Your most used 3 credit cards?

[shettysrc]

Diners for everything and tata neu for upi.
If diners not accepted then I need to find which one to use.

 

[imdjay]

Infinia
EPM
IndusInd Rupay Platinum

 

[iamdhamo]

Axis Ace online and offline
Amazon ICICI for offline gold purchase if GV not accepted and amazon.
Indusind for offers.
LIT for everything planned.
Tata neu, daily small UPI.

Tried to get SBI CB as my online purchases are very high, but couldn't get it due to high credit leverage.

Try closing indusind if it's platinum and reduce limits in axis ace n tata neu n then apply for sbi cashback

Make sure if u r salaried ur overall CL is max 1.5x of ur package n see

 

[fradela]

Online & Offline: Yes UNI Gold X [5% cashback on online [Amazon, Zepto] and offline stores[Decathlon, lifestyle, max])
UPI: HDFC Tata Neu Infinity
Grocery: RBL Shoprite + HDFC Pixel Play (Smart Bazzar and Reliance Fresh)
Fuel: BoB HPCL Energie

All are Life Time Free Cards.

 

[iamdhamo]

Infinia
EPM
IndusInd Rupay Platinum

How u got epm?

 

[SatyG]

I have 16 credit cards in total, but I use Tata Neu Infinity(Upi+offline), HDFC Swiggy(Amazon, Flipkart, Uber, Swiggy) and Axis Airtel(Utility, Airtel recharge) the most on regular basis.

 

[Finchamp!]

Yes Kiwi - for UPI
Indusind Indulge - for 0 MAB Exclusive A/C + Child's school Fees + Wallet Loading (e.g. Milkbasket) + Eazydiner Offers
Axis Atlas - for everything else (including fuel using Park+). *Just recently I've taken the Kotak 811 Visa Infinite Metal Debit Card which, at least on paper gives, 7.5% CB on fuel - will test and confirm.

 

[Raghav2006Raghav2006 is verified member.]

Try closing indusind if it's platinum and reduce limits in axis ace n tata neu n then apply for sbi cashback

Make sure if u r salaried ur overall CL is max 1.5x of ur package n see

Bro, the current total limits as per credit report is around 1.5-1.75X of post tax income incl. bonus.
The thing is just before applying SBI I closed a kotak cc which had a limit of 2L.
The major >50% constituent of my available limit is my ICICI core and Apay (Both have a limit of 5.8L but I haven't used core in the last yr or more and it shows 5.2 in credit reports). My axis, indus,AU, HDFC have a combined limit of 9.5L. Which means once kotak is removed from my report my available limit will be less than 1.5X of income.
How do I reduce limits? You mean by surrendering the limit (if it is a feature) or by limiting it using netbanking, in that case I can put the limit of my ICICI cards to 2L each as I don't use them much now.
I also hold a SBI corporate CC (office issued it, I don't think it would be reported in my reports as I am not liable for it)

Can't close any of these cards as (Indus is Pinnacle and I need Int. lounge and 0 forex.)

Also, do they consider loans too?
Also, during my SBI application, I was able to put only half of my name as putting full name (9 alphabets) caused issues due to which either I couldn't put DOB or would get error to try again later, application got through with half name.

Sorry for the long reply, thanks.

 

[CardTox]

SBI cb, Apay cc, HDFC T Infinity.