MrAtlasBlack97
TF Neo
BEFORE ANYONE SAYS FDs are bad....ummm let's just say I paid double digit crore taxes in 2021(crypto profits and I took the "peace of mind, pay taxes in India" route). I also hold index funds and real estate. Just want to get ANYTHING back at all for paying taxes(Biz Black) and living life(Atlas, already have the card). Simple 2 card life. But I REALLY REALLY NEED THE BIZ BLACK. BTW I only got the Atlas this week and it's my first credit card. I didn't even know that credit cards could be useful before this month.
Okay so I am gonna be creating a 2cr FD at HDFC Bank (have no relationship with them, I have a few more high value FDs in SBI but they have shit cards).
I have to wait until the end of the month for my current FDs to mature and money comes into my Savings Account. Then I'll visit the nicest looking HDFC branch in my city with a blank check.
I really don't want to negotiate (have lost the ability to do so, plz gib card in ez mode). I'm only interested in Biz Black since I have 12L Advance tax payments annually. Plus it looks INFINitely cooler than Infinia.
I am thinking I should first offer to do 1cr FD only and if they say I'll have to wait then I'll blast them with the proposition of the 2nd Cr. I'll take a blank check and show them the money in my other account so they feel comfortable trusting me I guess? But what should I ask for in writing? Definitely should ask for an email saying something like "if bro's 1 or 2 Cr FD is created, we give him da Biz Black in a week/15 days"? Will they give that? Probably yes na? Keep in mind I know nobody and I'm a bit awkward.
I already have an Atlas. But only 65K limit. I only have an Axis Bank account because I had it from before 2021. Don't keep much money there coz not Systemically Important Bank(although I guess it's Pseudo SIB lol). Thinking of opening a 10L FD to get instant 8L limit on Atlas. Will they agree to increase my 65K Atlas limit to 8L even if it's my first card and I got it this week? I know I can just continue using it with 65K limit but I want the convenience of having a large limit if I buy an OLED or something you know???
Side note: if you have even 50L FD let alone 1 Cr FD AND you never missed a loan/ CC bill/ EMI payment you should get instant 900 credit score. IDGAF. Let the agencies know about everyone's FDs.
Okay so I am gonna be creating a 2cr FD at HDFC Bank (have no relationship with them, I have a few more high value FDs in SBI but they have shit cards).
I have to wait until the end of the month for my current FDs to mature and money comes into my Savings Account. Then I'll visit the nicest looking HDFC branch in my city with a blank check.
I really don't want to negotiate (have lost the ability to do so, plz gib card in ez mode). I'm only interested in Biz Black since I have 12L Advance tax payments annually. Plus it looks INFINitely cooler than Infinia.
I am thinking I should first offer to do 1cr FD only and if they say I'll have to wait then I'll blast them with the proposition of the 2nd Cr. I'll take a blank check and show them the money in my other account so they feel comfortable trusting me I guess? But what should I ask for in writing? Definitely should ask for an email saying something like "if bro's 1 or 2 Cr FD is created, we give him da Biz Black in a week/15 days"? Will they give that? Probably yes na? Keep in mind I know nobody and I'm a bit awkward.
I already have an Atlas. But only 65K limit. I only have an Axis Bank account because I had it from before 2021. Don't keep much money there coz not Systemically Important Bank(although I guess it's Pseudo SIB lol). Thinking of opening a 10L FD to get instant 8L limit on Atlas. Will they agree to increase my 65K Atlas limit to 8L even if it's my first card and I got it this week? I know I can just continue using it with 65K limit but I want the convenience of having a large limit if I buy an OLED or something you know???
Side note: if you have even 50L FD let alone 1 Cr FD AND you never missed a loan/ CC bill/ EMI payment you should get instant 900 credit score. IDGAF. Let the agencies know about everyone's FDs.
