suggestions

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...

Friends need your valuable suggestions /guidance in my unique case! I have been holding an HDFC credit card for the past five years. From March 2024 to October 2024, the bank repeatedly refused to approve a credit limit enhancement (CLE) or upgrade my credit card, despite my submission of...

Hello Community, I am looking to open a Zero MAB/ less MAB account, primarily for UPI and day to day uses. It would be great if this can be opened online. Offline opening is also fine. Which bank is best or easy to open an account? Thanks

Hi All, I need suggestions from you all people regarding below upcoming transactions - 1. Need to purchase a scooter roughly 1.2 lac Rs txn 2. NPS payment 50k 3. Income tax payment almost 2lac 4. This is ongoing monthly 20k spending because of hybrid WFO, normally travel via Bus I have below...

Last month, I got the SBI Paytm credit card, and I’ve been using the SimplyCLICK card for over a year now. Recently, I applied for the Cashback credit card as I’m planning to buy an expensive product online. Today, I received a call from SBI Cards, and the representative told me that I won’t...

From the past few months, I've been making payments to some merchants using my BoB RuPay Credit Card via the BHIM app. However, I've noticed that their soundboxes (like Paytm and ICICI) often don’t fetch these transactions properly. Has anyone else faced a similar issue? I’m looking for a...

Hi all hope you are doing great Recently I got stuck by some financial disturbance. One of my account is on freeze so it's also my savings account and I am not able to withdraw any funds and my salary is also stuck in that account. Due to that I have to pay all my EMI on the next day of the...

Can you help me choose the best bank for my salary account?? Thanks.

Hi Everyone, I have been using the HDFC Infinia credit card for over four years now and previously held the Amex Platinum Charge card for a year. However, I found the annual fee for the Amex card unjustifiable, as I already enjoy Bonvoy Gold Elite status through my stays, aiming for Platinum...

Hi all. I'll keep this post short and crisp. I have the below cards with most of them LTF Apay ICICI card(4,60,000, LTF) ICICI Sapphiro(4,60,000, LTF)-------Amex, MC, Visa variants all of them LTF ICICI Emerald(4,60,000, first year free)---> thinking to close after a year in Jan 2025 ICICI...

I used SBI credit card previously and closed due to lower credit limit, now again I am getting pre-qualified credit card offer from sbi , di I get the better credit limit now or will get the same credit limit offered before?

I am not a fan of keeping too many credit cards. Unfortunately, I have hoarded a few and I am inclined towards getting rid of a few. Please advise Following are the ones I have 1. Infinia Metal - usual fees 2. Biz Black Metal - usual fees 3. AmEx Platinum reserve - was LTF for almost a decade or...

Hello guys, I have the following cards right now, so my question is which one will be better for Grocery payments 1. Flipkart Axis CC LTF 2. Axis Neo CC LTF 3. Axis Kiwi CC Rupay UPI 4. Kotak League LTF 5. SBI SimplyClick CC 6. BOB Premier CC LTF 7. Swiggy HDFC CC LTF Thanks.

Hello everyone, I just want to close my fi Magnifi credit card as it is not much useful for me. I have kept this card as it was ltf and highest limit in my card portfolio (1.5 l). If I close the card now, after how many months will I be able to apply for the core federal Bank cc? -- need...

Need a SBI savings account with a physical debit card. Usage: instant discounts during sales. (Have 2 SBI cards since they are chargeable, want to use debit card as extra) AMB: can maintain from 10k-25k Initial Funding: can be done below 5 laks (if special benefits are available) Any account...

Im planning to book a flight from Ahmedabad to Bangalore for 1st weekend of December. Its technically my first flight booking experience, and will be second time Im boarding one since more than 8 years when I was a kid, so totally bumpkin in this case. (Have some trauma of security making fun...

Hi All, I have a total of 10 cards as below: Atlas - Chargeable Sapphiro - LTF Amazon pay - LTF HDFC Neu Infinity - Chargeable HDFC DCP - LTF AU Zenith+ - Chargeable Yes Kiwi - LTF SBI CB - Chargeable Amex Platinum Travel - Chargeable My yearly spends are around 5 lakhs + 4 lakhs(rent)...

Hey, I am looking for suggestions from the community for places I can visit with budget of 50,000 4-5 days. I will be starting my trip from Chennai. I thought I will be able to do Sri Lanka since the flights are costing around 25k (round trip per couple) but I am not sure if 25k I will enough in...

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...

I have been a customer of HDFC Bank for more than 8 years and I used to have Freedom CC from the bank which I closed almost a year after I got it because I didn’t have much knowledge of having credit cards but as I became aware of CC benefits I applied for the card again but the HDFC Bank...