Discussion General discussions and updates on Credit cards

[hike]

Finally I applied for Bob easy credit card and i twit for rupay credit card. I atteched my ICICI bank credit Card which has limit 1 lac RS i think my credit card will approve. After approve i will close my one sbi simpli save card

Kindly, note closing credit card will impact on your credit score better you downgrade your SBI Card to lifetime free if available else you can go for closing it.

 

[Anup Tiwari]

Kindly, note closing credit card will impact on your credit score better you downgrade your SBI Card to lifetime free if available else you can go for closing it.

No offer showing for me

 

[hike]

No offer showing for me

Contact customer care

 

[Endgame]

The cards I have:

Card	Fees (GST Extra)	Add-on
HDFC Infinia	10000	2
AMEX Gold	4500
AMEX MR	4500
Axis Ace	500
Axis Flipkart	500
BoB Eterna MC	2499	1
BoB Eterna Visa	2499	2
Citi Rewards	1000
ICICI Sapphiro	LTF
ICICI Coral	500
ICICI Amazon Pay	LTF
IDFC Select	LTF
IDFC Select 2	LTF
Indusind Platinum	LTF
Indusind Platinum Aura Edge	LTF
Kotak Urbane Gold	199
SBI Fbb	500	1
SBI SimplyClick	500	1
SBI Simpliclick 2	500
UBI Signature	LTF
Yes First Preferred	LTF

In last 5 months, few changes in my credit card folios.
AMEX MR is upgraded to Platinum Travel.
Axis Privilege was in my kitty for approx 3 months, closed it and have Vistara Infinite (with 1 add-on).
Axis Flipkart add-on which I received 2+ years ago, finally activated through Vistara Infinite Premium customer support.
2 BOB Energie cards added.
HDFC Tata Neu Infinity Rupay added (shared limit with Infinia).
ICICI Expressions, HPCL added.
Indusind Platinum Aura Edge upgraded to Signature Legend.
Kotak Urbane Gold upgraded to Privy Platinum.
Besides these, I handle my mother's HDFC Moneyback+ and wife's following cards.
Axis Vistara Infinite.
BOB Eterna Visa + 2 Add-on.
HDFC Diners Club Privilege.
SBI Elite.
So I handle total 32 cards (excluding add-on).

 

[Prithi Deb]

Got an SMS from SBI that I am eligible for a Pre-Approved credit card. And when I click on the link and apply, it is asking me to allot a percentage of the credit limit of my existing SBI CC.
So my question is if I apply for the new card, and later close the existing (old) card, does the new card gets closed too?

 

[federer.reddevil]

Got an SMS from SBI that I am eligible for a Pre-Approved credit card. And when I click on the link and apply, it is asking me to allot a percentage of the credit limit of my existing SBI CC.
So my question is if I apply for the new card, and later close the existing (old) card, does the new card gets closed too?

New card doesnt get closed here the limit will be shared in the percentage you give between old and new card

 

[Prithi Deb]

New card doesnt get closed here the limit will be shared in the percentage you give between old and new card

What happens to the total limit if I close one of the cards?

Suppose I have a total of ₹15000 credit limit. And I have allotted ₹5000 to 1st card and ₹10000 to 2nd card. Now if I close the 1st card, what happens to its credit limit? Does it get lost? Or will the ₹5000 get added to the ₹10000 of the 2nd card?

 

[federer.reddevil]

What happens to the total limit if I close one of the cards?

Suppose I have a total of ₹15000 credit limit. And I have allotted ₹5000 to 1st card and ₹10000 to 2nd card. Now if I close the 1st card, what happens to its credit limit? Does it get lost? Or will the ₹5000 get added to the ₹10000 of the 2nd card?

I am not sure about that I think it will get added to the second card but not sure

 

[kumarvishwas]

HDFC is offering increased credit limit to customers, you can check if you have a HDFC Card, mine got increased by 50K.

 

[Endgame]

HDFC is offering increased credit limit to customers, you can check if you have a HDFC Card, mine got increased by 50K.

Mine is standstill since 3 years. 2 years prior it was rocketed.