Upcoming major expenses - which card should I put them on?

[kaykayporty]

Everywhere you can do

I didn't know this. No worries, I'll keep this mind.

 

[cardio_guycardio_guy is verified member.]

Everywhere you can do

Please can you tell me how to check MCC before payment? Would be helpful.

 

[S9100]

Please can you tell me how to check MCC before payment? Would be helpful.

Disable transaction on card setting. Then try payment. When it fails, just call customer care to know mcc of failed. Works in hdfc and axis cc..

 

[S9100]

I didn't know this. No worries, I'll keep this mind.

Check comment above for how to check mcc without payment

 

[kaykayporty]

Disable transaction on card setting. Then try payment. When it fails, just call customer care to know mcc of failed. Works in hdfc and axis cc..

gotcha, thanks, will keep this mind.

 

[Honeydew]

Disable transaction on card setting. Then try payment. When it fails, just call customer care to know mcc of failed. Works in hdfc and axis cc..

Recently I asked my hdfc RM to check mcc for a transaction (completed couple of hours back) however, she said she can check mcc only on settlement of the transaction.

 

[6ix9ine]

Recently I asked my hdfc RM to check mcc for a transaction (completed couple of hours back) however, she said she can check mcc only on settlement of the transaction.

RM can't check instant credit card transactions, as they don't show up on their screen. Customer care is the best and quickest way to know mcc. You can either call or email, whichever you prefer.

 

[S9100]

Recently I asked my hdfc RM to check mcc for a transaction (completed couple of hours back) however, she said she can check mcc only on settlement of the transaction.

What did I say and what are you saying?

 

[Honeydew]

RM can't check instant credit card transactions, as they don't show up on their screen. Customer care is the best and quickest way to know mcc. You can either call or email, whichever you prefer.

Ohh got it. I was not aware that RM can't see but customer care can see mcc of unsettled transactions.

 

[kaykayporty]

Yeah, Reliance Digital may have some issue. Check and then make payments.

If you're still 70K short from hitting the 4L milestone what you can rather do is, buy Reliance Digital vouchers from Amex Gyftr which will give you 3x points and then make the payments and whatever left can be done through Axis Atlas. If you have doubt over MCC for Atlas, then may consider buying Reliance Digital Gift Cards from Tata Neu App through Axis Atlas Card for the rest amount and then make the payments.

@thewittypanda @S9100 I just checked with AMEX. They said the Merchant category for Reliance Digital (store) that I made the payment to was General Purchases and the sub-category was Department Stores

I have to get a replacement, and this merchant category should not cause an issue, right? I'll be cancelling the transaction done on AMEX as I have to buy some other brand of fridge and washing machine so I'm thinking I'll put them on Atlas. Do I need to the transaction disabling thing now that you had mentioned?

 

[S9100]

@thewittypanda @S9100 I just checked with AMEX. They said the Merchant category for Reliance Digital (store) that I made the payment to was General Purchases and the sub-category was Department Stores

I have to get a replacement, and this merchant category should not cause an issue, right? I'll be cancelling the transaction done on AMEX as I have to buy some other brand of fridge and washing machine so I'm thinking I'll put them on Atlas. Do I need to the transaction disabling thing now that you had mentioned?

You will get base points on both Amex and Altas on that merchant. So, you can do either.

Atlas will not give accelerated points.

 

[kaykayporty]

You will get base points on both Amex and Altas on that merchant. So, you can do either.

Atlas will not give accelerated points.

Yes yes, the context is reliance digital was using the jewelry MCC some time back and Atlas users weren't even getting base points.

 

[S9100]

Yes yes, the context is reliance digital was using the jewelry MCC some time back and Atlas users weren't even getting base points.

Ok got it.

 

[kaykayporty]

Ok got it.

Reliance still trying to save a quick buck idk why.

 

[S9100]

Reliance still trying to save a quick buck idk why.

I think they were using old machines/merchant names or employees just copied the old format while creating new pos machines. Don't know how much savings with this mcc

 

[kaykayporty]

I think they were using old machines/merchant names or employees just copied the old format while creating new pos machines. Don't know how much savings with this mcc

Now they're classified under department store and not electronic sales.