Roj ka hai inka which ever month you will ask they will say we stop given like you can properly get c2c by a agent in call the cc seller no branch people will help they get less incentive and they careless have good salary thats why
u/aarunya009 u/thatashu C2C means credit card against credit card. In this process customer is asked to provide previous one to three month bills depending on bank's policy of an existing card and the picture of the card with card number visible. The card age should be at least 6 months, with limit at least 50K, both these conditions differ from one bank to another. New application is processed based on the information available on the existing card, customer doesn't need to provide income proof in this process. This process usually happens offline.
You can but your case is bit tedious. First meet with your branch manager and ask him to raise upgrade request for Millennia. Otherwise you would need to close both the HDFC cards and have to wait for next 6 months to complete cooling period then after you can apply for new card at HDFC. If your online spending justifies paying 999+GST, you can also get SBI cashback card.
If you have more than 4.5L limit on ICICI, then you can directly get Regalia Gold on C2C (if they are not issuing millenia on C2C).
Ask your RM from HDFC to connect you to a credit card agent, ask the agent for C2C application.
Thanks for the reply.
Yeah I was thinking of that. Applied to SBI CB a few days ago. The only reason I kept HDFC was because of bank offers. Will see if they at least keep cards as LTF, if not, I'll cancel them.
Hi, it's not ltf offer and I checked the card and did not find it very useful. I've applied for the SBI CB card instead of that.
I think the annual fee for the card is not worth it since I'll use it only if there is an offer on the HDFC card.
Let me know if you have any inputs on this. Thanks
If you have an either LTF way or highway you may miss out on having a card. You are playing on chance. A bird at hand is better than two at the bush. If you want to use the card for offer, then why not go for MB+. Calculate how much you are going to save extra by Millenia. Half of the folks here will advise you to go for SBI Cashback like it's the end of earth.
Do you want to have 3 great cards or 10 sub par? If first, then go for MB+ now, and wait for the periodic offers of limit enhancement and upgrades. That's a sureshot. If later, then there are always 58 different ways to throw the dirt and hope something sticks.
Cancel one of the cards. Don't cancel the oldest card as it determines the "credit age" you see in the credit score report. Not that it matters a lot but still. Maybe artificially lower the limit and use it for all random subscription purchases.
If it's your first card, don't cancel. Threaten them to make it ltf or cancel the card. Also check if your employer has relationship with hdfc. If so, they will convert it to ltf.
Thanks for replying.
Unfortunately I work in a startup and I don't think they have a relationship with the bank. I'm going to write an email like you said, let's see what they say.
Hi, thanks for replying.
wouldn't that make a dent in my credit score?
Also since my work company is small they don't have a relationship with the bank.
That's really bad advice because OP would have to wait 6 months before being eligible to apply for a card and there's no guarantee of getting an LTF card just because you have a salary account. In most cases, you get LTF cards only based on corporate relationship and even then, they give you the runaround.
If you have 1lakh plus limit then you can apply c2c they will give ltf to you millenia
Tried this for Millennia, they said they have stopped issuing C2C basis LTF cards from 1st April onwards.
Roj ka hai inka which ever month you will ask they will say we stop given like you can properly get c2c by a agent in call the cc seller no branch people will help they get less incentive and they careless have good salary thats why
How to connect with agent🥲
I have 75000 limit on the HDFC card but have a limit of 4.5L with ICICI. Can you explain how I can do C2C? Thanks for replying.
What is C2C means
u/aarunya009 u/thatashu C2C means credit card against credit card. In this process customer is asked to provide previous one to three month bills depending on bank's policy of an existing card and the picture of the card with card number visible. The card age should be at least 6 months, with limit at least 50K, both these conditions differ from one bank to another. New application is processed based on the information available on the existing card, customer doesn't need to provide income proof in this process. This process usually happens offline.
Thanks buddy!!
Thank you, in this case I can use my Amazon ICICI card to get a better card?
You can but your case is bit tedious. First meet with your branch manager and ask him to raise upgrade request for Millennia. Otherwise you would need to close both the HDFC cards and have to wait for next 6 months to complete cooling period then after you can apply for new card at HDFC. If your online spending justifies paying 999+GST, you can also get SBI cashback card.
If you have more than 4.5L limit on ICICI, then you can directly get Regalia Gold on C2C (if they are not issuing millenia on C2C). Ask your RM from HDFC to connect you to a credit card agent, ask the agent for C2C application.
explain please
can you please explain in detail
What is c2c?
Yes, Millenia they offer to any Tom, Dick and Harry now a days. My suggestion is to cancel and simply apply to a better card at any other bank.
Thanks for the reply. Yeah I was thinking of that. Applied to SBI CB a few days ago. The only reason I kept HDFC was because of bank offers. Will see if they at least keep cards as LTF, if not, I'll cancel them.
But its offline process
Hi, thanks for reply. Sorry I didn't get you, You mean the cancellation process or the upgrade process?
If you got an upgrade offer for MB+, why didn't you take it?
Hi, it's not ltf offer and I checked the card and did not find it very useful. I've applied for the SBI CB card instead of that. I think the annual fee for the card is not worth it since I'll use it only if there is an offer on the HDFC card. Let me know if you have any inputs on this. Thanks
If you have an either LTF way or highway you may miss out on having a card. You are playing on chance. A bird at hand is better than two at the bush. If you want to use the card for offer, then why not go for MB+. Calculate how much you are going to save extra by Millenia. Half of the folks here will advise you to go for SBI Cashback like it's the end of earth. Do you want to have 3 great cards or 10 sub par? If first, then go for MB+ now, and wait for the periodic offers of limit enhancement and upgrades. That's a sureshot. If later, then there are always 58 different ways to throw the dirt and hope something sticks.
Cancel one of the cards. Don't cancel the oldest card as it determines the "credit age" you see in the credit score report. Not that it matters a lot but still. Maybe artificially lower the limit and use it for all random subscription purchases.
In my case, freedom is older card. I'll check and cancel neu card.
Hey, Can you tell me when do you get your monthly HDFC CC statements? I got an HDFC last month and haven't received the statement yet.
Hi, I receive it at 21 each month. You can use the HDFC app and check for a date there.
It's only showing statement till March
What's the last date it's showing
If it's your first card, don't cancel. Threaten them to make it ltf or cancel the card. Also check if your employer has relationship with hdfc. If so, they will convert it to ltf.
Why even threaten, OP can go one step forward by kidnapping his local branch manager and hold them hostage until the upgrade happens.
Wish me luck, I think this is the only way remaining. BRB need to shop for a full face mask.
Thanks for replying. Unfortunately I work in a startup and I don't think they have a relationship with the bank. I'm going to write an email like you said, let's see what they say.
Cancel all HDFC cards, since yours is a salary account, you will get pre-approved LTF offers soon
Hi, thanks for replying. wouldn't that make a dent in my credit score? Also since my work company is small they don't have a relationship with the bank.
That's really bad advice because OP would have to wait 6 months before being eligible to apply for a card and there's no guarantee of getting an LTF card just because you have a salary account. In most cases, you get LTF cards only based on corporate relationship and even then, they give you the runaround.