advice

Hi everyone, We took an education loan of ₹32 lakhs for studying abroad. The bank asked us to submit all the required documents, which we did — except for the TT copy. The TT copy basically shows when (and if) the tuition fees were paid to the college. If the fees haven’t been paid, the bank...

Hi all, I’m planning to buy a commercial plot in Punjab for around ₹30 lakh. My current plan: Take a personal loan of ₹30 lakh at ~10% interest. Use the funds (or part via credit cards) to pay the seller. I was thinking of using a high-limit credit card (e.g., Axis Atlas, American Express...

Hey everyone, Sharing an ongoing issue I’m facing with ICICI Bank Family 360 — and would love some advice from others who’ve dealt with something similar. ICICI has been repeatedly deducting NMAB (Non-Maintenance of Average Balance) charges from my savings accounts even though I clearly...

Hi everyone, I need some guidance on preparing my salary slip for my family-owned business. I’ll be transferring a fixed amount every month from the business account to my personal account as salary. My main goal is to structure the salary breakdown in a way that shows the highest possible and...

Hi everyone, I’m exploring opportunities as an independent sponsor and looking for guidance on how to connect with the right capital sources. Specifically, I’d like to hear from those who have successfully built relationships with independent sponsor equity investors. What strategies worked...

Hi everyone, I have an upcoming insurance premium of around ₹2,00,000 and want to use it smartly with the right credit card. From what I know, cards like HDFC Infinia/Diners, Axis Magnus/Reserve, and Amex Platinum/Gold Charge are often considered for big-ticket spends. But I’ve also read...

I’m reviewing my credit card lineup and could use some input. Current cards & usage HDFC MoneyBack+ (paid) – Took this in college because it was the only option. Barely use it now since the reward rate is poor. Tata Neu Infinity (paid) – UPI spends, Air India flights, Westside, occasional...

Hello all I have an Infinia and am looking for help/advice whether to use just that or add an Axis Atlas card: I have about 12-15L of spends in 1 year. I spend about 2L on smartbuy-gyftr vouchers each year (but could/should 'up' it to 3L). That leaves ~9L of non-accelerated spends which is...

Hello everyone. I need some advice regarding which is a goof salary account if one has a net salary credit of 2.5 lakhs INR per month. I am having ICICI wealth management account at present but not at all happy with services and features. They aren't even giving me a basic ltf cc. I am thinking...

I Want To Review My CC Portfolio Which Credit Cards Should I Close or Keep And Add New LTF CC List Of CC Portfolio Which I Have 1) Hdfc Bank Millennia Rupay (LTF) 2) AMAZON PAY ICICI (LTF) 3) ICICI CORAL RUPAY (LTF) 4) SBI SIMPLY CLICK (LTF) 5) AU LIT CC (LTF) 6) YES BANK ELITE (LTF) 7) BOB...

Hi everyone, I'm from a Tier 3 city, where unfortunately IndusInd Bank credit cards are not directly serviceable. However, I currently hold an IndusInd Select account along with a ₹2L fixed deposit. Recently, my Relationship Manager (RM) approached me with an offer: If I open a ₹3L FD, he...

Hey folks, After a lot of YouTube and article hopping, I'm planning to pull the trigger on a new phone with a budget of around ₹40k. This will be my first time using an iQOO phone, so looking for some community wisdom here. My requirements are pretty straightforward: Good day-to-day...

I got my Standard Chartered Smart Credit Card on April 16, 2025. One of its features is that for the first 90 days, you can pay just the minimum amount due without incurring interest. I followed this and paid the minimum amount for the first statement. In June, I requested to change my billing...

I have 21 credit cards and the total limit is now 75L. I've decided to close a few to reduce leverage because some banks don't seem to be willing to give cards if someone has too much credit limit. The cards I intend to close are: 1.BOB Onecard: good limit, but pretty useless now 2. RBL world...

Hi everyone, I'm posting here to seek help and guidance regarding a serious mis-selling issue I faced with ICICI Bank related to their Adani One Signature Credit Card. Here’s what happened: On 20th Feb 2025, I received a call from ICICI (from number 022 6904 1078) offering me an upgrade...

Hey folks, I’m currently evaluating my credit card portfolio and looking to either add a new card or remove one or two that are redundant or underperforming. I’d really appreciate any feedback or suggestions based on the cards I already have and my usage patterns. Here’s my current lineup...

Hey everyone, I'm in a really frustrating situation with Amazon India and could use some advice from the community. On July 14, 2025, I received an iPad M3 Air that I ordered from Amazon. My order was specifically for the 13-inch, 256 GB model with 5G Cellular + Wi-Fi. However, upon opening...

Can you please review my portfolio. Intent is to maximize rewards. Axis Atlas - 7.5L target reached. Should I aggressively use it now? Will I get renewal fee wave off at some target? I still use this for flight and hotel bookings. Amex travel - 4L target reached. I don't find much value...

Hello, I am interested in applying for the Axis Bank Supermoney Pro Credit Card, but I am unable to clearly understand which variant is actually being approved in my case. Here are my details for reference: CIBIL Score: 775 Experian Score: 795 Existing Credit Cards: I already hold and use 4...

I have 6k super coin to use within 15 days. I think I will purchase some amount of gold using 5% super coin discount offer in vip account. (1:1 value for sc), which I need although, if I get at good price. Else other options only gives me bellow 1sc =0.25 rs. Returns. Queries. 1. Is it safe to...