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cardio_guy

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Which are some of the useful threads in this forum other than Informative Threads?
Some threads that you keep coming back or bookmarked for references? I'll list down some. Please add yours.

General
Bank Specific:
 
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Thread 'Ways to pay credit card when outstanding is zero'

Looking for ways to pay credit cards a tiny amount when the outstanding is zero or negative, without incurring any charges via netbanking, debit card, whatever.
AFAIK, it doesn't let you pay via BBPS payment systems in this case.
One way I know for some credit cards is pay via NEFT/IMPS and another is via billdesk, for e.g.


American Express
https://www.billdesk.com/pgidsk/pgmerc/amexcard/amex_card.jsp

AU
https://pgi.billdesk.com/pgidsk/pgmerc/ausfcard/AUSFCARD.jsp
...
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SSV

Thread 'New CIBIL Reporting Frequencies of Various Banks from January 2025'

Guys,
We already know that the new norms of cibil reporting comes into place w.e.f 1 Jan 2025.
As per the new rules ,the banks and other financial institutions should report outstanding balances of loans and credit card accounts atleast every fortnight. In this regard some banks adopted fortnightly and some adopted weekly reporting.
Let's collate the list of various banks with their frequency of reporting here in this thread..
The following is the list of Banks with their respective frequency and reporting dates in a month:
We will add more banks to this list as and when the...
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lostwords

Thread 'Savings Account Interest Rates across Banks - Updated October 2024'

Savings Account Interest Rates of RBI Scheduled Banks (DICGC Insured)
(in percentage %)
[As of October 6, 2024]

Public Sector Banks

Banks​
Up to 1L​
>1L to 5L​
>5L to 10L​
>10L to 25L​
>25L to 50L​
>50L to 1Cr​
>1Cr to 10Cr​
>10Cr​
Updated​
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https://www.technofino.in/community/threads/all-bank-credit-card-payment-option-details.5091/
BVC

Thread 'Cooling Period for All Bank Credit Cards (Pre Approved Offers Excluded)'

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

BankCooldown Period
American Express (Amex) 3 Months per card
Axis BankNo Cooldown
AU Bank3-6 Months
BOB Cards6 Months
HDFC Bank6 Months
ICICI Bank6 Months
IndusInd Bank6 Months
IDFC First...
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Last edited:
cardio_guy said:
Which are some of the useful threads in this forum other than Informative Threads?
Some threads that you keep coming back or bookmarked for references? I'll list down some. Please add yours.

General
Bank Specific:
Click to expand...
You can add this as well, had created this thread but it didn't got much visibility.

TheTrickySid

Thread 'Total Timely Payments Count Increase Guide for all Credit Bureaus.'

Bank Name​
Reports bill payment to CIBIL for no spends. (Yes/No)​
AMEXYes
AU Bank
Axis
BoBYes
Citi BankYes
Federal BankYes (OneCard)
HDFC BankYes
HSBC
ICICI Bank
Regular Card - No ; Apay Card - Yes​
IDFC Bank
...
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