u/Ill-Pomegranate-9555

So I've been using Tata Neu Plus HDFC card for some 3 years with initial limit of 40K and then periodically they've increased a little by little and after a couple of times it's 65K and they again offered to enhance it by 9K.

I also have been using SBI, went from 50K to 105K and Axis went from 28K to 115K in a single go. Recently got ApayICICI directly 120K limit.

I have no savings or salary accounts with any of these banks(have one SBI zero balance account but I don't use it that much)

I got a feeling like HDFC has been downplaying me and I don't feel like accepting these peanuts anymore. In these years I have written emails to them to upgrade and even downgrade my card to some core card but it feels like they are just saying no without even reading the mail. I would have closed the card but only kept for HDFC discounts and it's obv LTF.

31M, 50K/m

(OC)

It was at 2pm today, so I booked a cab near Patamata Lenskart to go home in AC. Cab vochindi, OTP cheppanu and driver anna ni AC on cheyamani adiga. Cheyyanu AC ki premium car book cheskovali annadu. Sare cancel cheyandi nenu vere cab book cheskunta annanu(I went there in Economy booking with AC)

For that short 30 seconds and 50 meter ride he demanded 100rs(he did travel 1.5km to pick me) but the rapido bill came out zero. Nenu pay cheyanu, rapido vallatho matladuta annanu.

I started a chat and he waited patiently for a couple of minutes. But rapido didn't connect me with anyone. Now he started being rude and turned rowdy in a couple of minutes. I repeatedly requested him to be polite (I was with a relative 50F).

At this point I just wanted to pay him and get it over with but couldn't just pay as he was insulting me. It was escalating quickly and i started to record just to be safe and it made him very angry. He tried to snatch my phone and warned me to break the phone if I didn't delete the video. I didn't want to get into petty fight on a road over a 100rs and paid him. He made me delete the videos and left(I just restored from trash).

Here is the plot. Rapido has 2 car segments in Vijayawada.

Cab economy and Cab premium. In the app Economy is described as "affordable car ride"(with a doodle of hatchback) and no mention of AC at all. Premium cab is described as "comfortable sedan ride" (with a doodle of sedan) and here also no mention of AC at all. I know many big cities have non AC cab options but their name clearly shows "Non-AC cab".

Leaving all these things, should I have just paid at the beginning and avoid this incident? In every similar future situations like these, or should we stand our ground? Or just pay our way out?

What kind of attitude works best, specifically in our city(moved here 3 years ago)