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Yes brother youre right :)

IDFC has also of late removed Amazon Prime from its wealth program, the new wealth program is useless.

Try uploading any other credit card statement with a better credit limit, chances are that you can be offered a better card than the default one, speaking from own experience. You should find a button to upload card to card/upload other bank's credit card statement in the same screen which...

It looks insane as I deferred a lot of Limit enhancement offers in between, while HDFC's automated systems tried to persuade me to opt for a higher limit and spend more. I had 3.5L maybe for last 5-6 years, even when I did not have Regalia, my earlier card was upgraded to Regalia LTF some 5...

So effectively you need a savings account+FD account to get this card. Too clever

Hey, my posts were not directed to anyone, it was just an example of how the system allures you into irrational spending. I do appreciate the fact you've made that a gradual increase in credit limit is good for all of us. Keeping that in mind it's a good decision to move up the ladder.

I am not really sure about the documentary but if you google it you would see the origin and books around this. For that matter you can pull up any documentary on Lehman Bros, Too Big to Fail etc. All would be of the same theme and outcome as we know history.

Can't agree more, I do and I believe almost all of us get notifications stating spend 80k on your credit card to get a voucher, at the end of the day we have to shell out that 80k to foot that bill and banks would be happy to gobble up transaction fees from vendors and late fees, EMI charges...

Even before Amazon Pay ICICI was launched, I would spend 6k on credit card a month, summing upto maybe 1.4 L a year including bulk expenses like insurance premium etc. So I never needed that kind of limit as you rightly thought. Mostly people lead a frugal life in Kolkata, need based spending...

Google tells me it's 275/5, Palace Orchads, 15th Main Rd, Sadashivnagar. Bengaluru - 560080.LandmarkOpp to Sahajeevan Apt. Below is the RM for Preferred and Imperia, since you stay nearby and if you manage to visit: I myself never had to go that side of Bangalore and led most of my Bangalore...

Thanks let me try.

Aha where I lag is in my relationship with my RM, he is in a branch in Bangalore (Sadashivnagar) which I never managed to visit in my life so never could build the kind of understanding that is required to get these kind of things go through easily. Linguistic barriers are there of course, in a...

I am seeking to take it, only for a LTF upgrade, however I prioritize Amazon ICICI more nowadays, as cashback today is certainly more valuable for me than a reward point redemption even in cash some x months later. No holdings in HDFC, the TRV point you made I do comply.

I know it's insane and I even do not need it. I have been using this HDFC CC for 8 years now, Regalia since last 5 years. This limit is not uplifted in a day or so it has slowly increased and I kept getting prompts to increase my limit but I did not, so you see the difference in existing limit...

You're talking about two HDFC CC's however I have stopped using my Regalia since I have got Amazon Pay ICICI as that gives me prompt cashback at end of the month which I adjust on utility bill payments. Transactions on my Regalia are less than 30 in the last 12 months or so.

Over the years I have seen the proposed limit go up and up, I last remember it was 13.6 L, now it's 15L so I can vouch for and say is that your offered limit keeps on increasing if other factors are in sync like loyalty, cibil etc. I maybe wrong but I sort of feel this is the way this game is...

I see you have a good point, there is no harm in opting for a few more clicks on the way.

I aint jumping bro ! Well, I am not sure as around 5 years back I had a call with someone who proposed for an upgrade of my existing credit card to Regalia LTF and I agreed but I started in HDFC with a salary account, had been swimming in No joy Preferred Account for more than 8 years now...

Not boasting, just posting my LTF Regalia status. My total credit card spends in a month would usually not cross 6k across all cards, hence never opted for that much limit. I am though greedy to get a LTF upgrade to a better card as you said DCB, Infinia if there is a workaround.

I am just saying its included in the final product selling price mostly, camouflaged sort of....But there are instances where things are more transparent and they tell you that if you pay via cheque its x amount, if you pay via credit card its x+y