I don’t know what this is but on a reddit post I saw people crying for wisprflow subscription. I checked on ChatGPT and then I came to know it’s useless for me. I want to do some finally good use of my CRED coins. I am planning to give it to anyone who wants it.
I have 6 credit cards with total limit of 10L. I closed my old SBI card because of low limit of 32000. My salary credit is in SBI. But, they are not considering anything except “OVERLEVERAGED” .
Is there any work way around ? They also don’t give on C2C basis.
Or it’s time to move salary into HDFC.
My mother is really great at cooking and is appreciated greatly for her cooking style from all sorts of people. She has passion for cooking and wanted to enter into home cooked food business.
But, we have no background with any business or food business. Our family belongs to govt/corporate jobs sector. And my mother was nudging from last 1 year and finally I agreed.
I need some advice !
How would you recommend deciding menu, portion size and dishes ?
How to decide pricing ? What should be markup and discount?
How much time it can take to receive first order ?
Apart from zomato, should i register on other platforms too ?
Our aim is to provide best possible food with original items as we eat in our family. No adulterated stuff at any stage which can satisfy standards of Tukaram Mundhe.
We are ready to take hit on profit for first year but brand should grow.
Any advice/opinion /suggestion is greatly appreciated.
I tried every possible way to enhance CC limit or upgrade on my HDFC card. But always rejected. Does HDFC has any beef with me ? Currently, I am at base card of freedom Rupay with 50K limit (lowest among all). Recently, I got mail to send documents via courier to Chennai office. I don’t now it sounded like delay mechanism.
I have savings account with them and HDFC is my main expenditure bank. I have few FDs with them too. Their RM keeps calling me for pre approved 15L car loan but can’t help in enhancement of CC limit.
How people are getting auto approved offer to enhance limit or card ?
I am Salaried with CIBIL - 755
I hold ICICI Sapphire ( 3L), ICICI Amazon pay (1L), Onecard (1.5L), Axis (1L), IDFC Millennia ( 1L).
After upgrading from IP13 to IP 17 PM. The only distinction and unique experience is this dynamic island 😂😂.
Apart from that, I am not even able to make any difference with camera quality or display quality.
I feel like running same old phone.
It means iphone is atleast built for 5-6 years of use to experience noticeable upgrade.
I saw this ad on my yahoo mail /my gate app / amazon app. Why American express is heavily advertising for this card ? Does anyone really use it and able to grab benefits of price paid ? After recent devaluation, I don’t know why anyone with right mind will pay 66k fee.
I saw yesterday that amazon don’t even give any offer or discount on Amex card. Even not accepted by many merchants too.
Anyhow, I maybe wrong. Share your opinion.
You can guess the color of her iphone and mine.
From last 1 year, I was looking to upgrade mine and finally did with IP 17 PM.
I have only premium card of ICICI sapphire (3L) (~not so premium)
Axis gave me base cards (1L)
One card (1.4L)
Hdfc is stuck at freedom card from 2 years. I have done every escalation to upgrade. I am done with this bank.
Should I get this amex platinum reserve card for points ? I do 1 international trip and 2 domestic trip every year. Will I be able to justify 10k annual fee. Till now all CC is LTF for me. But I also want to jump into reward points game.
Till now I was playing cashback cashback on Amazon pay card and axis airtel card.
What’s your take who is using this card ? Please share your experience.
I applied for BOB eterna 15 days ago. 10 days ago someone came for address verification. From then onwards…no updates/communication.
Should i forget now ? I heard contacting RM is useless.
I applied for SBI cashback credit card but it got stuck. My Aadhaar address and office address is in different states. Maybe that can be reason for KYC ?
My delivery address was fetched from my SBI savings account automatically. I only filled in office address.
Also, I have 9 credit cards ranging from 90k to 3 Lakh. So, am I over leveraged?
I never chased reward points. But, I always had FOMO because everyone was apparently running for it. Although, I also never wanted extra burden of spending to achieve certain 5x/10x accelerated rewards.
I always believed in Cashback is king. I knew credit cards are not long term strategic financial instruments. Today it’s there and their policy will shift overnight. My theory : Credit card companies are there to earn profit from you and not give profit to you. Everything is temporary.
I am using simple credit cards. Amazon pay/ Flipkart axis/ Airtel axis rupay/HDFC swiggy. My 90% of monthly expenses go via this route.
These are exactly my card collection. I have taken help of AI for image representation for privacy purposes.
My usage for optimisations
Amazon pay - Most of monthly shopping for miscellaneous stuff (4k)
ICICI Sapphiro/HDFC freedom/SBI simpleclick- For big ticket purchase during sale
Axis airtel rupay - Entire monthly grocery/utility (20k)
Axis neo - Blinkit shopping monthly (250 discount /month) and Zomato (120 Discount twice)
Axis flipkart - Rarely used for low price ticket
Onecard - All monthly subscription
Yes bank - Backup rupay card for upi
IDFC - Flight booking
Kotak 811 - Closing for being useless
Context : I am using HDFC freedom card from last 2 years but limit was too low of 50K. I hit 90% expenses still never got any LE offer. I am unable to use it now anywhere because of low limit. So i requested for upgrade to millennia card and limit too.
Recent experience : I am unable to buy big ticket electronic products nor able to book international flights for my recent trips. ICICI is my saviour with limit of 3L. Booked my international tickets, upgraded new iphone and also ordered a premium Lg soundbar.
My take: I am able to provide all necessary documents on online link and mail. But why this hassle of physical documents ?? This looks like harassment nothing less in digital era.
My freedom card is LTF. Should I close it and apply later or HDFC is useless now. I have my salary account in SBI which I am not moving for sure. My other cards : ICICI - 3L, Axis - 1L, onecard - 1.4L , IDFC Millennia - 75k.
I have recently ordered Iphone 15 plus from amazon. I am also exchanging my iphone 13 for 17k. I am also getting cashback of 2.5k on Apay credit card. Net price is ~50k for 15 plus.
My situation: I was in need of big battery and big display. So, I ordered iphone 16 plus 8 times on Flipkart but it was auto cancelled every-time.
I checked 16 plus in offline market but not available anywhere. And next good option for big battery and display was IP 17 pro max for 1.49 lakh. It is out of my budget.
So, one fine sunny day I saw iphone 15 plus on Amazon and ordered instantly because it was satisfying needs of big battery and display also within budget.
But one thing I always think, buying iphone 15 plus is good decision or bad in year 2026 considering about using for 3-4 years.
It was pre approved for me and FYF. So, I took it.
I don’t know if there is any real benefits of it.
I do 2 domestic and 1 international trip annually.
Now, how can I maximise benefits? Or I have to close till next year ?
Today, I went to second hand car dealer. Spent some time with this car. Dealer is quoting 3.9 Lakh for 2017 ford ecosport model.
Travelled - 76000 KM
Tyres - MRF good condition
Transmission- Manual
Car condition was decent. I checked AC/reverse camera and all power windows. Engine was also in good condition.
Only wiper need to be changed.
I am first time buyer. What things should I check and should i take one mechanic with me ? Is ford in 2026 good deal. I need to drive for 3-4 years maxx.
I am very close to getting Kotak 811 super account. But can anyone confirm, if credit card bill payment working via freecharge currently?
Can anyone confirm? Also does Kotak DC gives cashback on fuel buying also and what % ?
So, flipkart cancelled all orders till I ordered. Most horrible sale of the year. I wanted 16 plus cuz of good battery and big display and it was only available on flipkart sadly.
Now CRED app is unable to read refunds. So it’s showing 5L+ expenditure. I use cred for tracking monthly /quarterly expense. Now everything is screwed. Thanks flipkart for horrible experience.
I wanted a big display and good battery this time so I wanted to upgrade from IP13 to 16 plus. But I ordered before sale and then I realised, I should have waited for GOAT sale. So, I cancelled earlier.
Now, yesterday all IP16 plus was out of stock. Waited for 2 hours and finally got IP17 at 49K.
Even God doesn’t want me to have IP16+.