But to get rid of a card from a person with a good credit score just because it was not used “enough”?A few months later I get in the mail a credit card application. I can see a bank cancelling card accounts that were abused or defaulted on by the users. so they were getting rid of this account and probably many others who had small limits or little-used cards.I was pissed, to say the least.
Only card I had to never get a credit limit increase over the life of the card account) it was “not profitable” for Capital One to keep. I called customer service and they said that they looked at the history of the account and decided it was so little used and small credit limit (same $2000 limit I had in the early 2000s when I got it. Instead of getting a replacement card, I get a notice they are cancelling the account. However after a couple of months of their M/O of the original bank. Right after we got married I find out that the bank that issued the Discover card was bought out by Capitol.One. But I used it once a year an entire month for gas and groceries and paid it off at the end of the month just to make sure it still worked. Because not many businesses in my area take Discover compared to Visa/MasterCard, I did not use the card very much. One of the first cards I got after my divorce process was over in the early 2000s so the limit was not the highest.
Has a company/store ever treated you so awfully that you refuse to do business with them again? What happened?Ī major credit card company.I had a Discover card. I think this is the best card available in the market.
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Also it allows a free airport lounge access per quarter. HDFC customer service is best in this regard.Avoid taking credit cards offered by small banks like Ratnakar Bank,Kotak-Mahindra,IndusInd Bank,ING Vysya Bank.Choose a card with zero/ below 500 annual charges and zero application charges.Here is the final list of the best credit cards available in India.SBI Simply click & Simply Save,HSBC platinum,HDFC Signature credit card ( use this only if you hold an account with HDFC Bank)ICICI Bank Platinum Chip Visa Credit CardAs of August 2019, one of my friend is using HDFC Regalia and fortunately he doesn't have to pay any Annual charges. In fact if u wanted to redeem your reward points,you have to call Chennai.Nothing happens online for Citibank credit card. For every silly little thing you have to call the Chennai call center who has no clue to what's happening in the Rest of India. Their credit card business is controlled by their Chennai office. If by chance you miss the payment due date, they won't send any reminder smses or call you back to remind you.Ease of reaching out to customer care when u need. My personal experience with Citibank credit card is not a cordial one. Go for the card which levies minimum penalty. These are marketing traps to lure you so that you spend more.Late payment charges.
Avoid all credit cards offered by Amex and standard chartered.Reward points and cashback- don't be fooled by 10x ,20x rewards program. Similarly avoid HDFC Diners, Axis bank buzz credit card,SBI signature ,Amex Gold Card and so on. Imagine you don't use your credit card for a year, still you have to shell out the annual fees. Some cards like Standard chartered Manhattan and Platinum Elite charge 10 respectively from second year onwards. I will give you a very honest answer from the perspective of a middle class salaried person residing in a non-metro city.Parameters-No annual charges.
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