I have a large amount due for a medical bill coming up and I would like to space it out over 12 months. I am hoping for either a decent SUB and travel card (though not necessary) I have Atmos, Amex Delta Blue, Costco and BILT. Thank you for any help here!
Hi, I currently own 3 credit cards. I want to know if I'm using them optimally or am I missing out on some of the benefits-
Everything else (rent, society maintenance via ANACITY, water bill via ANACITY, local shops without card machines) goes through UPI.
What are you opinions on this split?
Hi everyone,
I applied for the SBI SimplyCLICK Credit Card today and wanted to know what my approval chances are.
My credit profile:
CIBIL history: 7–8 months
CIBIL score: 773
Amazon Pay Later: ₹10,000 (7 months)
SBM FD-backed Credit Card: ₹1,800 limit (5 months)
Slice Credit Card: ₹65,000 limit (4 months)
RBL Bank Credit Card: ₹45,000 limit (1 month)
I have around 9 hard inquiries in the last 6 months, which is what worries me the most.
I have paid all my payment on time with no late payments.
Do you think SBI will approve my application, or are the recent inquiries likely to cause a rejection? Has anyone with a similar profile been approved?
Thanks in advance!
As mentioned please let me know the best Ltf Cards I can get which gives 3,4 domestic lounge access as well as offers on food, shopping,movies. I am planning to start my credit card journey. credit score is 850. Income is around 45k pm.
Hi CC geeks,
Need some advice for a friend’s credit card and banking setup.
Current banking relationship:
Kotak Mahindra Bank – Current Account
IDFC FIRST Bank – Savings Account
He’s now planning to open a second current account with HDFC Bank, and the bank is offering the Biz Power credit card.
A couple of questions:
Would it be better to first get an HDFC core card (e.g., Regalia Gold) and then apply for HDFC business cards later? Is there any long-term advantage to doing it in this order?
Does Kotak have any debit or credit cards that are particularly rewarding for business-related spends such as:
- Utility/bill payments
- Insurance premiums
- Tax/GST payments
Would love to hear your experiences and recommendations.
Thanks in advance!
Anyone else feel rewards on most UPI apps have become meh? I switched to Amazon Pay UPI recently, and the rewards have genuinely felt more useful because I actually end up using them while shopping on Amazon.
Didn't think changing a UPI app would make any difference, but here we are. Curious if anyone else has changed their default UPI app recently, and why?
My one year of owning this card is almost complete and I’m considering closing it. I use to fly American primarily but now I just go with whatever airline fits my budget. Because of this I’m not longer enticed by the first checked bag being free and boarding in group 5. I love that I don’t have to pay foreign transaction fees when using my card internationally and that’s pretty much the biggest benefit for me since I no longer fly American primarily. What are your opinions on the card? Is it worth the $99 annual fee to you? How do you use yours to maximize the benefits and if you were to suggest an alternative to this card what would it be? Thanks in advance!
No more option to pay cc via vi app using kotak 811 card. Is their any other way to utilize kotak 811 card ?
I have all these debit cards as well as credit cards. All these are LTF Credit cards. All the debit cards are also free except the kotak 811 super (499 annually) which is also recoverable via cashback.
I am 31 M, working as a government employee (net salary around 35k, cibil 791) in New Delhi mainly dealing with daily upi transactions (merchants) as well as groceries via 10 mins delivery apps (occasionally flipkart, myntra and amazon).
As all these are LTF, I don't want to close all these cards.
Finally looking for LTF cards from Kotak Mahindra Bank, SBI (as I have my salary account with them for nearly 4 years still impossible) CSB Edge+, uni goldx (all these are left as rejected recently).
Awaiting all your valuable suggestions, Thanks in advance.
Hi! I’m traveling to Paris in about two weeks and I’m planning to make a purchase worth over ₱50,000. My only payment options are my GoTyme and GCash Visa cards. Has anyone here used either of these for a large purchase abroad? How was your experience? Did you encounter any issues with the transaction going through?
Hi everyone,
I'm looking for alternative ways to earn 5% cashback on gift card purchases using the SBI Cashback Credit Card in except amazon.
Previously, I used the cred app, but gift card purchases there no longer earn cashback. I also tried CRED and magic pin a few other apps, but they don't seem to provide cashback on gift card purchases anymore.
Does anyone know of any apps, websites, or methods that still offer the 5% SBI Cashback on gift card purchases?
If you've recently tried a working method, please share it here. It would be really helpful for everyone.
Thanks in advance!
This is my second attempt at getting my HDFC Regalia Gold upgraded to DCB Metal.
The first time, HDFC requested income documents for evaluation, but I chose not to pursue the income-based route. Instead, I wanted my request to be considered based on my overall relationship with the bank and my card usage.
My profile:
5+ year relationship with HDFC
Preferred Banking
Regalia Gold + Tata Neu Infinity + HDFC Swiggy
1 Preferred Account & 2 Current Accounts
Credit limit: ₹4.85L
Over ₹22L card spends in the last 6 months
Excellent repayment history with no missed payments
I raised a fresh upgrade request and even escalated it to the Grievance Redressal Cell. They acknowledged my request and promised a response by 23 June, but that deadline passed without any update. I then escalated the matter to the Principal Nodal Officer, and it's been complete silence ever since.
At this point, I'm not even sure whether my profile is actually being reviewed or if my emails are simply being ignored.
Has anyone experienced something similar with HDFC? Do they actually consider upgrades based on spending despite a credit limit below ₹5L, or am I just wasting my time chasing this? Any advice or similar experiences would be greatly appreciated.
Curious lang ako.
Ano thoughts niyo sa mga nagpapaswipe ng credit card and BNPL bilang business? Ang dami ko na kasing nakikitang ganito sa newsfeed ko lately, kaya medyo nae-engganyo rin akong subukan. May 3 credit cards ako at malaki rin offer sa mga paylater app, pero natatakot din akong mag-take ng risk.
May mga nandito ba na ganito ang sideline o business? Kumikita ba talaga? O mas marami kayong bad experiences, like mga tumatakbo o hindi nagbabayad?
Hindi pa naman ako decided. Curious lang talaga ako at gusto ko lang marinig yung honest experiences at opinions niyo bago ko isipin kung worth it ba siyang pasukin.
I hate this credit card. I was offered a free upgrade and no annual fee for first year and thought I’d give it a try, but I never quite seemed to get much out of it PC points wise. I knew the renewal was up in January of this year, and checked my statement and there was $120 fee, plus a reversal of $120 same day, so figured there’s no harm in keeping it if it is still a free card. In June I’m looking through my last two statements, and there is an annual fee correction of $120 on April 28. I called to cancel/downgrade and they tell me it’s not possible! that I waited too long to call so I am not able to cancel or get back even a portion of it!
If someone does not want the card, why force them into it? Why credit me the annual fee just to charge it again 4 months later? Why not send an email text or letter giving the client the heads up that Annual free is changing. I hate how sneaky these banks are. I am not sure if or how i can escalate this. Their customer service rep gave me the option to downgrade, but said they wouldn’t do anything about the annual fee.
I recently got the IDFC FIRST Mayura card.
Till around October, I'll naturally cross the ₹20k monthly eligible spend because of my flight and hotel bookings. That means I'll be earning 25 RP/₹150 on flights and 40 RP/₹150 on hotels via the IDFC Travel portal, along with the welcome benefits and movie offers.
After October, if I get an upgrade offer to FIRST Private, I'll happily continue.
If not, and I have to force ₹20k eligible spends every month just to maximize rewards, I'll probably close the card. I prefer cards that fit my spending rather than changing my spending to fit the card.
Would you keep Mayura long-term without an upgrade path, or would you do the same?
Cibil - 762
36+
Cc- axis neo, airtel. Roarbank, idfc millennia.
Requirement - lounge access
I want to know if it's worthwhile taking the Bob eterna for lounge access after the recent devaluation?
Hi, I’m a SDE fresher earning 70k per month i have HSBC salary account and got my first CC from them with limit 75k, my credit utilisation is around 90% effecting my CIBIL, i’m a heavy spender, like i mostly use CC for general spendings like shopping, cafes, pubs etc and i also use this CC for product emi’s which clearly not enough for me, HELP me should i take a second CC if so which one? Or am i using my CC wrong? Suggestions please as i am new to this all
Current cibil : 760
My family pays about 50k each month in fuel for our cars and we wanted a way to optimize that by cards to get either reward points or cashback. We fill it from a Bharat petroleum petrol pump nearby our house. Have recently started exploring cards and would love to get any advice. I have the Swiggy card for the other purposes and no other expenses as such which can be done by card. So please if you could recommend for fuel it would be great.
I just started my first job and I am thinking of getting a credit card. But my family or I have always been sceptical about it. We have believed in spending our own money. But recently, seeing everyone around me get a card I feel like I might be leaving money in the table. Can someone tell me if there are real benefits of buying a credit card? I am not going to spend more than what I earn anyway. And if so, which one should I get?
Also, since I just received my first salary I want to buy an iphone for my mom, so it would help if I could get some kind of discount from that card or reward points etc.