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]

Three Lakhs Plus

Should I give it a try? Can it be downgraded to millennia later?

 

[shutapdiya]

Three Lakhs Plus

I think thats limit to request for upgrade, here what OP is asking for how much CC limit should be there on Axis card Regalia Gold c2c application

 

[simplegarv]

Should I give it a try? Can it be downgraded to millennia later?

Yes, Yes you can and you should.

 

[PayKaroAbhi]

I think thats limit to request for upgrade, here what OP is asking for how much CC limit should be there on Axis card Regalia Gold c2c application

Yes exactly , how much limit is required for c4c method?

 

[simplegarv]

Yes exactly , how much limit is required for c4c method?

I think thats limit to request for upgrade, here what OP is asking for how much CC limit should be there on Axis card Regalia Gold c2c application

3 Lakhs is the required limit to be eligibile for Regalia Gold but for a safer side you can take 3.75 Lakhs (20% more).

 

[PayKaroAbhi]

3 Lakhs is the required limit to be eligibile for Regalia Gold but for a safer side you can take 3.75 Lakhs (20% more).

I think federal bank with 4.2L will be a good-to-go card in this case?

 

[simplegarv]

I think federal bank with 4.2L will be a good-to-go card in this case?

Yes, sure it will suffice, you must give it a try.

Can I ask one question, how you got Federal Bank CC and what CC do you have in your collection. Kindly DM me.

 

[PayKaroAbhi]

RM ko call kia tha toh bolta Millennia card 2 card hoga ya nahi confirm nahi hai.. dusra bhi mil skta hai.. salary slip ho toh confirm milega ya phir offer hona chahie pre-approved 😐

 

[BRB]

As I mentioned in title, both cards were closed 3 weeks back. The statements were generated for both cards almost a week back and I de registered both the cards from HDFC netbanking portal as well.

But still I am getting the offer to covert my transactions to emi on my credit card in the offers tab.

Instead I was hoping to get the new pre approved offers. Any idea when it will start showing up.
I am an imperia customer.

 

[Akashn]

As I mentioned in title, both cards were closed 3 weeks back. The statements were generated for both cards almost a week back and I de registered both the cards from HDFC netbanking portal as well.

But still I am getting the offer to covert my transactions to emi on my credit card in the offers tab.

Instead I was hoping to get the new pre approved offers. Any idea when it will start showing up.
I am an imperia customer.

Minimum 5 Months

 

[Deleted member 5552]

I closed HDFC PanautiBack 15 months ago, received pre approved offer for credit card after 10 months of closure.

Pre approved cards were Freedom (😡) Tata Plus and Indian Oil Card with only 25 k limit 😐

I didn't accept it and took a good decision to avoid these 3rd class foolish cards forever

From December, again my limit increased to 1.22 L with Business PanautiBack Card (😡)

Waiting for a Millennia or any other cards... Also mailed priority redressal team for pre approved Millennia card.. But there is no hope 🙃

 

[PayKaroAbhi]

I came to know that if you check your eligibility online for HDFC cards, if it shows some PanautiBack IndianOil only there, then even if you apply c4c, the agent will change the variant to those eligible cards without informing you (just to complete Target) and as a result you will get another card automatically. And for me, I think they'll never give Millennia to me manually, I need to wait for pre-approved offer only! 🙂 Don't know when HDFC will do that!

 

[PayKaroAbhi]

Hey everyone, I applied for Millennia via C4C after 3 months of closing my MoneyBack+ and Neu+ cards, and initially the application got processed for Millennia card but then the application was put on hold as I'm not eligible for Millennia as per their policy. They offered me LTF MB+ again and I agreed now because I just wanted a LTF core card which I didn't get previously. They processed the application again for MB+ and it got rejected due to multiple cibil enquiries 😒, I again requested for a reconsideration and got a call that they are reconsidering it and today I got a call from residence verification agent and it is also passed. Now don't know what really they'll do! What do you think guys?

 

[vijay.vj]

Hey everyone, I applied for Millennia via C4C after 3 months of closing my MoneyBack+ and Neu+ cards, and initially the application got processed for Millennia card but then the application was put on hold as I'm not eligible for Millennia as per their policy. They offered me LTF MB+ again and I agreed now because I just wanted a LTF core card which I didn't get previously. They processed the application again for MB+ and it got rejected due to multiple cibil enquiries 😒, I again requested for a reconsideration and got a call that they are reconsidering it and today I got a call from residence verification agent and it is also passed. Now don't know what really they'll do! What do you think guys?

I just hope that you don't regret your decision of considering MB+ again, even if its LTF in future...

 

[PayKaroAbhi]

I just hope that you don't regret your decision of considering MB+ again, even if its LTF in future...

They're saying that even c4c LTF offer is discontinued from this new financial year. Now all cards are paid 🥲

 

[cardy]

They're saying that even c4c LTF offer is discontinued from this new financial year. Now all cards are paid 🥲

Banks are becoming hard on amc now a days