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  1. xfactcc

    Axis Flipkart Annual Charges Again?! Time to Close This Card?

    Axis Bank Flipkart Credit Card – Annual Charge Concerns I’ve been charged ₹500 + GST again this year—4th year for the Flipkart Axis card, and 3rd year on the MyZone card. I’ve kept the Flipkart card mostly because it was my first credit card, but honestly… With the recent devaluation, and...
  2. xfactcc

    Can bank refuse pension withdrawal due to kyc expiry?

    That's not the issue. The issue is: - they never mentioned that I must do re-kyc urgently before - life certificate is duly submitted yearly so that's taken care of
  3. xfactcc

    Can bank refuse pension withdrawal due to kyc expiry?

    Yes, but afik bank won't debit freeze if re-kyc is not done
  4. xfactcc

    Beware! Having poor credit history can cost you your govt job too!

    For those who don't read, this may make a few more of them aware :)
  5. xfactcc

    Can bank refuse pension withdrawal due to kyc expiry?

    - My 86 yo grandmother owns a pension account at UCO Bank where the pension of her late husband comes. - My sr. citizen father, her son, goes to withdraw it via cheque every month - Today he was denied stating the KYC has expired - There was maybe one or two emails regarding re-kyc even if I am...
  6. xfactcc

    Beware! Having poor credit history can cost you your govt job too!

    "Man denied SBI job over poor credit history; Madras High Court upholds bank’s decision Justice N. Mala observes that State Bank of India has taken a prudent decision not to appoint candidates with poor credit history" Read more...
  7. xfactcc

    Axis Bank debit card restricted merchants, may close account if transacted...

    So, those businesses legitimately exist, yet cannot accept debit cards from bank's sides... so how will people transact for those services?
  8. xfactcc

    Axis Bank debit card restricted merchants, may close account if transacted...

    I received this email today, see the photo... Does this seem legit? Can a bank do that?
  9. xfactcc

    Devaluation Equitas Small Finance Bank Limited Ends Relationship with NIYO

    So no MAB charges meaning effectively a 0 bal account still?
  10. xfactcc

    Need Advice: HDFC Tata Neu Plus Credit Limit Enhancement Offer – Should I Accept or Wait?

    Hi everyone, I’ve been using the HDFC Tata Neu Plus Credit Card since 2022, and all this while I’ve been stuck with a credit limit of ₹51,000. Today, I received an offer to upgrade/increase the limit to ₹63,000, 23.5% increase. While it's a welcome change, it’s still quite low for my current...
  11. xfactcc

    Need advice about Indie by Indusind 'add money' fail and compensation

    On 29 March 2025 I added Rs. 11,000 via 'add money' on Indie app (by Indusind) via selecting Navi UPI app as UPI intermediar. Money was debited from my other IDFC bank and shown successful by Navi but not credited to Indie. After waiting for few hours I went to X and complained tagging all...
  12. xfactcc

    Unity Small Finance Bank Online Account Opening

    A staff sent me this. 👇 So the 0 mab seems to be gone after 31st March, she also said the same and sent this doc. Though as per circular wordings are vague, she said all other charges including DC are free. Mine is Pearl account (senior citizen women's) Leaving it here for y'all.
  13. xfactcc

    Upgrade your Indie account to Megastar easily

    5k afik. Thanks.
  14. xfactcc

    OneCard Credit Card closed without my consent....!!!Seeking guidance to file RBI OMBUDSMAN CASE...

    Mention all of the above in good composition, then add 'if the RBI still considers the previous position inspite of it all then I'd humbly request that the 5k is given to me as cash in account as I do not have utilise Amazon's services, and I presume it shouldn't be extra burden for RE, as both...
  15. xfactcc

    Airtel Black Query: Switching to Prepaid for Rs.707 Tariff (WB)

    I have airtel black postpaid in WB, Rs.707 for 40 mbps net + dish tv. Can I switch to prepaid? Anyone has experience or uses/switched prepaid? I have heard for Jiofiber, disconnection request, then telling their cc you want prepaid works, would it here? -Also, prepaid and postpaid tariffs...
  16. xfactcc

    New Variant of Fi Money Account- Fi MONEY PRIME

    Not sure if anyone else has posted already, posting for your convenience: New changes in Fi Money: introduction of new tier Prime for all (not just salary holders), tier qualifying balance 1 lakh. Difference is 3% cashback, max Rs. 1000 cashback per month -compared to Infinite: 2% cashback, max...
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