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Regalia LTF to Millinnea Paid as Upgrade offer

Are you trying to imply that there is any resemblance of thinking in what SCAMDFC does

There sure is some kind of thought process involved in HDFC's actions.

Otherwise, if they were just random, sometimes they would turn out to be logical too! But they are always unexplainable by logic! 🙂
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After months of chasing HDFC for CL enhancement and Card upgrade, finally I received an offer to upgrade. HDFC Regalia LTF to MILLINNEA FYF. What is the thought of HDFC while doing this?
HDFC be like:
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