u/Ok_Chipmunk_4146

https://preview.redd.it/q3yyhflynl6h1.jpg?width=1866&format=pjpg&auto=webp&s=d445c994a3c069e80d301f3a78c1213a0868e7cf

I didn't expect that they would report it. I mostly did it for cash rolling, but stopped doing it from April 2026.

The reason is that a friend of mine needed short-term funds throughout the year. He is a business owner with a turnover of over 50CR. I would make payments using my RuPay credit card to a merchant QR, and then my friend would repay the credit card bill directly from his bank account before the due date. The same amount would often get reused multiple times during the year, so the turnover became very high even though I wasn't actually spending ₹57.9 lakh on myself. I never received the money in my bank account, and I didn't earn any commission, interest, or profit from this arrangement. The repayments were made directly from my friend's bank account to my credit card account.

https://preview.redd.it/arf8b6bpll6h1.jpg?width=1866&format=pjpg&auto=webp&s=f43d63967ffdb63b65ce3f182cb31642dcb31874

I didn't expect that they would report it. I mostly did it for cash rolling, but stopped doing it from April 2026.

https://preview.redd.it/j5jra20jjl6h1.jpg?width=1866&format=pjpg&auto=webp&s=bef4fc14860af48d2488ae850af9b847c0eb8611

I didn't expect that they would report it. I mostly did it for cash rolling, but stopped doing it from April 2026.

The reason is that a friend of mine needed short-term funds throughout the year. I would make payments using my RuPay credit card to a merchant QR, and then my friend would repay the credit card bill directly from his bank account before the due date. The same amount would often get reused multiple times during the year, so the turnover became very high even though I wasn't actually spending ₹57.9 lakh on myself. I never received the money in my bank account, and I didn't earn any commission, interest, or profit from this arrangement. The repayments were made directly from my friend's bank account to my credit card account.