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General Banking Discussions Thread

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doraemon said:
Yeah 😅

It's just kezual work
From 2021
I was a normal one savings account holder (canara bank)
Then I joined desidime and got to know about rupay plat

At that time it was 250 RS in canara bank
From there I started
Then I joined tf and only after that I have open so and so accounts

Btw it's a good thing isn't?
Atleast I am giving back my family what I owe them
U won't believe I maintain 1 registers where I record even single expense on my bcom/ca /kezual expense

And at financial year end I payback all that
I have not yet taken any single penny

Also I want to say,
Its a good thing to exploit opportunities (I read in SM)
I have a huge respect for people like @Abhishek012 who every time come up with new tricks and loop holes

In last FY I made total 56000 rs

It's not that much but it's my money I made😁

I have no credits card apart from kotak fd
So all that is from UPI dc

My this year projections are around 96-104k
Click to expand...
Arre Bhai Bajaj wali toh trick btao..
Tumhe Dora cake ki kasam..
 
Ak Singh said:
Arre Bhai Bajaj wali toh trick btao..
Tumhe Dora cake ki kasam..
Click to expand...
Install Bajaj App register for UPI

And then u will get UPI send money offers like 2/4/6 & 1/3/5 send money pr 30-40 cashback in form of coins u can redeem coins in 5=₹1

Daily u will get this offer 6-7 times

Just don't overuse that because ur bank might flag the transaction

Open kotak 811 and do from that and also do full kyc of Amazon
So kotak to Amazon Amazon to kotak

Don't keep balance in kotak so that u won't have to worry

Don't link this account anywhere so that u can abandon it just in case


Also u can do 20 send money transaction from one account

But here is the trick

Like u do 6 transaction on 1pm/3pm
At certain point it will throw error like p2p limit breached

This means account jyada Chalke garam hogya h
Usko 2-3 hours colling period do

Like 1 baje error aaye to 3 baje ke baad Karo limit refreshed ho jayegi
I do this I don't know it's a bug in my account or Aisa hi hota h


Daily ek account se mat Karo if u don't wanna freeze issues
Try in combination of multiple useless accounts

Open any bsbda in tuccha bank they don't have any system and u will be good to go


Trick is not to keep balance

Don't try to use all offers of Bajaj everyday
Aim for higher cashback less transactions ones

Don't fall for upto ones
Check whether it's flat or not
 
doraemon said:
Install Bajaj App register for UPI

And then u will get UPI send money offers like 2/4/6 & 1/3/5 send money pr 30-40 cashback in form of coins u can redeem coins in 5=₹1

Daily u will get this offer 6-7 times

Just don't overuse that because ur bank might flag the transaction

Open kotak 811 and do from that and also do full kyc of Amazon
So kotak to Amazon Amazon to kotak

Don't keep balance in kotak so that u won't have to worry

Don't link this account anywhere so that u can abandon it just in case


Also u can do 20 send money transaction from one account

But here is the trick

Like u do 6 transaction on 1pm/3pm
At certain point it will throw error like p2p limit breached

This means account jyada Chalke garam hogya h
Usko 2-3 hours colling period do

Like 1 baje error aaye to 3 baje ke baad Karo limit refreshed ho jayegi
I do this I don't know it's a bug in my account or Aisa hi hota h


Daily ek account se mat Karo if u don't wanna freeze issues
Try in combination of multiple useless accounts

Open any bsbda in tuccha bank they don't have any system and u will be good to go


Trick is not to keep balance

Don't try to use all offers of Bajaj everyday
Aim for higher cashback less transactions ones

Don't fall for upto ones
Check whether it's flat or not
Click to expand...
This is why banks put freeze on accounts
 
ashwink said:
Mis using of services causing negetive impact...
Click to expand...
Personally experienced in ICICI Bank

Not misused any kind of exploitation for for cash back or rewards

Just did anonymously lot of transactions when I'm just 18 or 19 in savings account and got multiple calls from branch and till today Not even received single pre approved offers just not even DC EMI..

If even I applied through C2C, ITR, Payslips they just reject immediately...
 
ashwink said:
Personally experienced in ICICI Bank

Not misused any kind of exploitation for for cash back or rewards

Just did anonymously lot of transactions when I'm just 18 or 19 in savings account and got multiple calls from branch and till today Not even received single pre approved offers just not even DC EMI..

If even I applied through C2C, ITR, Payslips they just reject immediately...
Click to expand...
Same boat
But I never used icici that much
 
doraemon said:
Why?
I am not using any cc?
And my every bank has below 1 lkh worth transactions in a year



Also I will file my itr for first time in June 🥰
Click to expand...
Credit card get reported in ais

Doesn't mean unlimited wallet reload from bank don't

Ofcourse here u aren't liable for tax if u can proof same 40k was revolving around the corner from
Ding to dong & dong to ding
 
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