• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Search results for query: *

  1. cardio_guy

    Refund considered as payment?

    Amazon ICICI refunds now come into my ICICI savings bank account. ICICI is making a lot of problems and complications. Earlier, the refunds used to be directly credited to my credit card statement. But now, they are being credited to both my bank account and credit card statement, and then...
  2. cardio_guy

    ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

    How to get emeralde LTF?
  3. cardio_guy

    ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

    For me, only Emeralde 12000+GST was being shown till last week, once the offer started, these also started appearing: - HPCL super saver 500+GST & - Machester United Signature 2499+GST
  4. cardio_guy

    ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

    Or is it like icici is giving away LTF cards to make up for the glitch that happened last week? Just a marketing gimmik
  5. cardio_guy

    ICICI Credit Card ICICI CC UPGRADE PRE APPROVALS

    Lot of credit card influencers have posted screenshots of them getting emeralde LTF. I don't get any
  6. cardio_guy

    Best use of credit card

    For me, it's good to have a 40-50 day credit period. Here's an example: I have a credit card with a limit of 1.5L. Once, I used it to make a payment of Rs 55000 on the first day after the bill was generated. I had a full 50 days to repay. It's like having free cash for almost 50 days, plus the...
  7. cardio_guy

    Free Amazon Pay to Bank Transfer

    I didn't know this and I used to pay electricity bills, gas booking, water bills and purchase some items on Amazon.
  8. cardio_guy

    CASHBACK earned in FY 2023-24

    If we spend 2 rs for lounge that cost Rs 1750, will it be counted as rs 1748 cashback?
  9. cardio_guy

    Most used / Default Credit card

    I do not see the returns as such for this card (It is very little, almost nothing). Some reward points get added I think, but that's practically of not much use. I just want to keep all the fuel expenses in one card. Other than that, it just helps to meet the quarterly milestone spend of Rs...
  10. cardio_guy

    Most used / Default Credit card

    The following are the most used cards for me: ICICI Sapphiro - Fuel expenses (close to Rs 10,000 per month) HDFC Swiggy - All offline and online expenses, groceries, etc. (close to Rs 15,000 per month) Amazon ICICI - Amazon purchases, bill payments, etc. (close to Rs 5,000 per month)
  11. cardio_guy

    RBI ACTIONS TREND

    Whenever there is a mass adoption of any good thing, the regulator pitches in and kills it. Whether it be credit cards, mutual funds, stocks, crypto, Paytm, or whatever. Just in the name of regulation, these idiots Sebi, RBI, irda, and other regulators spoil our lives. Very sad. They don't like...
  12. cardio_guy

    Dreamfolks Complimentary Spa Visit

    No. Spa inside adani lounge is not Ode spa. It's zivaya spa. They don't accept this dreamfolks thing.
  13. cardio_guy

    Dreamfolks Complimentary Spa Visit

    Will it work if you just have the dreamfolks app and not the card? Also, what spa services are available on this card?
  14. cardio_guy

    Which is your First Credit Card of 2024

    I got Federal Celesta LTF and HDFC Swiggy (Paid). Stopping my CC enquiries. Not able to manage all cards.
  15. cardio_guy

    Experience with credit card billing cycle change

    Federal: The billing cycle can be changed only between 15-20th in a month. There should not be any outstanding amount due. There are some 4-5 predefined dates and you can choose one among them. It can be done from the app itself.
  16. cardio_guy

    How many active credit cards do you have? Flash your portfolio.

    Here is my collection as of now.
  17. cardio_guy

    credit cards addiction..

    Your cibil hit - card ratio is really good. I have 35 Cibil hits and just 4 cards.
  18. cardio_guy

    Card Management : Google sheet : alert

    Excellent 👍 congrats 🎉👏 for this effort. Please can you also make a sheet for personal finance overall related document - Like all bank accounts, insurance and other details - what my family needs to know document. Also you can try making a investment tracker sheet as well. All these...
  19. cardio_guy

    How many active credit cards do you have? Flash your portfolio.

    Card Variant Limit Fees ICICI Amazon Pay Visa 10L LTF ICICI Coral Rupay 10L LTF ICICI Sapphiro Visa Signature 10L LTF Federal Celesta Visa Signature 5L LTF Planning to take this year: IDFC First Wealth AU Xcite Ultra ICICI Rubyx & Emeralde HDFC Swiggy & Tata Neu Infinity
  20. cardio_guy

    Which is your First Credit Card of 2024

    Planning to get AU Xcite Ultra and IDFC Wealth too.
Top