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Long time no credit card huge devaluation news, Jindegi jhand ho gayi hai
- Thread starter Abhishek012
- Start date
Abhishek012
TF Pioneer
Faltu. Koi jarurt nahi hai super premium/ultra premium card sab ko RuPay me launch karne ki.
Woh sab loss making business hai.
Maaza ayega jab SBI CB Rupay main ayega 🤣
Abhishek012
TF Pioneer
Saare entry level card and premium card, RuPay me aa jaye.
Co-branded card sab RuPay me aa jaye.
level card and premium card pe lounge access minimum 50k/1lakh spend pe mile chahe koi bhi card network k card ho.
10% discount offer Amazon/Flipkart etc pe kam kar de like HDFC bank and ho sake toh 10% discount offer only EMI par diya kare.
Jada se jada LTF credit card issue ho chahe entry level card ho ya ultra premium card. SBI Card ko apne saare card LTF me bhi dene chahe.
Axis k jaise Utility, Insurance, Wallet, Rent, Education fee, Govt. Transactions, Fuel, B2B Goods and Services, Jewelry, Charity, Toll fees etc me reward/cashback nahi dene chahiye and milestone/annual charges wavier me bhi exclude kar dene chahiye, chahe koi bhi card network k card ho.
Wallet load par bhi 1%+GST charges lagane chahiye saare bank k credit card pe like Yes bank and OneCard.
Credit on UPI -
Small merchant k 2k transaction k under koi reward/cashback nahi milne chahiye.
Baki abhi yaad nahi aa raha hai. Jo fatafat yaad aaya bol diya.
U
Aur instant discount non emi pe rakhna padega nahi to customers bhag jayenge
Utility and insurance pe to points dena chahiye legit expenses jo hai
Aur instant discount non emi pe rakhna padega nahi to customers bhag jayenge
Ye sab me to aapka jivan safal ho jayega
Abhishek012
TF Pioneer
Koi nahi bhagega. This is business.
Hamesa yaad rakhna customers ko ghanta pata hota hai unhe kya chahiye woh toh bechne wale batate hai unke liya kya sahi hai.
Ek acha example deta hu MDR ka, jo small merchant hamesa rohte rahete hai.
Manlo tumhare area me Pani puri bechne wala Rs20 ka 8 panipuri deta hai.
Toh next time se woh Rs20 ka 8 pani puri k jagha 7 pani puri dega and digital payment accept karne lagega. Ab tum bologe mai kahi aur se Rs20 ka 8 panipuri kha lunga but woh bhi possible nahi hoga.
tumhare area k jitne Pani puri bechne wale hai, sab ko ek meeting bulane chahiye aur fix kar lena chahiye Rs20 ka 7 panipuri he bechenge hum.
ab tum isme ques karoge, aisa thorai hota hai kuch Pani puri bechne wale mujhe Rs20 k 7 pani puri bhi deta hai and kuch pani puri bechne wale mujhe Rs20 k 9 pani puri bhi deta hai.
toh us meeting me yeh bhi decide hoga. agar koi panipuri wala jada he gareeb hai jo ab tak Rs20 k 9 pani puri bechta tha woh ab bhi Rs20 k 8 pani puri bechega aur jo Rs20 k 7 pani puri bechta tha woh ab se Rs20 k 6 pani puri bechega, par digital payment hum sab accept karenge aur customer se MDR charges nhi lenge.
Mai kya kahe raha hu smajh gaye ho toh thik hai warna sorry to say business samjhna tumhere bas ki baat nahi hai.
Abhi ki problem yeh hai ki customer intelligent hai and small business wale bewakuf. Yeh bahot galat hai Small businesses ko intelligent hona parega aur customer toh hamesa se bewakuf tha aur hain aur future me bhi rahega.
Tumhara he example lete hai, Abhi tumhara mentality hai ki "instant discount non emi pe rakhna padega nahi to customers bhag jayenge"
Par trust me aisa kuch nahi hoga, Jab 10% discount offer EMI pe dene lagega toh customer uska adat daal lega, waise he mentality mann jayega dhire dhire.
Par socho agar koi customer default kar jaye toh ? 1-2 month k EMI na de paye toh and phir jada interest de kar EMI bhare toh ? aur credit card me aise lalchi customers ki kami nahi hai jo EMI time se pay nahi kar pate hai. Aise credit card customer hai jo 20k ka product EMI discount offer me 18k me lete hai discount k lalch me aur baad me default kar k uska 5 times jada, approx 1 lakh chukate hai bank ko next 3-4 saalo me.
Utility and insurance payment pe rewards point na dene se. Logo ki soch badlega.
Aaj 2023 ki soch hai ki 2-3 dost sath me baith te hai toh baate karte hai.
Dost 1: tu kaha tha bey kal ?
Dost 2: Arey busy the mummy ne bola tha Utility and insurance ka bill bhar k aao, wohi gaya tha. Lambi line tha late ho gaya
Dost 1: Pagal, tu online kyun nhi bharta bill ? aur pata hai woh falana dimkana credit card pe 5% cashback milta hai Utility and insurance payment pe.
Dost 2: kya baat kar raha hai, sachi ? mai nahi manta.
Dost 3: hai yaar mai bhi woh falana dimkana credit card use kar k 5% cashback leta hu Utility and insurance payment pe.
Dost 2: wow! mai bhi leta hu phir woh falana dimkana credit card.
Now ab agar Utility and insurance payment pe rewards point/cashback dena band kar de toh, aaj nhi but kuch saalo k baad wohi dost sath me baat karenge like -
Dost 1: tu kaha tha bey kal ?
Dost 2: Arey busy the mummy ne bola tha Utility and insurance ka bill bhar k aao, wohi gaya tha. Lambi line tha late ho gaya
Dost 1: Pagal, tu online kyun nhi bharta bill ? time bhi bachega. Tere fuel k paise bhi bach jayega.
Dost 2: Baat toh sahi kaha tumne
Dost 3: Haan yaar mai bhi online bill bharta hu, ekbar pata hai mera purse chori ho gaya tha tab se online he bill bharta hu.
Dost 2: oh, haan yaar lambi line me daar bhi lagta hai koi pocket na maar le. Mai bhi ab se online he Utility and insurance ka bill bhara karunga aur sahi bola tune fuel k paise bhi bach jayega, usse Russian bula k moj karenge. 😜😜 (Russian wala joke hai, uspar nahi baki chiz pe focus karo).
So, you see. Tumne ab tak yaha tak padha hoga toh bakwas lag raha hoga tumko but dost yeh ek din me nahi hoga. Na ki 2025 me hoga. 2030 me shayad thora bahot changes aaye but 2035 ya 2040 tak, ek new generation aayega. tab k bache fuel k paise, time and chori na hone k chalte online Utility and insurance payment kiya karenge. Reward/cashback se unka koi lena dena nahi hai. Yeh Reward/cashback ka mindset pura change ho jayega.
Aur yeh mindset change karna hai toh abhi se thora thora kar k sab card ko devalue karte rahena hoga baki customer hamesa se bewakuf tha, hain aur rahega.
Padh ke acha laga 🤪
Pani Puri Walla samjha ki gateway and networks companies mdr set karte hai and bank ke reward team reward set karte hai.
Chalo utility and insurance man bhi liya ki no points for transactions done.
Main point in non emi discounts.
Agar mere hi jeb se Paisa nikalke mujhe dega to jinhe akkal hai vo use karna band kardenge.
Majority of them don't read tnc and are not financial literate so they will keep using it agreed,but if it is devalued until that extent which I don't think it will be then they have killed their usp.
Banks will be happy for a bit ki log iPhone pe 5k discount le rahe hai par 20k interest bhar rahe hai.
Lekin jab interest wale lauta nahi paayenge tab chubhegi banks ko aur pata chalega unhe ki sustainable nahi hai unke liye
Abhishek012
TF Pioneer
"Agar mere hi jeb se Paisa nikalke mujhe dega to jinhe akkal hai vo use karna band kardenge."
Aise logo ki % bahot kam hai aur jab non emi discounts nahi milega aur maine yeh nhi bola ki no cost emi maat do. "no cost emi" pe de sakte hai bank, phir Amazon/Flipkart ajkal product k price bhi manipulate karna sikh gaye hai. Woh log approx 10% product k price bada he dete hai aur yeh sab discount offer mainly new customers ko attract karne k liye hote hai. Baki old customer ko discount mile ya na mile. woh log toh apne favourite online shopping site se buy karenge he karenge.
aise do you know yeh sab 10% bank discount offer Amazon/Flipkart pe humare he desh me itna chal raha hai.
Dusre developed countries me rarely kabhi aise bank discount offer aate hai Amazon/Walmart par.
Interest lauta nahi pane wale log kam he hoga. Baki default kar k 4-5 times repay karne wale jada aur normal log bhi honge jo bina reward/cashback k bhi card use kar k huge profit kama k dega bank ko.
Yes as you said smart card users are very less
So banks will make money out of this
But over and above emi conversions should be kept in check otherwise can lead to a disaster for banks.
kushhh
TF Ace
Achcha toh ab samajh me aaya cb card ko deval karne ke picche kyu pade hue hai 💀
Rocky Bhai
TF Legend
20 ki 8 panipuri milegi aur vendor digital payment bhi lega pucho kaise ?
Jawab hai baad me 1 sukhi Puri to bhool Gaye to hogaye 7+1=8
Khao aur khilao 🫰
Special note - per plate 2 sukhi Puri tak extra mil sakti hai
raghu.rokda
TF Ace
Your finger doesn’t pain while typing that much content
But my head becomes paining after reading that much content 😂
Last edited:
100Rabh_negi
TF Premier
Aaj ki raat, kayamat ki raat hai.
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