Need advice for HDFC CC
So i have a savings account in HDFC which i used for small expenses and nothing more. But now its completely dead so i was planning to close it but i was offered a Moneyback CC. Did some research and went through this community and got to know that its not a great card. Im new to CC game.
I already have amazon icici, sbi cashback and airtel axis cc. Not a heavy user of anything. Cibil is 790. Self employed. Just want to save some money on my online spending.
My question, is it a good idea to accept the offered CC and use to get upgrades in future. Or i can put some FD for sometime, will it get some good CC offers on my way (not secured CC). Or just close the account and live peacefully in this era of CC devaluation.
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