I made a payment of ₹1,30,000 using my ICICI Amazon Pay Credit Card on 8th October and cancelled the order on the same day. The seller initiated the refund today, but according to the bank representative, it may take another 3–4 days to reflect in my account.
My statement is scheduled to be generated on the 12th of every month. If the refund is credited after the statement is generated, will I have to pay the entire ₹1,30,000 bill first? Will the refund then be adjusted against my outstanding balance as a negative amount in the next billing cycle?
To avoid this situation, I changed my statement date from the 12th to the 20th this morning. However, I have been told that the new statement date will take effect only from the next billing cycle.
Is there any way to get the refund adjusted before my statement is generated, so I don’t have to pay the full amount and then wait for the refund to be adjusted later?
Has anyone faced a similar situation with an ICICI Amazon Pay Credit Card? Any suggestions would be appreciated.

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Hi everyone,

I hold credit cards with Axis Bank and HSBC. Today, I received emails and SMS messages from both banks asking me to update my CKYC details to ensure uninterrupted services, as the information provided during VKYC does not match the details available in the CKYC registry.

The issue is that my CKYC was last updated by Indian Bank around 5 years ago, and the information available there is outdated.

Around 11–12 days ago, I visited my Indian Bank branch, where I submitted the updated documents and requested CKYC updation. The bank accepted the documents and informed me that the updated details would reflect within 5–6 days. However, it has been more than 10 days, and my old CKYC details are still showing.

Now, both Axis and HSBC are sending me reminders for CKYC updation.

My questions are:

1. How long does Indian Bank usually take to update CKYC details in the central registry?

2. Should I wait a few more days or raise a complaint with Indian Bank?

3. Can Axis Bank and HSBC restrict or deactivate my credit cards if the mismatch is not resolved soon?

4. Is there any way to check the status of my CKYC update online?

Has anyone faced a similar issue with Indian Bank or another bank? Please share your experience and suggestions.

Thanks in advance!

As I dont posses any ICICI credit card sonwas thinking of getting one for sales and discount offers. And getting one but is there any other way to get sapphiro beccause on overall benefits rubyx I will say its pretty shitty card.

Its just my opinion you can share yours freely. Open for all suggestions.

Thanks in advance.

heya so i have been using CC for 50 days now, cibil and experian scores were generated in very less time but crif and equifax scores have no data, are they equally important? and yes for what cards/category?

Hey Guys,

Looking for an honest portfolio review, recommendations on optimizing high monthly fuel expenses, and serious advice on how to recover my CIBIL score after an extreme application spree.

The CIBIL Situation (High Credit Hunger)

My credit profile is currently flagged for severe credit hunger due to heavy application velocity:

* 123 Total Hard Inquiries in 2026: Accumulated across card and loan applications this calendar year.

* 36+ Hard Inquiries in the Last 2–3 Months: Triggered multiple automated card rejections.

* 14 Recent Loan-Related Pulls: Adding significant inquiry pressure to the profile.

* Recent Approvals: Despite the rejections, managed to get Slice (opened 2 months ago), Axis Privilege (opened 1 month ago; LTF), and Kiwi (opened this month, October).

Current Portfolio Breakdown

1. Fuel Spends (\~₹18,000 Monthly Burn)

Axis IndianOil: ₹5,000/month cap* utilized to max out the 4% reward tier (20 EDGE points per ₹100).

ICICI HPCL: ₹5,000/month cap* utilized to max out the 4% cashback (hard monthly cap of ₹200).

* The Problem Area: Splitting ₹10,000 across these two cards drains their max rewards, but leaves ₹8,000 in monthly fuel spend earning 0% return.

2. UPI & Quick Commerce

* HDFC Pixel Play: Dedicated exclusively to Blinkit orders for 5% cashback.

* Kiwi (RuPay): Opened this month (October); active for 1.5% cashback on UPI.

* Slice (LTF): Opened 2 months ago; gives 1% cashback on UPI.

3. Core, Utilities & Online Shopping

Axis Flipkart: Oldest active line of credit*. Paid annual fee, but heavy Flipkart usage recovers the cost.

* ICICI Amazon Pay (Original): LTF. Used exclusively for utility bills for flat 2% cashback.

* ICICI Amazon Pay (Duplicate): An identical, active duplicate card currently sitting on my report.

* ICICI Coral: LTF. Retained purely as a zero-cost core banking card.

4. The Accidental Card

* Axis Privilege (LTF): Activated 1 month ago by mistake. It is Lifetime Free, but sitting completely idle.

Key Questions for the Community

1. CIBIL Freeze Duration: With 123 total inquiries in 2026 and 36+ in the last 90 days, is a strict 6 to 12-month complete cooling-off period sufficient for score recovery and automated underwriter approval resets?

2. Optimizing the Remaining ₹8,000 Fuel Spend: What is the most viable strategy for the remaining unrewarded ₹8,000 monthly fuel spend once my inquiry profile clears (e.g., high-cap cards like SBI BPCL Octane, or purchasing fuel vouchers via Park+)?

3. Axis Privilege (LTF) Strategy: Since it is Lifetime Free, should I keep it idle to preserve overall credit limit and lower total utilization, or close it immediately to reduce active account clutter?

4. Duplicate ICICI Amazon Pay Resolution: What is the safest procedure to get ICICI customer service to cancel the duplicate card without risking accidental cancellation of the primary, active card?

5. Consolidating UPI Spends: With Kiwi yielding 1.5% on UPI and Slice giving 1%, is there any structural reason to keep transacting on Slice, or should all UPI traffic run solely through Kiwi?

I am 23M and about to start my first job and will be joining Deloitte next month and they said to open a salary account.

Salary will be approx 45k

Please suggest a good salary account which has good services and credit card and will be beneficial for me for next 5 years

Option I have

* HSBC Bank

* ICICI Bank

* SBI Bank

* Axis Bank

* HDFC Bank

* YES Bank

* Kotak Bank

* IndusInd Bank

* IDBI Bank

* Standard Chartered Bank

* Bank of Baroda

* IDFC Bank

A friend of mine has an IDFC FIRST WOW credit card (against an FD) and a secondary RuPay credit card that’s used on UPI. Both share the same limit. He has no IDFC savings account, and no other bank account is linked in the IDFC app. Only the RuPay credit card is linked for UPI.

In the IDFC app, under Pay > UPI, it shows his QR code and UPI ID with his name, along with options for “Send money” and “Receive money.”

My question: if someone scans that QR (or pays to that UPI ID), what actually happens to the money?

Will it reduce his credit card outstanding balance? Will the payment just fail or get reversed to the sender? Or could it go somewhere else?

From what I understand, RuPay credit cards on UPI are meant only for paying merchants, and incoming P2P transfers need a real bank account to credit. But the app clearly shows a “receive money” option, so I’m confused about how it’s configured.

Has anyone tried this, or does anyone know how IDFC handles it? Did the payment fail, reverse after a few days, or show up as a credit on the card?

Thanks in advance!

A few weeks ago, someone came to me with a simple question: Am I using my credit cards properly?

He had 4 cards and was keeping track of reward points, milestone spends, cashback offers and limited-time promotions. On paper, it looked like he was doing everything right.

Then we looked at his monthly spending.

He was ordering things earlier than needed because there was a card offer, paying certain bills through a card even when there was a processing fee, and occasionally spending more than planned just to cross a monthly milestone.

When we added everything together, he was not really saving as much as he thought.

The interesting part was that none of his individual decisions looked particularly bad. A ₹500 offer here, a few hundred rupees of cashback there. But collectively, the cards were starting to influence how he spent, instead of simply being a way to pay for things he already needed.

I suggested he stop chasing every reward for a month and use the cards only for planned expenses.

After that, he actually found it much easier to see which cards were genuinely useful and which ones were just creating noise.

It made me think that credit-card optimization can sometimes become the opposite of saving money.

Curious what others think, have you ever bought something, paid a fee, or changed your spending just because a credit-card reward or milestone was involved?

I was being offered rubyx dual paid on app then I got call offering the same but fyf , I I rejected. Last week I got a call regarding sapphiro fyf , I told yes. Ik my spending can't waive off the fee but I thought to use it for 1 year & if possible, I'll convert it into ltf showing my alumni eligibilty.

But now couldn't even find any suitable use of the card for me. The least I found is that Swiggy weekend offer on its amex variant but I received visa & rupay today so it's basically useless to me . However as I've already received it I'm thinking to use the visa variant for availing 500rs voucher by poshvine offer & maybe the times prime membership. Idk after that what I'll do with this card😂

One thing I noticed for 1st time, the bill is also shared. I had apay & coral cards with shared credit limit but separate bills. Here I'm seeing even the bill is also shared across coral & sapphiro.

How to confirm the fyf offer? I didn't receive the email or the physical card kit , just received a sms & the cards are reflected on app but I couldn't find any place to check the joining/renewal fee.

& Finally Any tactic to use it ?😂

Hello folks!
Recently, I’ve been seeing quite a few posts from people asking for Flipkart credit cards to purchase products at discounted prices.
I’m willing to help one or two people purchase their products using my Flipkart credit card.
The main reason I’m doing this is that I’m hoping to get my credit limit increased. I believe building a strong transaction history might improve my chances of getting a credit limit increase.
Since I’m a student with no regular income, I feel this is one of the few ways I can improve my chances of getting a higher credit limit.

I’m holding regalia gold LTF (1.5 YR old) , with 3L limit. Spends in last 6 months 1.7L ( were high previously, then got atlas, so moved my spends), net monthly salary 2.4L

How should i go ahead?

1. First mail them to increase credit limit then ask for an upgrade
2. Directly mail them for an upgrade? Let’s assume they reject it, will point no 1 get approval?

Also pls dont suggest talking to RM, she is there just to complete her targets and cross sell products

Also, I’m an imperia customer and salary doesn’t credit to HDFC. I have good relationship with hdfc, savings account, personal loan, medical insurance.

In a couple of days I will be buying an apple product worth 3 lakh. I have students discount. Any other trick to get more discounts like cards, etc.

Since it is little customization (mac mini m5 pro 64 gb ram) it won't be available at other apple retailers like iplanet I guess.

Any trick to save additional money using card, or other trick. I am staying in Mumbai.

Recently got the IDFC FIRST Millennia credit card.

I need to spend ₹5,000 within 30 days to get the ₹500 welcome voucher.

Does buying a ₹5,000 Amazon Pay gift card directly from Amazon using the Millennia card count towards this ₹5,000 spend?

Has anyone tried this and received the welcome benefit?