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Will try. But there must be no effect from this enquiry.

Might have changed now, but initially this was the enquiry.

no, as per federal current policy you can keep only 1 card.

They do an hard enquiry, And it shows as Personal Loan enquiry from federal bank.

Unfortunately they still dont convert the card to unsecured. Also , once closing the one card will makes you not further apply for one card “unsecured”. Rather than closing i would suggest using for an year and demanding them to provide unsecured card. They told me this in the call : Sir...