Need suggestions on closing HDFC Swiggy

[Xposed]

I have

• SBI SC CC
• HDFC Swiggy
• HDFC MB+
• Axis MYZONE
• ICICI CORAL
• ICICI APAY
• ICICI PLATINUM

I want to ask learned friends whether my decision to close HDFC Swiggy is good or not, as it is the only paid card i have and all others are LTF

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

Tagging for help @S S V @pprakash11 @Pothi @Walter White @Shubham Yadav @raghu.rokda

 

[Xposed]

I saw 5% on FK, HDFC didn’t want to give millennia so it made sense back then 😂 @S S V bro

 

[Xposed]

@Xposed

You took Cobranded card from HDFC as your first card so its gonna be very hard to get core card form HDFC. Keep in mind while closing your swiggy card if you decide.

For LTF and LE its entirely in the hand of Bank mail HDFC every possible ways to make that happen.

Took Airtel card for swiggy.

no HDFC MB+ was my first HDFCBANK CARD

 

[Shubham Yadav]

no HDFC MB+ was my first HDFCBANK CARD

Mail HDFC then see what they say

 

[Xposed]

Close ICICI Platinum

it’s a LTF card , can you please explain why close ICICI

 

[raghu.rokda]

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

How much limit?
How much old ?
How much spent?

 

[Pujaari]

I spend more than 15k per month on Instamart for my grocery needs, which takes care of my annual charges. Although I haven't seen any 10% discounts on daily milk, bread, daily fresh fruits, and vegetables, I find the 10-minute delivery service very convenient and practical. There is no need to buy in bulk and store, and the prices are not exorbitant, considering how convenient the service is. See how much of a swiggy user you are and which all of its sevices you value before closing the card.

 

[Xposed]

How much limit?
How much old ?
How much spent?

48k CL, 1.5 years, ~25% every month

 

[raghu.rokda]

48k CL, 1.5 years, ~25% every month

So you spent approx 1.5 lakh in last 1.5 years
Most probably you get LE before completion of 2nd year

 

[Xposed]

3L because,,i maxed out the limit a few times in early days because it was my first credit card

 

[AritraSaha]

I have

• SBI SC CC
• HDFC Swiggy
• HDFC MB+
• Axis MYZONE
• ICICI CORAL
• ICICI APAY
• ICICI PLATINUM

I want to ask learned friends whether my decision to close HDFC Swiggy is good or not, as it is the only paid card i have and all others are LTF

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

Tagging for help @S S V @pprakash11 @Pothi @Walter White @Shubham Yadav @raghu.rokda

If you use swiggy quite frequently.. then should keep this card..

I have

• SBI SC CC
• HDFC Swiggy
• HDFC MB+
• Axis MYZONE
• ICICI CORAL
• ICICI APAY
• ICICI PLATINUM

I want to ask learned friends whether my decision to close HDFC Swiggy is good or not, as it is the only paid card i have and all others are LTF

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

Tagging for help @S S V @pprakash11 @Pothi @Walter White @Shubham Yadav @raghu.rokda

Try to mail- spam the hdfc to make the card lft.. as there giving lft swiggy card some ppl..🤠

HDKFC will give you LE within 10 Years..😂

 

[helloworld]

it’s a LTF card , can you please explain why close ICICI

Coral will do the same as platinum. Whatever you want to spend, spend on Coral and I hope based on your post it is also LTF. Keep it simple and makes you remember when you spend on those cards, and I hope these are not your regular cards that you use daily, and also CIBIL considers both as single card so, not helpful for credit utilization also. No point of having this card with Coral LTF.

Also, even if it is LTF - if you're not using then no point to keep it. Also, you can always get this card later, if you really found a purpose.

 

[Xposed]

It’s good to have multiple cards for AMAZON/FK sales, you can redeem the discount multiple times, I had redeemed it thrice thru all my ICICI cards in recent sales plus I could use these cards thrice every month for 10% on FK grocery, so yeah 😂

 

[helloworld]

It’s good to have multiple cards for AMAZON/FK sales, you can redeem the discount multiple times, I had redeemed it thrice thru all my ICICI cards in recent sales plus I could use these cards thrice every month for 10% on FK grocery, so yeah 😂

As a student, I didn't expected you're using those cards multiple sales (sometimes maybe three times or more) every month. In this case, you can keep it.

 

[Xposed]

As a student, I didn't expected you're using those cards multiple sales (sometimes maybe three times or more) every month. In this case, you can keep it.

I buy it for my family, while keeping spending under 6k, so no AIS letters 😜

 

[Xposed]

Jau ka hout

What do you Mean??🙋

 

[Pack_of_Cards]

also I want to ask how to get LE on HDFC my card as it's my first card and with the lowest credit limit of all my cards

I guess answer to card closure you already got. Here are some threads how to and how not to go for LE in HDFC.

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[raghu.rokda]

What do you Mean??🙋

I said what is AIS letters

 

[Xposed]

I said what is AIS letters

IT department notices

 

[SSV]

IT department notices

Have you closed that stupid Swiggy card yet??

 

[sxchzy]

I said what is AIS letters

annual income statement