advice

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...

Hey TF community, I had done my axis bank cc payment through snapay, since they offer some cashback in return, which can be used for another payment. But today all of a sudden i recieved a payment advice from axis bank which states as "Dear Sir/Madam, We have initiated your payment to RBI...

Hi Guys! So I applied for an Axis Bank Credit Card last month on 14th August but the application wasn't processed and more than three weeks had passed. Tried talking to the customer care and they told me that some agent would contact me but nothing happened. At last I had to contact nodal...

Hi guys, I am a 31-year-old tuition teacher planning to take the state PSC examinations. I’m thinking about going to a coaching center, but everyone there is between 20 and 25 years old. What do you guys think about it? Will I look out of place in a coaching center with younger people? Even...

I have an offer for 2L from INDmoney INstcash. Currently in required of 1L.Check their payment terms as 0 foreclosing charges but with fixed EMI till duration. Is it wise to choose this? Note I am in urgent. Also I am self employed no offers on getting personal loans. Interest rate per month...

You know how some apps are just waste of phone battery for having sound in them and there's no way to turn it off like that loud cred sound that you have to mute everytime. Try this app called sound assistant on galaxy store and go to individual app volume.

I need to pay for my TATA AIG two-wheeler insurance and I’m considering which credit card or payment option would give me the maximum cashback or rewards. I have the following credit cards: OneCard Amazon Pay ICICI HDFC Biz Grow IndusInd Platinum RuPay ICICI Rubyx ICICI Coral RuPay IDFC First...