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  1. xfactcc

    Need help figuring out FD calculation from SBM
    Threadmarks: FD Premature Interest Rate Calculation

    Hi members, On 4 December 2022 I booked an FD with SBM to get FD backed Paisabazar Rupay credit card. One year later, on January 2024 I received SMS that credit card has been closed due to non-usage. There was no prior intimation in non-compliance to RBI, escalated, got to RBI BO, got...
  2. xfactcc

    HDFC Savings Max charging SMS alert charged?

    So now HDFC Savings Max account is charging fee for SMS alerts? Previously never noticed this. Notice the description 'Oct to Dec 23, 19 sms' it suggests I think. Charging ₹5 for nearly a year old period? What's going on? Should I dispute this?
  3. xfactcc

    Bank communication address change by self declaration only as per RBI?

    Dear members, I have been meaning to change my communication address in my bank for which I do not have proof, i.e., newly rented. I want to keep the permanent address unchanged which was added via KYC proof during account opening. I spoke to two banks one PSB and one pvt both said standard...
  4. xfactcc

    Got a call from ICICI Wealth RM regarding 'downgrade trigger'!

    Today I got a call from my Wealth account assigned RM that he has got a 'downgrade trigger' for my account because my account is not maintaining sufficient balance i.e., I am maintaining around 10k these days... so he has apparently got a trigger to downgrade my account to 10k MAB variant one...
  5. xfactcc

    Does anyone know how many debit cards can Central Bank of India customers hold simultaneously?

    As mentioned on the heading, does anyone know from experience how many debit cards can a Central Bank of India customer hold at a time? Is it a single card or two (or more) cards, as varies by banks. I already hold a debit card by Central Bank of India, thinking of applying for their Select...
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