credit card portfolio

As we step into 2025, many are re-evaluating their financial choices, including which debit or credit cards to keep or close. Whether it's due to high fees, reduced benefits, better alternatives, or simply streamlining finances, card closures are a key part of financial management. Share your...

PS - I will update this thread based on responses. I am into credit cards for last 5 years and has good knowledge through Technofino and team. I am planning to step up my game into it. Most of my cards are cashback and I feel comfortable around them. I am looking to balance my card portfolio...

Iso my journey began in 2021 by using the FK Pay Later account now I hold a decent credit card portfolio but I need suggestions related to this and mostly about my cibil score enquiry part specificly. my credit card portfolio: Bank Name | Credit Card Variant | Charges | Credit...

HDFC DCB LTF - Alumni HDFC Swiggy Paid - Food Spends HDFC Tata Neu LTF - Grocery/Tata HDFC IRCTC LTF - Train Spends SBI Cashback Effectively LTF - Online Spends SBI BPCL Effectively LTF - Amazon/Flipkart SBI Offers - Fuel Axis Flipkart Paid - Flipkart -...

Hi everyone, It’s been a year since I started using credit cards, and I’ve learned a lot along the way through this forum and reddit channels. I’ve been trying to optimize my spending and recently calculated a year-end consolidated report based on insights from a previous post here. (I assumed...

Hey TFCians, As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year. My Credit Card Portfolio (as of 31st December 2024...

Currently I am holding ICICI Coral, Amex MRCC, Axis Myzone, AU LIT, HSBC Platinum I need your suggestion based on my spends

Hello everyone, I’m seeking advice on optimizing my credit card portfolio and building a strong set of cards for my needs. Here’s a quick overview of my spending patterns and preferences: Spending Patterns: - UPI Transactions: ₹1-3L per month - Online Shopping: ₹1-2L per month (mostly...

My current card portfolio:- Axis Airtel : Limit 10 L ( Paid ) Axis Atlas :- Limit 10 L ( Paid ) Axis Privilege :- 10 L ( Closed after creating this thread) Icici Amazon :- Limit 10 L ( LTF ) Sbi simply click :- Limit 4.7 L ( LTF ) Sbi Vistara:- 3.7 L ( Closed after creating this thread )...

Hey everyone! I’m looking for advice on optimizing my credit card portfolio, as I feel I currently hold too many cards with overlapping benefits. Here’s a summary of my situation: Cards I Currently Hold 1. HDFC Millennia Credit Card Annual Fee: ₹1,190 (waived after ₹1 lakh spends)...