u/Positive-Appeal-3058

Hello Guys plz help!
I have an HDFC account which I have not maintained the AMB balance for last 12 months.
My amazon pay later account is linked with this HDFC account back then at 2024 when I purchased a Phone through Amazon pay later and it asked to link account from where the autodebit function will work.
Now as my account balance was not maintained for 12 months , There was a -912 rs in my account balance as shown in my HDFC account which includes annual debit card fees but I used to get messages from HDFC for every months stating that 354 rs has been debited from your account due to non maintaining in AMB but account balance remained -912 rs
So I mailed HDFC customer care team and the reply was, we can not reverse the charges as the charges were not maintained (u can see the ss in 2nd image) so I asked them about RBI negative balance rule but they ended the mail thread.
Now 3 weeks ago , I returned an echo pop which was under warranty and purchased through amazonPay later was refunded to that HDFC account and they charged the negative 912 rs balance without asking me.
So I thought , 912 rs charges are bareable and after 2 weeks not a single penny was deducted from the account.
So I asked GEmini PRO that will they deduct the past accoumulated penalty charges for not maintaining AMB? Gemini said that as already 2 weeks passed and they will not charge you the penalty.
Today, I got this mails. My 354*12=4248 rs gone as penal charges. PLz redditors suggest me what to do?

Are you guys getting Fast lane airtel postpaid in Nothing Phones?

I have seen in iPhones that The Airtel Priority front comes just how Jio True 5g comes on display

But for airtel, When I restart the phone , airtel fast lane comes for 2 seconds and vanishes.

I doubt that I am getting the priority postpaid feature or not

I also ran diagnostics in airtel thanks app where this was all green tick but I have not seen any change after the Priority postpaid tech launch

I have travelled a lot

Have you guys saw the airtel Priority postpaid front on your lock screen display?

Goated app

I used this app for our neighbourhood garbage cleaning and the municipality cleaned it within 18 hours of complaining.

I previously used the central govt swacchata app which took almost 7 days to clean but this only took 18 hours

You can see the image

[H] Lakme saloon gift card 1500 rs [W] 800rs

This is the Visa Poshvine offer getting via HDFC Moneyback plus Visa platinum cc

Why only Zomato voucher as I need Amazon Pay voucher?
Will they restock soon?
and What is the Time window to claim these vouchers?

I mistakenly ordered the Box amulya but it is not as convenient as the pouch so I thought lets replace if possible so I just wrote that I ordered pouch but got box so replace it but know what???

Zepto refunded me the whole money that is the amulya milk powder price after discount

I really can not believe my eyes as I never got any refund from zepto when I got really torn packet of kurkure or a spoiled veggie but this time! OMG!
appreciated zepto

This gift card is a offline store only gift card and can be availed for buying gold and diamond jewelleries and can not be availed if you buy gold or silver coins
No minimum order value as it is a gift card

I am super confused which to select
Hey community , plz help me.

1)My primary goal is getting the sale offers on hdfc cards flat 10% off

2. I saw somewhere that as Pixel play is fifa cobranded so its a cobranded cards and not eligible for that sale offers and has a shitty Customer care

3)And can not pay bills through Cred for pixel play fifa cc

4)Should I go with Moneyback and why no Rupay version is showing for both the cards?

Its airtel 4g and I am getting 100+ mbps
Can your Vi match it on 4g?
In our area Vi 4g comes for 10-12 mbps max but 5g does not come

Hi everyone,

I was recently reviewing my father’s credit report and noticed something bizarre. For an unsecured loan from PNB that was successfully closed in January 2025, there is a remark showing a "382 days late repayment" in October 2024. Since this was a standard monthly EMI, I'm confused about how a 382-day delay is even mathematically possible on an active loan.

Here is a breakdown of his current credit scores:

• CIBIL: 688
• Experian: 715
• Equifax: 784
• CRIF: 704

My Questions:

1. Why is there such a massive difference between the scores across these four bureaus?
2. Should I raise a dispute regarding the 382-day late remark? If it gets corrected, will it significantly boost his score?

Some Background Context: He currently has another active loan with PNB. For about 8 months, he was unknowingly paying the EMI 22 days late every month. His pension credits on the 1st of the month, but the EMI auto-debit was set for the 10th. He would transfer his pension to a secondary account right away, leaving the pension account with an almost zero balance. When the EMI triggered on the 10th, it bounced and created a negative balance, which was only cleared when the next month's pension arrived and was auto-debited.

I eventually realized what was happening, broke the cycle, and manually repaid the loan via UPI. Surprisingly, his CIBIL score jumped from 588 to 708 in just one month!

Riding that momentum, I applied for a PNB credit card on his behalf. It was approved, but the new account/inquiry dropped his CIBIL by 20 points. For the last 5 months, I've been paying the credit card bills perfectly on time, but his score has been completely stagnant, only increasing by about 1 point per month.

Any insights on the score discrepancies and how to handle the 382-day late remark would be highly appreciated!

As per the subject, Sbi mailed it three times about that offer but I don't know how to use this offer?

I use Indian oil visa debit card Sbi