u/retired_avenger

slice card got rejected 2 times even with salary account😖

I have zero credit history🥲 and need to build a solid CIBIL score from scratch, fast. After analyzing my monthly expenses (attached in the image), I’ve mapped out a 3-way combination strategy to maximize rewards while keeping my utilization low.

Here is my monthly spend breakdown for context:

• Online (Amazon, Ajio, Flipkart): ₹8,000 - ₹12,000 (not every month but sale season mostly so for next 6 months atleast)
• Groceries (Blinkit, JioMart, Supermarkets): ₹3,600 - ₹4,000
• Fuel (Petrol): ₹2,500
• Utilities (Electricity, LPG, airtel Postpaid): ₹3,500

my Plan:

1. IDFC FIRST Hello Cashback Card (Secured - ₹30k Split FD): Used exclusively for Online Shopping (3% to 5% cashback) and KSEB/Utilities (1% cashback). Planning to do a 20k + 20k split FD so I can unlock half the liquidity after a year if i get good cards aftere 6 months and might close this card after 1 year due to 1000rs annual fee)
2. Kotak811 super.money RuPay Credit Card (Secured - ₹5k FD): Kept as my lifetime-free first (LTF) anchor card to establish credit history age. Used strictly for small UPI spends, just to create score.
3. Kotak 811 Super Savings Account (free visa Debit Card): with this super 811 savings with ₹399 annual fee i will get the 5% cashback on Fuel and Offline Supermarket swipes. Moving ₹10k in and out monthly to satisfy the requirement.

❓ My Questions for the Experts:

• Will running two secured cards simultaneously build my CIBIL score faster than just sticking to one?
• which is better to build good score 10- 20% usage or below 30 % ??
• Am I missing any major loopholes or rewards exclusions with this specific setup?

This Seems Funny For Android Users 😂

But for iphone Users who fed up with apple native keyboard
A number row on top of the alphabets rather than switching between number and letters is a :)

Try this method

Go to settings > keyboard > add new keyboar and search
Vietnamese > add a new keyboard > choose VNI at the bottom

Enjoy Number Raw officially on your ios native keyboard🙂

1. do we realy need cibil score or proper salry slip income proof for approval

2. if slice upi Give FD based credit cards?

3. does creating a saving account on slice and adding some money in the account , then applying for the Card help in anyway??

planning to buy this combo for my iPhone 17:

Just wanted to hear from people who are actually using this combination.

A few questions :

• Does this case lift the edges of the tempered glass after installation?
• Is the screen protector truly case-friendly?
• Does it cover the entire display, or is there a noticeable bezel/gap around the edges?

Also does this case in real life make the ip 17 looks / feel like IPHONE 11 backside😁😅😅? i saw a user commented this on a reddit post

Would really appreciate photos too if anyone is using this exact combo. Thanks!

Hi ESR team,

I'm planning to buy the ESR MagSafe Frosted Black Case and the ESR Classic Tempered Glass for my iPhone 17.

Can you confirm if these two products are designed to work together without the case lifting the screen protector edges?

Also, does the tempered glass provide edge-to-edge coverage, or Does small bezel cover the display area?

If anyone from the community is using this exact combination, I'd love to hear your experience. Thanks!

I don’t have any credit history or CIBIL score yet.

Last month I applied for the SBI SimplyCLICK card, but it got rejected. I’m working on a contract basis (not a permanent employee), so I’m guessing that could be one of the reasons. They also asked me to wait for the cool-off period before applying again.
Instead of waiting without building any credit history, I’m thinking about getting an FD-backed Lifetime Free credit card. I came across the Kotak 811 FD-backed card, but I’m not sure if it’s actually a good choice.
Most of my spending is on Amazon, Flipkart, Myntra, JioMart, UPI payments, groceries, fuel and utility bills, so decent cashback or rewards would definitely be a plus.

Just wanted to get some real opinions from people who are already using these cards.
Is the Kotak 811 FD-backed card worth getting?
If you’re using it, what are the pros and cons?
Will it actually help me build a CIBIL score and improve my chances of getting SBI SimplyCLICK or other unsecured cards later?
Are there any better Lifetime Free FD-backed credit cards that you’d recommend instead?
Or should I simply wait for the SBI cool-off period to end and apply again?

Would really appreciate your suggestions. Thanks! 🙌

In flipkart its mentioned the credit card cashback will be crdited to your bank account after thr return period is over.

I ordered it on 5th july , delivered on July 12 th
And return period was 7 days

So after that we should get the cashback no??

Or it will be credited in next cc billing cycle??

Bcs the preview image on screen we see before clicking yhe shutter button seem ok , but after taking selfies and when we open it in photos app its feels like a over darkened, grainy , heavy HDR professed photo.

Any other better free camera app for iphone
Or any better settings in the stock camera app

NB: i tried all the photography styles ( still the same , no big change )

Also turned off the view all photos HDR in settings

I have a new iPhone 17 and a POCO F1 with:
Personal WhatsApp (primary number)
WhatsApp Business (secondary number)

I know Move to iOS only transfers my personal WhatsApp during iPhone setup.

How did you move your WhatsApp Business chats (with all media, documents, voice notes, etc.) to iPhone without using paid tools like MobileTrans, iCareFone, AnyTrans, etc.?

Is there any official workaround, free method, or trick that lets me migrate both accounts without losing chat history?

just bought a new iPhone 17 (base model). It came with iOS 26.5.1 out of the box, and I haven't transferred my data or installed any apps yet.

I have the iOS 26.5.2 update available (~742 MB).

For someone starting with a completely fresh iPhone:

Would you update to iOS 26.5.2 immediately?

Or would you stay on 26.5.1 and wait for the stable iOS 27 release in September?

^(I'm mainly concerned about:)

^(Battery life)

^(Heating)

^(Overall stability)

^(Any performance differences on the base iPhone 17)

I'd especially appreciate feedback from people who are using an iPhone 17 and have already updated to iOS 26.5.2.

Thanks!

ordered on 4th jul morning
seller : truecomretail
got it for 71k after (4k axis bank cashback)