Hey guys,
I am currently holding two HDFC credit cards namely :
1. SWIGGY HDFC (Co-Branded) LTF
2. HDFC PIXEL (Core) LTF
After getting my Swiggy credit card, I wanted an HDFC core card to avail instant discounts on sales. In this process, I did not do my due dilligence and ended up applying for the PIXEL PLAY card since it was being offered LTF by the bank. So I went ahead with the application and did not deliberate on the credit limit split with my Swiggy card. It is only later that I realised that the limit cannot be reversed even if I close the PIXEL card. I have been using the pixel card sporadically over the last few months and find a lot of unnecessary issues that come with it. I am now being offered the HDFC Virtual rupay UPI card LTF on my pixel app and I am wondering if I should go for it.
I request your valuable input on these issues:
1. I am considering the virtual UPI card because I want to keep a core card for sale discounts. I dont expect any great benefits from it. Will it work for amazon/flipkart sales?
2. I want a card integrated to the HDFC system proper (MyCards) but I want a LTF card. PIXEL operates via payzapp independent of HDFC and the customer care response is terrible.
3. Since it is likey that I will not get my split Credit limit (Rs. 95,000) back from the PIXEL if I close it, How much of an effect will it have on my CIBIL score?
4. Has anyone had any success in getting HDFC to revert the credit limit from PIXEL back to an HDFC card proper?
Regards.
I am currently holding two HDFC credit cards namely :
1. SWIGGY HDFC (Co-Branded) LTF
2. HDFC PIXEL (Core) LTF
After getting my Swiggy credit card, I wanted an HDFC core card to avail instant discounts on sales. In this process, I did not do my due dilligence and ended up applying for the PIXEL PLAY card since it was being offered LTF by the bank. So I went ahead with the application and did not deliberate on the credit limit split with my Swiggy card. It is only later that I realised that the limit cannot be reversed even if I close the PIXEL card. I have been using the pixel card sporadically over the last few months and find a lot of unnecessary issues that come with it. I am now being offered the HDFC Virtual rupay UPI card LTF on my pixel app and I am wondering if I should go for it.
I request your valuable input on these issues:
1. I am considering the virtual UPI card because I want to keep a core card for sale discounts. I dont expect any great benefits from it. Will it work for amazon/flipkart sales?
2. I want a card integrated to the HDFC system proper (MyCards) but I want a LTF card. PIXEL operates via payzapp independent of HDFC and the customer care response is terrible.
3. Since it is likey that I will not get my split Credit limit (Rs. 95,000) back from the PIXEL if I close it, How much of an effect will it have on my CIBIL score?
4. Has anyone had any success in getting HDFC to revert the credit limit from PIXEL back to an HDFC card proper?
Regards.
