Yeah but the card account isn't 1 year old so I don't know if they'll entertain LTF request and I'm kinda scared to use the closure request path right now because they may directly close the card without even calling.
Any idea about the fee waiver criteria situation after swapping? Do I have to do transactions after the renewal date to count as fee waiver or I can do transactions now and it will count as fee waiver?
I have just swapped from Simplyclick to BPCL a week ago. Simplyclick was due for a renewal on September. Does anyone know if my swapped BPCL will get the joining fees this month or it will get the renewal fees on September? Also what will be the effect on CIBIL?