Did not check the MCC, it’s a hassle to talk to customer care in Indus you can connect to a live agent. They don’t respond to Mails also. Didn’t want to break my head over it.
I was in a similar situation about 10 years back.
My suggestion is to focus on increasing your income first and then thinking of all the other things. Credit cards will eventually come to you after your income increases.
To repair the CIBIL,
Focused on increasing the income to pay off the...
Below is how i got my iPhone 16 Pro max 256 GB from Singapore duty free
SGD -1742.20 - INR 1,13,085.62 Paid through Infinia got 1k cashback via GVP and 3765 points +FX Charge INR 2669
If you are transiting through Singapore like I did make sure to prebook from...
Only bother is on Amazon card, anyways other cards were of no use except for instant discount & may be Spa access on higher cards. Emerald Metal guys would be most impacted with the Spa removal.
I Dont keep points in AXIS, keep redeeming & when the edge account got blocked I close the card and moved on. I tried to rational with them but they were adamant on providing bills for eating out aswell -350 -400rs
Great, Not to be pessimistic just make sure to keep the bills for your spends(even if its 100rs). AXIS will ask, its not the matter of "IF", its the matter of "WHEN". Hope you catalogue the bills as per date. Sharing with experience.