I do not keep high balance in accounts, rather put it in super pots/FDs and or investments. To solve my monthly expenses I have a rotating system of monthly super pots but that is kind of hard as you need to prepare for it 1 year in advance.
If I have a huge amount of funds saved up, I would consider depositing them into my bank accounts (especially SBI) and patiently await any communication from their credit card teams.
In the event that I receive pre-approved offers, I would politely decline those offers.
Ultimate Revenge