advice

Hi Folks, I need help to recover my HDFC Core card (Millennia) credit limit which I had unintentionally assigned to Pixel Play. I'll explain more about on the cards I hold and the relation I have with HDFC followed by the issue I'm facing. I'm an Imperia Customer and hold Millennia and TN...

I wanted to open just a regular savings account in ICICI after being frustrated with SBI. So I went through videos and their website, and found they have regular savings account with 10k and 25k mab, so I just wanted to open the 10k MAB account and applied on their site. But the representative...

I currently hold a Tata Neu Plus Credit Card with a 50k limit (FYF) and have met the annual fee waiver criteria. My goal was to get an HDFC credit card for their 10% offers, but since Tata Neu is co-branded, it doesn’t provide that benefit. HDFC is offering LTF cards currently, but Tata Neu...

We’re buying a new car and need advice: -Loan Amount: ₹7L -Down Payment: ₹1.5L -Offer Details (Kotak): 9.3% p.a. (Fixed), ₹7,500 processing fee, 24-month tenure. Looking for: 1.Tips to negotiate better terms. 2.Suggestions for other bank to apply to (can consider one more- Should I apply...

Hello guys, Need small suggestion my story as follows Yesterday I have applied for cashback credit card application number was generated, today customer care guy called me and asked me to upload documents I did(initially my netbanking was failing but second time it went success this is...

Hello, I need some advice. Last month I applied through an agent for HDFC Millennia card but the agent instead applied Swiggy card without informing me. I received the card but didn't activate it and subsequently closed it as I heard it is hard to get a core card if one already has co-branded...

Hi everyone, I need guidance regarding an old credit card issue. Back in 2010, I got an HDFC Bank credit card with the help of my brother. I used it responsibly for the first few years, paying dues on time. However, due to financial difficulties and personal problems, I defaulted on payments...

Hi Guys, Hope you all are great. I currently hold the following Credit Cards- 1. HDFC IndianOil 2. Kotak League (LTF) 3. Flipkart Axis Bank 4.SBI SimplyClick 5. IndusInd Legend (LTF) 6. IDFC Millenia (LTF) 7. BOB Select ( LTF) 8. ICICI Amazon Pay (LTF) I think these are too many cards and some...

Hello On 11 October 24 I had paid credit card bill through mobikwik pocket UPI and the transaction was successful from mobikwik s end and money got debited from wallet but I received a message from they your payment has failed it would be refunded within 5 days . But after 5 days it was not...

I’m dealing with an ongoing problem with a loan account that was initially with Axio and later managed by Asset Care Financial Services. Despite proving that I didn’t owe them anything, I ended up paying the principal just to settle the matter—but it’s still causing issues. Here’s a breakdown...

Hey everyone, I wanted to share my recent experience with the HDFC Bank BizGrow Credit Card. Initially, my application was rejected, but after reaching out to the Grievance Officer, the card was eventually approved. However, to my disappointment, the approved credit limit is extremely low just...

Hello all, I've the following cards in my portfolio: HDFC Diners Club Privilege LTF (Got this recently) SBI Cashback Airtel Axis ICICI Coral LTF I use Airtel Axis for my postpaid payment as well as Swiggy, Zomato (as it gives 10% cashback upto Rs. 500), rest all my payments were done through...

Hi Guys - I will need your suggestions on potential cards to use for spends of upto 30-45lacs (valid and not manufactured) in the next 10 months. Can’t use Amex for this. I am ok with applying for fee cards as long as the roi makes sense. I have the following cards currently Atlas - as gold...

Hey everyone! I’m hoping to get some advice on my mother’s credit report and credit card options. Here’s a quick breakdown of her profile: CIBIL Score: 776 (as of today) Annual Income: ₹6.5 to 7 lakhs (as per ITR) Source Of Income: ₹6.5 to 7 lakhs (as per ITR) Bank Accounts: Kotak Mahindra...

Hello, I recently got a yes credit card and I wanted to know what the repercussions are for spending more than the credit limit. By that I mean, you have 1L limit and you spent it all and clear the limit by making imps/neft/bbps payments and spending more. I remember seeing a post on here or on...

Hey everyone, Looking for some guidance here! My dad recently closed his Amex Platinum Travel Card about 25 days ago (on 24th September). He had the card for over 5 years and now wants to reapply for the same card. (why he closed the cc cause he took upgrade offer for plat reverse when i told...

I’m facing a situation where I need to pay my 6-month office rent of ₹1.3L and am planning to upgrade to the iPhone 16 Pro by January 2025 (not sure if I’ll get the 256GB or 512GB variant so that the amount will range from ₹1.2L to ₹1.49L). I also have the Amex annual fee due on 18th January...

I'm seeking expert advice on retention benefits for my IDFC Vistara credit card. With renewal approaching, I want to maximize benefits. What retention strategies have worked for you? Any successful negotiations or offers? Share your experiences! Thanks!" @SSV @BVC @TechnoFino @drsel

Hello All, I have travelled Dubai past in Feb this year.. Now planning our 2nd International trip to Bali From India in this October 1st week, Super Excited . I have Indusind exclusive Debit card, Fl debit card and Idfc Wow credit card from India. I need an advice from which ATM should i...

Hello Everyone, I recently faced a rejection for the SBI SimplyClick card (despite already holding the SBI Cashback card). Here’s the timeline: Initially, I emailed regular customer support requesting the reason for rejection and reconsideration, but they turned me down. I then contacted the...