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I have 21 credit cards and the total limit is now 75L. I've decided to close a few to reduce leverage because some banks don't seem to be willing to give cards if someone has too much credit limit. The cards I intend to close are: 1.BOB Onecard: good limit, but pretty useless now 2. RBL world...

I've a kotak pvr inox credit card which is useless. So I want to close it to avoid annual charges. How to close it? Is there any mail address for requesting?

Hi I would like to pre-close my HDFC Jumbo loan. How to pre-close and pay the balance with debit card?

I want to permanently close my Kotak 811 account after a frustrating experience, and I’m hoping someone here can help me with the online closure process (if it exists). Here’s the full story: I opened a Kotak 811 account on June 28th, mainly to get the ₹500/month cashback offer. On July 1st, I...

Hi, I have Ltf Tata neu plus and LTF Swiggy card. I want to get core card ltf/fyf. Should I close both or closing only Tata Neu will work, I don't need it anymore as other cards are available for UPI. Hesitant to close swiggy usage is low but 10% flat is lucrative. If I clsoe swiggy can I...

Axis Bank Flipkart Credit Card – Annual Charge Concerns I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card. I’ve kept the Flipkart card mostly because it was my first credit card, but honestly… With the recent devaluation, and...

Hi Experts, Current Cards: LTF – HDFC Millennia, ICICI Coral RuPay, IDFC First , Flipkart Axis Neo RuPay Paid – SBI Cashback, Simply Save, SBI BPCL, Flipkart Axis Profile: Salary A/C with HDFC (7+ yrs) with net ₹1.75L monthly credit Need suggestion for: Which cards to close (want to clean up)...

I got the card FYF in October 2023 and went on spend 4+ lakhs in the first card anniversary year. Since then I've got other cards and spent only 1-1.5L in the 2nd year. I need 3L spends to waive the annual fee of Rs 3k+gst.1499+gst. I won't be able to spend that much and thinking of closing the...

On 17th June, 2025, I bought an electronic appliance from Croma using my Tata Neu Infinity credit card and chose the Low-Cost EMI for 6 months to get around ₹6,000 instant discount, whose summary is as follows: The total amount debited from my card was ₹37,613.33. As I'm aware, HDFC provides...

I need advice specific to my scenario. Been stressing over it for many days now. My oldest credit card (from 2016), HDFC Times Platinum (Mastercard) is also my first and only HDFC credit card. I can't seem to get any core HDFC card due to it. Reading into forums here and elsewhere I have...

I hold a Jupiter Account. Initially debit card was free but they are charging an annual fee now. Though there are ways to get exemption, I wish to close the debit card as my usage of that card is negligible. What is the procedure to close the Jupiter debit card? If anyone here has closed...

Hi everyone, I’ve ended up with quite a few credit cards over time and want to streamline my wallet. Here’s my current portfolio, along with their annual fees: BankCard NameNetworkTierFees (₹/year) AxisMagnus BurgundyMasterCardWorld0 / till I have burgundy statusHighly Used ICICIEmerald...

I received this email today, see the photo... Does this seem legit? Can a bank do that?

Hey fellow credit card users! I'm considering closing my HDFC Moneyback Plus Credit Card and I'd love your thoughts. Here's my current credit card portfolio: - Amazon Pay ICICI Credit Card (Lifetime Free) - Axis Airtel RuPay Credit Card (Paid) - HDFC Swiggy Credit Card (Lifetime Free) - SBI...

I have axis myzone, neo rupay, Ace. I want to close myzone which is oldest card , but now it's almost useless for me. Since I already have 3 axis cc , i cannot get Flipkart cc. Since it is my first axis card, if I close myzone cc will it effect other existing cards ? (They are all in shared...

Hi guys, I closed my home loan in Oct-24 but noticed that CIBIL reports it open till date. So i raised a disputed and got it closed. But all of a sudden my CIBIL dropped from 792 to 783. Is there anything that i can do? how much time will it take to increase this back? Thank you

I have been in the cards game post covid. Following are my cards portfolio. which ones should i close? Though i plan it properly, i would like to close few since there are too many now. Edit: monthly expense:

Do we first take out all the balance and then notify bank, or do we write an email first. Do we require to physically visit bank for account closure?

I don't need Indian bank Platinum RuPay debit card can I close it and use virtual debit card? debit card fee is 300+GST. Do we need debit card for mobile banking registration?

Hello, I have two HDFC credit cards - DCB and BizBlack. My original card is DCB and BizBlack as a floater card was issued later. Both are paid. My use case aligns more with BizBlack and DCB seems to be of no use. Is it allowed to close DCB without affecting my floater card (BizBlack)?