Closed Both HDFC Moneyback+ & Tata Neu Cards. Wait for Pre Approved offers or try C2C?

[BRB]

I obtained an HDFC Moneyback card last year through a preapproval offer linked to my HDFC savings account. However, I soon realized that I had become stuck in the HDFC Low limit Moneyback cycle. Despite my other cards from Axis and ICICI having credit limits in the range of 7 lakhs, my HDFC limit remained at a mere 40k. Disappointed and frustrated with the service provided by HDFC for my primary account, I recently opened accounts with Axis and ICICI. To further express my dissatisfaction, I closed both my HDFC cards and am considering reapplying after a 3-month period.

I am curious if anyone has tried this approach of closing the card and reapplying later. If I decide to reapply, I am unsure which route would be more beneficial. Should I engage my HDFC relationship manager and negotiate based on my Imperia relationship, or should I opt for the C2C/C4C program by providing my Axis card with a credit limit of 7 lakhs? Will this potentially result in a higher limit of more than 5 lakhs for HDFC and provide me with a Diners Club Black (DCB) card? Alternatively, should I wait for preapproved offers to appear in my net banking account? I don't mind waiting, as I primarily use HDFC for its banking offers. However, lately, HDFC credit cards have been less prominent in Amazon and Flipkart sales.

I would greatly appreciate any suggestions or insights regarding this matter.

 

[PayKaroAbhi]

You heard the truth

Use Axis card

Is

Axis would work.
Btw can get amex and use that. Why amex : 1) referral benefits : ask anyone in your family or close friends to refer. 2) amex providing cards very easily right now so take a chance and ask for high limit.

Rural area bro 🙂
Even indusind and kotak aren't giving cards here

 

[shutapdiya]

Aese hi toh rate increase hoga. 4k-5k ho jaye toh mai b refer le lunga phele wala close karke. Lol

Jab Marriott me 200-300% bonus points ka offer aa jaye to shayad itna rate ho jaye Amex referral ka😂

 

[PayKaroAbhi]

Jab Marriott me 200-300% bonus points ka offer aa jaye to shayad itna rate ho jaye Amex referral ka😂

Relative ke address pe milega? 👀

 

[shutapdiya]

Relative ke address pe milega? 👀

Wo serviceable hai?

Aadhar pe change kar sakte ho? to ho skata hai

 

[PayKaroAbhi]

Wo serviceable hai?

Aadhar pe change kar sakte ho? to ho skata hai

Yes serviceable hai, but itna efforts daalke nahi karna.. afterall I'm living in an area where AMEX isn't even being accepted 🤖

 

[shutapdiya]

Yes serviceable hai, but itna efforts daalke nahi karna.. afterall I'm living in an area where AMEX isn't even being accepted 🤖

To hdfc Millenia LTF le lo Axis se c2c karwa ke

 

[PayKaroAbhi]

To hdfc Millenia LTF le lo Axis se c2c karwa ke

Kitna time baad try karu batado koi.. aaj just confirmation aya ki card bandh hogya completely..

 

[shutapdiya]

Kitna time baad try karu batado koi.. aaj just confirmation aya ki card bandh hogya completely..

Kuch logo ne likha hai forum pe ki close hone ke immediate bad bhi kar sakte hai

1 bar branch ke cc wale bande se baat kar lo

 

[simplegarv]

My mother was having firstly Easy EMI (40K Limit) which she got in 2020 and then due to the EMI issue she was given MoneyBack with 43K limit. but I later cancelled the card because of this low limit.

And then she got HDFC Swiggy CC with 40k limit and then at a later date in 2023 we applied for Millenia C2C with the card having the limit of 1.4L at that time.

But Today, I decided that we should Cancel our Swiggy CC and close the account and then open a fresh account with new customer ID and then we can later apply for C2C Millenia now with the same card having the limit of 1.74L.

So, what should be my strategy?

 

[0xfallup]

bhai Millenia apply karega toh mb+ milega

 

[simplegarv]

bhai Millenia apply karega toh mb+ milega

phir dusre cards par LE ka wait karta hu, phir regalia gold le lunga.

 

[PayKaroAbhi]

phir dusre cards par LE ka wait karta hu, phir regalia gold le lunga.

How much limit is required for Rega Gold?

 

[PayKaroAbhi]

Kuch logo ne likha hai forum pe ki close hone ke immediate bad bhi kar sakte hai

1 bar branch ke cc wale bande se baat kar lo

Usne toh 1 saal baad sakal dikhane bola

 

[shutapdiya]

Usne toh 1 saal baad sakal dikhane bola

Dusri branch dhundo

 

[PayKaroAbhi]

Dusri branch dhundo

Mera branch service wise third class hai, jabtak Twitter par escalate na kare kuch karne ko taiyar nahi hote.. request le lenge phir ghumate jao

 

[shutapdiya]

Mera branch service wise third class hai, jabtak Twitter par escalate na kare kuch karne ko taiyar nahi hote.. request le lenge phir ghumate jao

Fir tu dusri branch dhundne ki aur jada jarurat hai

 

[PayKaroAbhi]

Fir tu dusri branch dhundne ki aur jada jarurat hai

Rural area problems, ek idhar branch hai ek 30 kms door 🙂 wese main wahi se transfer krwake idhar laya tha account.. udhar toh bhaai yearly 15L+ transactions hoke bhi Classic tak nahi dia..

 

[shutapdiya]

Rural area problems, ek idhar branch hai ek 30 kms door 🙂 wese main wahi se transfer krwake idhar laya tha account.. udhar toh bhaai yearly 15L+ transactions hoke bhi Classic tak nahi dia..

Fir to mushkil hai

 

[PayKaroAbhi]

Fir to mushkil hai

Cc wala banda kaafi sad hai, mom ke pre-approved cc khud kar lia tha ₹1500 ke liye.. uska gussa nikaal dega idhar 💀 aur RM forcefully fd krwata hai jo main next day break kr deta hu 🤣

 

[simplegarv]

How much limit is required for Rega Gold?

Three Lakhs Plus