advice

Hi all, This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful! I’m seeking some advice regarding getting the HDFC Millennia Credit Card...

TL;DR: During my trip to Malaysia, a hotel overcharged me 50 MYR (~1000 INR) for a lost room key when the card mentioned only 20 MYR. Despite multiple discussions, the manager later agreed to refund 30 MYR but insisted on needing my bank details for the refund. I’m concerned about tax...

Hi, I am planning for a family trip to Dubai on April-May 2024. Will fly from Mumbai. Plan as of now :- 1) Flight :- Raipur-> Mumbai by Indigo Mumbai -> Dubai ->Mumbai by Emirates Mumbai -> Raipur by Indigo 2) Hotel :- In Dubai :- Taj or any luxurious Accor hotel nearby Dubai Mall Stay...

Hi TF community, I lost my only parent and have no clue on how to handle the finances he left behind. I need some ideas/help to guide me on what to do with his wealth (mostly in bank FD's). Totally lost and need some guidance on how to go forward from here. His assets/stocks/insurances etc...

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...