▲ 2 r/hdfcbank+1 crossposts

Can I do this with my HDFC Swiggy CC?

I have a ₹48k limit HDFC Swiggy CC and ₹23k outstanding in 4 EMIs. Currently ₹25k limit is available.

If I pay ₹10k → ₹35k available, buy a ₹35k phone, then pay another ₹10k, will this cause any issue?

Will the ₹10k payment affect/prepay my existing EMIs, or will they continue normally?

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u/cooldudeabhi69 — 8 days ago

HDFC Swiggy LTF card – limit enhancement

I have an HDFC Swiggy credit card with a ₹40k limit, and HDFC is offering a free enhancement to ₹48k.

My card is LTF, but the T&C mentions annual/renewal fees and spending-based fee waivers.

Has anyone with an LTF HDFC card accepted a similar limit enhancement? Does the card remain LTF, or can this affect the annual fee waiver?

Should I accept it?

u/cooldudeabhi69 — 2 months ago
▲ 2 r/Jio

Jio network completely down in my village since afternoon — calls and internet not working

Is anyone else facing a Jio network outage today?

Since this afternoon, Jio has been showing network/5G signal on my phone, but mobile data isn't working and I can't make or receive calls.

The strange part is that everyone in my village using Jio is facing the same issue. When someone tries to call a Jio number here, they hear “the number you are calling is switched off.”

I also noticed that the VoLTE indicator has disappeared from my phone, even though it still shows Jio 5G and signal bars.

Airtel is working normally in the same area.

Is there some Jio outage or tower/network issue happening today? Anyone else experiencing this?

u/cooldudeabhi69 — 2 months ago

25M - Hair thinning, itchy scalp, and losing 100+ hairs/day. How much i have to worry ?

Hey everyone,

I'm 25M and recently I've noticed I'm losing over 100 hairs a day. My hair is thinning mainly at the front, and my scalp has been itchy all over. I don't have dandruff or visible flakes.

I've been applying a mix of castor oil + coconut oil, but I haven't noticed any improvement.

I don't have a family history of male pattern baldness, and I haven't had any illness or major weight loss recently (I've actually gained weight).

I've attached a photo of my scalp. Does this look like early male pattern baldness, or could the itching point to something else?

Any opinions would be appreciated. Thanks!

u/cooldudeabhi69 — 3 months ago

Unknown deposit of ₹8 Lakhs in father's account. Need legal/banking advice to protect the account from freezing.

Hi everyone,

An unexpected ₹8,00,000 was credited to my father’s bank account today. We have absolutely no idea who sent it or why.

We haven’t touched a single rupee, and we know not to manually "refund" it to anyone who calls (to avoid money laundering/cyber fraud traps).

We are visiting the bank tomorrow to submit a formal letter to the Branch Manager reporting the unknown credit and getting a stamped acknowledgment copy for our records.

My questions:

  1. What specific terms or RBI guidelines should I include in the letter to ensure the bank acts on it properly?
  2. If this money sits there unclaimed, how do we protect my father from Income Tax notices during tax season?
  3. Are there any other steps we should take right now to legally protect him from potential fraud allegations?

Any advice from lawyers, CAs, or bankers would be greatly appreciated. Thanks!

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u/cooldudeabhi69 — 4 months ago