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Riya

Riya

TF Legend From Delhi
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  • Riya
    Will checking eligibility from the app cause a hard enquiry in cibil???

    Screenshot_20241122-004419.webp
    View previous comments…
    BrokenBoot
    BrokenBoot
    @Riya Score Wouldn't be affected
    G
    gamersgzb
    Swiggy has a better implementation where they tell you whether card is LTF or not without any cibil inquiry
    vine
    vine
    Yes. Hard CIBIL hit.
    Mostly every time you enter PAN in any app/website to check eligibility , it will do a hard CIBIL hit.
    Riya
    How much time does HSBC take to process card applications?
    I completed my vkyc on 21st oct and still no response from them..
    Riya
    howw to pay Jupiter card's bill.....
    UPI is not activating and can't find any other option.....
    it's so irritating trying again and again for UPI activation....
    pinki
    pinki
    Contact cs, they will send a dedicated link to pay ur cc 💸 bill
    Riya
    Riya
    hmm... you too have Jupiter CS edge card?
    pinki
    pinki
    have Federal edge visa
    • Like
    Reactions: Riya
    Riya
    Amazon Prime vouchers Giveaways
    PVS7BJTEZHUZN
    • Like
    Reactions: RajdeepMaity
    View previous comments…
    P
    prash1161
    Huh bhola pan dekho didi ka
    Riya
    Riya
    Bholapan nahi... It's just I'm unable to add anymore vouchers.. getting message that max number of vouchers added whereas I have only 450 balance in prime
    SpidySpider
    SpidySpider
    If you would have added prime voucher from same app(Swiggy/Paytm/TimePrime) previously, then it would show max limit reached for this voucher.
    • Sad
    Reactions: Riya
    Riya
    Just noticed no amazon vouchers available on Amex reward multiplier...

    Screenshot 2024-09-15 224126.webp
    Riya
    Screenshot_20240909-214656.webp

    What a great move by Nirmala taai... Reducing GST on namkeen from 18 to 12...
    Isiliye to FM banaya tha inhe 🤣🤣
    Riya
    Today I was paying for my Broadband bill recharge....
    I wanted to use my AMEX card for 20k bonus points but very few platforms were supporting Amex...
    When I tried to pay through Paytm, it supported Amex but was charging Rs. 150/- convenience fee 😳
    that's egregious, preposterous and outrageous 😡

    no wonder Paytm's share are in deep red
    • Haha
    • Hehe
    Reactions: Strange, VISHESH_BANSAL, Swastik and 3 others
    View previous comments…
    I
    iampqq
    Kal ko bologi muje free mai wifi provide nahi kar rahe bekar company hai.
    Riya
    Riya
    Free mein to hum sirf kejriwal se bijli paani lete hain 😂
    Aur baat rahi ye charges ki, toh main UPI ya net banking se nahi pay kar du instead of paying 300 bucks.. itna to reward milega jitne ye le lenge...
    Moreover these fintechs have collaborations with banks so that we people prefer their platform instead of others...
    Hum se bhi lenge aur merchant se bhi lenge
    I
    iampqq
    Mere sa tho pvr wale rupay bhi nhi lete cash Dena padtha h
    • Hehe
    Reactions: Riya
    Riya
    Screenshot 2024-08-22 165558.jpg

    Now Amex reward multiplier offering only GV of Rs 250/- denominations
    chillad ikathe karenge ab 🤣 🤣
    • Haha
    • Hehe
    • Like
    Reactions: D₹V, ashwink, Krishna Kumar and 2 others
    View previous comments…
    HumorSimpson
    HumorSimpson
    @Riya ma'm, even if it goes to @D₹V i.e., do rupya vouchers , these amex referral sellers justify it, saying it's a good biceps 💪 building exercise to buy 2000 vouchers and add to the wallet.
    Content Cat Typing GIF
    Riya
    Riya
    @HumorSimpson for that I'll have to keep an assistant just to key in email id, phone number and OTP for each and every voucher 🤣🤣
    And since I have 2 Amex, for 12k worth I need a whopping 6000 vouchers 🤣🤣🤣
    HumorSimpson
    HumorSimpson
    @Riya ma'm, new scams be like.. Job assistant for loading amex.
    Riya
    Screenshot_20240818-224448.jpg

    Grrrr!!!! 🤬🤬🤬🤬
    CIBIL, Why you so cruel....
    I didn't prepaid only 1 card before bill generation
    and you reduced my score by 10 points 🤬🤬🤬

    I knew how much sweat and money it took to raise you from 780s and you shattered ABKI BAAR 800 PAAR ka dream in one go 😭😭
    • Hehe
    • Sad
    Reactions: ashwink and HumorSimpson
    View previous comments…
    vine
    vine
    Usually paying the amount also takes 1-2 days to reflect in the system.
    How do you guys manage for transactions which might happen 1-2 days before bill generation?
    Do you try to avoid as much as possible or just use cash/DC/UPI for a few days.
    shrewdoc
    shrewdoc
    @vine I shared my experience, you can check it out:
    shrewdoc

    Post in thread 'CIBIL Score - A Practical Guide'

    I had been following what @SSV explained in the beautiful article above and I can confirm some details as Tried & Tested by myself and my family member accounts:
    1. Prepaying BEFORE Bill Generation really helps and boosts your score by ~10 points immediately.
    2. Keeping Utilization BELOW 30% on Individual accounts.

    If you're someone who has utilized >30% on an individual credit account, but OVERALL utilization is <10%, then if you think your score won't be affected, you're MISTAKEN. My CIBIL took a plunge by ~17 points when I used my HDFC card by around 75% last year...
    • Lovely
    Riya
    Riya
    Yes.. @SSV was the one who helped me with this trick to uplift my score which was stagnant for a while...
    Also there's a list shared by @TechnoFino which states the civil reporting date of all banks... So I always pay accordingly and all 4 scores were going north since then...
    But har subah ki ek sham hoti hai... 😏
    Riya
    I know it'll sound strange...
    But just received second Limit Upgrade on ONE CARD within a week.....
    Last week it went from 5L to 5.5L and just minutes ago I got LE from 5.5L to 6L...
    Has this happened with anyone???
    Riya

    1721203929086.webp
    Ab bas yahi dekhna baaki reh gaya tha 🤣🤣🤣
    Riya
    Screenshot_20240707-234852.webp

    Just found a very weird offer on Amazon....
    I'm unable to understand what do they mean by "CARD"
    • Haha
    Reactions: Strange and VISHESH_BANSAL
    rohant
    rohant
    These are bugs. Do not fall for these scams. Another one was 100% cashback up to ₹100, people did recharge their phone...but no one got the cashback.

    If cashback is not showing on the payment page, do not proceed!

    To answer your question, they mean Amazon Pay ICICI credit card.
    Riya
    Riya
    Yeah... Seems so prima facie...
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