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El Tigre Chino
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So an update.

HDFC is f**king sh*t.

RM told me that he will get me LTF DCB because I am an IITD alumni and the same was promised to me when I graduated when the ban was running.

But after stringing me for 2 weeks, they have rejected even DCB let alone infinia on the basis that my current Regalia's limit is too low (the same Regalia which was offered to me as a temporary fix till I get DCB and promised a credit limit and card upgrade) and also that my spend is not that high, idk how 6L+ in last 6 months is not as high.

 

So long story short, gonna cut all of my expenses on Regalia. Trying to move to Citi Prestige.

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2 minutes ago, KunjanPSD said:

So an update.

HDFC is f**king sh*t.

RM told me that he will get me LTF DCB because I am an IITD alumni and the same was promised to me when I graduated when the ban was running.

But after stringing me for 2 weeks, they have rejected even DCB let alone infinia on the basis that my current Regalia's limit is too low (the same Regalia which was offered to me as a temporary fix till I get DCB and promised a credit limit and card upgrade) and also that my spend is not that high, idk how 6L+ in last 6 months is not as high.

 

So long story short, gonna cut all of my expenses on Regalia. Trying to move to Citi Prestige.


Yikes, be sure to let your RM know that he/she is the reason you’re moving all your expenses to another card

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17 minutes ago, Snake said:


Yikes, be sure to let your RM know that he/she is the reason you’re moving all your expenses to another card

Doing exactly that.

I threatened them I will close the card and even move bank accounts but to no avail.

 

And also in addition to that, they are saying my salary is too low. I mean, do any of the DCB/Infinia holders even meet the official requirement given on their website when they are given the card?

 

They offer DCB for 70-80k net and my earnings are way north of that. CC asks me to share the documents which I have already shared with RM, RM's head and their CC rep. Kitno ko documents share kru?

 

Just gonna keep Regalia around as it is LTF but really considering moving account to ICICI and trying Citi Prestige.

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14 minutes ago, KunjanPSD said:

Doing exactly that.

I threatened them I will close the card and even move bank accounts but to no avail.

 

And also in addition to that, they are saying my salary is too low. I mean, do any of the DCB/Infinia holders even meet the official requirement given on their website when they are given the card?

 

They offer DCB for 70-80k net and my earnings are way north of that. CC asks me to share the documents which I have already shared with RM, RM's head and their CC rep. Kitno ko documents share kru?

 

Just gonna keep Regalia around as it is LTF but really considering moving account to ICICI and trying Citi Prestige.


They just BS’ing you bro

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19 minutes ago, Snake said:


They just BS’ing you bro

Whatever it is. Anything is better than Regalia, now that Mastercard is unbanned, Citi might move back to the MC world elite variant so trying to get that. Axis might change the rewards in future but that’s a problem for another day.

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1 hour ago, KunjanPSD said:

Whatever it is. Anything is better than Regalia, now that Mastercard is unbanned, Citi might move back to the MC world elite variant so trying to get that. Axis might change the rewards in future but that’s a problem for another day.


Im currently on regalia, they offered millennia. Told them I’m good fam

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Just now, Snake said:


Im currently on regalia, they offered millennia. Told them I’m good fam

Tr00 Tr00

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5 hours ago, LordSpymaster said:

Would they even be issuing new cards? Since they got sold to Axis... 

They are. 

Prestige holders will probably shift to Axis Reserve and PM to Atlas. But for now, Citi is issuing. Haven't been able to get a call for Prestige though while others are applying for PM and then upgrading to Prestige.

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9 hours ago, KunjanPSD said:

Does anyone have a contact at Citi?

Been trying to apply for Prestige but unable to get a damn call back.

Call Prestige line at +91-22-49181050, 1-800-419-1050, one of group member got rejected so he called these numbers and got Prestige. 

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Does add-on cards also get listed in Cibil? If so what is advantage of an add on card?

 

My wife has AU Zenith so should I apply for add on or go for a new Zenith application itself?

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12 hours ago, LordSpymaster said:

Is there any credit card that gives lounge access to the card holder's +1 as well? I may want to upgrade from my ICICI Rubyx CC....

Axis Atlas, Magnus I know of. Others have to check 

9 hours ago, Root said:

Does add-on cards also get listed in Cibil? If so what is advantage of an add on card?

 

My wife has AU Zenith so should I apply for add on or go for a new Zenith application itself?

They get added as Authorised user however in personal experience untill you get your own card or loan, cibil score doesn't show

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10 hours ago, Root said:

Does add-on cards also get listed in Cibil? If so what is advantage of an add on card?

 

My wife has AU Zenith so should I apply for add on or go for a new Zenith application itself?

Nope. Add-on cards don't contribute to the holder's credit score and hence not included in Cibil.

There are only a few startups which started offering this functionality.

 

Add-on card only helps you to put all the expenses on a particular card, nothing else. Generally for milestone based expenses.

Apply one for yourself if you need one.

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23 hours ago, hannibal09 said:

Call Prestige line at +91-22-49181050, 1-800-419-1050, one of group member got rejected so he called these numbers and got Prestige. 

Trying to get PM and then convert to Prestige to get extra kick out of the welcome points.

I have a few doubts though, can I immediately apply for Prestige upgrade after getting PM?

Also what about the card fee, I assume I will only get 10,000 PM miles after I pay PM's fee, so once I upgrade I will have to pay full Prestige fee even though I will be upgrading asap?

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7 hours ago, KunjanPSD said:

Trying to get PM and then convert to Prestige to get extra kick out of the welcome points.

I have a few doubts though, can I immediately apply for Prestige upgrade after getting PM?

Also what about the card fee, I assume I will only get 10,000 PM miles after I pay PM's fee, so once I upgrade I will have to pay full Prestige fee even though I will be upgrading asap?

 

AFAIK you can call Prestige line and can upgrade without any timeline. However you need to have PM with min 3 Lac limit. Going by recent experience, PM is being issued with limit in range of 1 lac. So you will need to send documents to their head office to limit increase. Getting limit increase is not easy with Citi. 

Regarding fee, it will be on pro-rata basis. Prestige fee will levied and PM fee will be reversed. 

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On 6/1/2022 at 11:01 PM, KunjanPSD said:

For Infinia generally 8L limit and 7.5L spend in last 6 months. 

Still give it a try, send cc support and grievance cc a mail and tell them you want the Infinia Metal or else you are switching.

Hey, can you PM me the HDFC CC email id’s where I can send a grievance mail. My cc is up for renewal and would like to try my rotten luck for an infinia. 
 

Any news as to when AMEX is gonna accept new card users?

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58 minutes ago, R3D_D3ViL said:

Hey, can you PM me the HDFC CC email id’s where I can send a grievance mail. My cc is up for renewal and would like to try my rotten luck for an infinia. 
 

Any news as to when AMEX is gonna accept new card users?

Grievance.Redressalcc@hdfcbank.com

 

No idea about Amex.

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