is completely dependent on how much limit you have, then you can split that limit in two. Tata Neu cards are not really pure HDFC cards, so they are not really counted in the bunch and its also approved lot more easily to existing HDFC card holders, irrespective of the...

Well, had significant update in the list in just single month, so I had to add to it. New list Jan 2022 ICICI plat secured (Closed) Kotak Secured (Closed) One Card Unsecured Axis Freecharge plus (Closed/Upgraded) ICICI Apay Dec 2022 Axis FK LTF HDFC Millennia LTF IDFC Millennia LTF RBL zomato...

Jan 2022 ICICI plat secured (Closed) Kotak Secured (Closed) One Card Unsecured Axis Freecharge plus (Closed/Upgraded) ICICI Apay Dec 2022 Axis FK LTF HDFC Millennia LTF IDFC Millennia LTF RBL zomato LTF BOB easy LTF Axis Neo LTF SBI IRCTC basic Rupay (Paid) Axis Airtel (Paid) Amex Smart earn...

He can apply and get Amazon ICICI whenever its available to him, Freecharge plus from axis, Flipkart axis, Axis neo/myzone. In fact I would suggest applying for all the above one by one, just make sure CIBIL stays above 760, preferably 770. His ITR is sufficient for all the above applications...

Clarify that its a service/profession, as long as you have legitimate 5 lacs ITR proof they will accept. Also, its already mentioned but will do again. Do not apply for too many cards at the same time.

You can also apply for ICICI platinum card or amazon ICICI card you do have ITR documents.

This is generated by cluster model in data analysis, they basically run algo that tells them cluster of defaults for all kind of credit in given areas. This is system generated and not man made. If you look closely, you will see mostly slum areas

Hmm, then I think its possible that your pincode may not be in restricted anymore, its hard to guess what's going on their mind. Thanks for info though, I always find contradiction between bank policy and their action worth noting.

You might have accounts there.

That's impressive work, thanks mate!

IDFC gives card easily if you have any prior banking relationship, including flipkart pay later which is partnered with IDFC (Not suggesting to open BNPL), at least that's how I'm guessing I got pre-approved offer. I opened IDFC a/c after receiving the IDFC cc. With good limit and no...

Failure of auto debit on any kind of setup will attract charges. Some fraud companies like bajaj emi will send multiple auto-debit requests in a same day (even though it's not supposed to do that in case first fails due to insufficient balance) and charge you for each failure 250+taxes ...