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  • Users: Lordkk
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  1. Lordkk

    Hdfc now giving debit card spend based vouchers thorough payzapp and then charging a processing fee

    HDFC is now giving spend-based vouchers through payzapp shop, and then charging a processing fee of 2.5% plus GST for most gift card transactions. https://www.gyftr.com/instantvouchers-zetacug/debitportfolios
  2. Lordkk

    What's your experience with Hair Care Products?

    Hey everyone! I’m curious to hear about your experiences with hair care products. Specifically, has there been any oil or shampoo that has really helped you control hair fall or strengthen your hair? I’ve been trying to find something that works for me, and I’d love to hear your...
  3. Lordkk

    Axis Bank Commits ₹100 Crore to Enhance Cancer Care through National Cancer Grid

    They could have given this money to us poor peoples 🤣 https://timesofindia.indiatimes.com/city/mumbai/axis-bank-donation-of-100-crore-to-national-cancer-grid-tata-memorial-centre/articleshow/108598705.cms Also this: Ravi Narayanana, the group executive of Retail Liabilities, Branch Banking...
  4. Lordkk

    SBI Card Application Status as "Soft Decision - Referred"

    I applied SBI cashback card through yono. On the last page it showed that application is approved in principle. However the application status is showing as "Soft Decision - Referred". What this means? Is my card approved? Thanks
  5. Lordkk

    Why do banks take so long to refund, yet debit the money instantly for a transaction?

    I have read on quora that it's because banks what to keep the money with them as long as possible to earn interest. Is it true? If debit is instant then credit should be instant too. For HDFC when I cancel a transaction I get a message that the transaction has been reversed but actual money...
  6. Lordkk

    Do Banks Consider Refund After Bill Generation as Payment?

    Two days before the bill generation, I made an EMI payment, but the bill was generated for the full amount. After four days of bill generation, the transaction was converted into EMI, and I received a refund as part of the EMI conversion. Do I need to make the full payment or only the remaining...
  7. Lordkk

    Cred sent me a gift box on signup (Parody)

    Rec'd just today Box is beautiful Contains, 1 kilo aloo, 100g dhaniya, 1 sabji masla 10g chaipatti 1 spoon kayam churn 10g jeera 1 botal daru 1 packet bhuna chana This much I got Khane pine ki chij ac'hi h baki bech dunga   --- photo mat maangna daru aur chana mai kha gaya Baki ki photo...
  8. Lordkk

    Effect of low limit secured card on Credit score for people already having unsecured cards with good limit?

    Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...
  9. Lordkk

    Getting rejected for every credit card?

    I recently got my first credit card (unsecured). Before this I have never taken a loan and never activated a BNPL service. So, my total credit history is 4 months old. But, I get rejected whatever new credit card I apply. These are all the card I applied last month and they all are rejected...
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