Good bro, atleast you took credit card and accepted it. I have been working since 2010 and didn't even know about credit card till end of 2022.omg , these many struggles to get infinia ltf , I joined in a company around 2015, 1st time i got credit card of hdfc money back and my salary account also in HDFC, later it was upgraded to regalia automatically and in 2020/2021 i don't remember exactly , one afternoon I got a call from some bank person , i don't have classic account either and offered me free infinia LTF , i don't know exactly features of the card but what i know is it was premium care and i accepted , at that time my limit is below 10L , but while upgrading card, limit also enhanced to 11L something ,btw when i received infinia my salary is not even 10L PA 😀
Whenever some bank calls asking if i need credit card, I would say NO and cut the call.
I didn't even know what a credit card is till I myself thought of getting to know about it later in 2022.
I feel like I wasted half of my life 😛 😀