How many active credit cards do you have? Flash your portfolio.

[pranjal1984]

why Emeralde PVC ? why not Metal ?

Metal door will open if you take and spend on PVC .

 

[dvader]

how old is your oldest CC ?
38 is huge number, how you manage them and track dues etc ?

Oldest card is from 2018 (I am 99% sure, or 2019), Got a job while I was still in college. Didn't know a single thing about CCs but saw an offer on HSBC Card for a Refrigerator (on Amazon I think). A few days later I saw an HSBC camp in my office criteria, applied for the platinum card, and got it with a meager limit of (40 or 45k). It's the only card I have some mental attachment to and I always carry it in my wallet. Got me through some hard times too. Today the limit has increased to 10L.

As far as tracking is concerned. It's twofold. All statements are forwarded to a Gmail ID and cred pulls the statements. I have consolidated all statement dates on 5th and 25th of every month. I have set up Google tasks to remind me on these days. I open individual apps on these two days and mark the tasks as completed. (Cred + Google Tasks) in case Cred F**s up someday. I pay on the statement generation date no matter what.

Fun Fact: I rejected an offer for LTF DCB (I was still a noob) because I thought managing 3 credit cards will be very difficult. Not a day goes by, that I don't regret that decision. 😆

 

[bhavyakjain]

I just looked at my active CCs and the number is 38.

A bit high but I don't rotate or manufacture spends in any way so the only time I waste is once a year doing a Rs 5 transaction on all cards in case one of them didn't get used. I have cards with (almost) every bank so if I am making a payment, I check if there is a bank offer, sometimes friends and family use my cards but that's about it. I don't chase any spend criteria apart from the Amex spend offers during the festive seasons.

Cards to get in the future
AU Bank (the only ba**rd I don't have right now)

Optional Cards
Union Bank/Other 2nd tier PSU bank rupay select card (already have CCs from SBI, BoB, and PNB)

How long is your journey
Please share your portfolio of possible
Also do mention fees for these

 

[dvader]

How long is your journey
Please share your portfolio of possible
Also do mention fees for these

The first card was in late 2018 or early 2019.

Here is the partial list
1. ICICI (Dual Sapphiro LTF, Dual RuByx LTF, Coral RuPay LTF and Amazon ICICI)
2. Indusind Pinnacle and RuPay Platinum
3. HDFC (Regalia Gold, DCP, Swiggy and Tata Neu) all LTF
4. Amex MRCC (1500 Fee)
5. Federal Celesta (LTF ofc)
6. IDFC Select (I have to get an upgrade to wealth but I am being lazy)
7. Yes Reserv LTF
8. BoB Premier LTF
9. HSBC Platinum

These are off the top of my head. Will try to update the list once I get home.

 

[Ehtasham_123]

My first card was in mid 2018, and it was Axis Buzz (now Flipkart Axis)

Here is the full list
1. Flipkart Axis, Axis Ace, (both paid)
2. SBI Simply Click (now LTF)
3. HDFC Regalia First, HDFC Tata Neu Infinity (both LTF)
4. Axis Myzone (LTF)
5. BoB Select, BoB Snapdeal (both LTF)
6. PNB Rupay Platinum (almost LTF)

My city is Tier 3, unable to expand portfolio with other good bank cards.

 

[iscoopicecreams]

All unsecured

HDFC: DCB, Neu Infinity (Both LTF)
ICICI: Apay, Coral, Rubyx, Sapphiro (All LTF)
Amex: Gold, Platinum Travel(FYF)
SBI: Vistara Prime
PNB: Rupay Select (Conditional LTF)
BoB: ICAI, Premier (Both LTF)
Axis: Atlas, Vistara Signature, My Zone(LTF)
AU: Zenith(LTF)
Kotak: Myntra(FYF)
Federal: OneCard(LTF)

Spotted a fellow chartered accountant 🤪

 

[JimCarrey]

Check after 9 am every Friday. Park plus cashback comes in Park plus wallet.

No luck, 3% always shows up. been trying from 9am

 

[pranjal1984]

F

No luck, 3% always shows up. been trying from 9am

It s showing 4% for my Park Plus login. 4PERCENT coupon is getting auto auto applied in payment option

 

[JimCarrey]

It s showing 4% for my Park Plus login. 4PERCENT coupon is getting auto auto applied in payment option

Thanks for the check, one of friend too can see 4% .
Checked with 3 friends, 1 is getting 4%, rest 2 3%.

The one getting 4% has used park+ petrol several times, might be thats why

 

[pranjal1984]

Thanks for the check, one of friend too can see 4% .
Checked with 3 friends, 1 is getting 4%, rest 2 3%.

The one getting 4% has used park+ petrol several times, might be thats why

Maybe. My fuel expenses is 15k to 20k every month all through Park +