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I'm in q dilemma whether to close it or not! I may be give it another year and then think about closing it.

For "collection" may be it is good then! ☺️

Why are you so eager to get one card? Apart from being metal card it has no other use. (Unless you count the face people make when you give it to them and their first reaction is "is this even real?)😂

You definitely are one lucky duck 🦆😉. Enjoy! BTW, do update if any new update is there!

Is your card still active?

Seems like Traditional Credit Card has beaten all so called "Credit Card Challengers" 😂

Wait it out. You will get offer for unsecured card.

Just raise a ticket in their app and your address change will be processed. Don't do the "fake" agreement thing. First of all it is "illegal" and you may upload even expired document and assure them that you are planning to renew the said agreement. Do consider this when changing the address.

That's great! I will keep a close watch on offer sections then 😉

Initially it lags for 3-4 months since Bank has to create a report per say and send it to bureaus. But after say 6 months since it gets reported, the lag is usually of one month only. That is if you check report on 1 Sept data upto 31 July is reported and vice versa.

How did you get that offer? What is your FD amount?

Good for you ☺️👍

Yes! They are! I believe they are offering either wealth or select. Good for them! But their one card is closed! Considering rewards of one card, no love lost there! 😀

I also came to know that. Initially I thought of closing it. But it's the only cc on my credit report. I was also planning to hold it indefinitely since it's LTF and I put only 5k deposit. But now I know that it's upto them (one card and SBM) and how long they can be partners! Recently onecard...

Has anyone been Lucky to be able to convert One card secured to unsecured? Or atleast get deposit back while keeping one card active?