opening too many credit cards has ruined my finances

[varun__goel_]

Gopal Sharma wala thread yaad aagya op case sunke

L e g e n d

 

[Shubham Yadav]

i was using rotation only but missing two payments got me in this loop

If you dont mind

tell us

which cards

 

[doraemon]

Haan aur rotation kralo tum😒

Mai to just kehra tha ki agar temporary issue h to shayad se isse nipat jaye

 

[dealminer]

i used to juggle between cards so i paid one card dues with another and another card with that so it piled up like that

Hmm.. what's the difference you have left to pay? Total due - funds you have.

 

[varun__goel_]

Mai to just kehra tha ki agar temporary issue h to shayad se isse nipat jaye

Again he will end up in a loop. Transferring from one card to another. No one knows when all these tricks get rectified. And again he will end up paying interest

 

[Nishan11]

First of all, lets get the record straight…

The title should have read like below ..…

“ The Vacation that ruined my finances”
NOT
“ Opening too many credit cards has ruined my finances”
because OP was absolutely fine for 4 years with these credit cards...

One of my college time friend who has 8-9 credit cards. He was previously working in Accenture but from past 2 years he's jobless. Only using credit card for lifestyle & using other credit card to transfer fund from wallet to bank to pay of bills of CC.

I told him many times to close cards & find any job with stable income. But he's happily doing this from 2 years & wish to continue till I don't know 😑

 

[dealminer]

Again he will end up in a loop. Transferring from one card to another. No one knows when all these tricks get rectified. And again he will end up paying interest

Agree. Even CB can't overcome the interest charged by the bank later.

 

[doraemon]

One of my college time friend who has 8-9 credit cards. He was previously working in Accenture but from past 2 years he's jobless. Only using credit card for lifestyle & using other credit card to transfer fund from wallet to bank to pay of bills of CC.

I told him many times to close cards & find any job with stable income. But he's happily doing this from 2 years & wish to continue till I don't know 😑

That lavish lifestyle 😂

 

[RAMESH BABU N]

Go to your parents with ALL DETAILS of this dirty work since the beginning. Now.

Beg n borrow from them. Today.

PAY EVERYTHING THAT'S DUE TO BE PAID.

Learn the lesson the hardway. And, remember.

Start with a clean slate. Avoid doing such things in future.

 

[random1229]

If you dont mind

tell us

which cards

I have sapphiro, millenia, sbi cb and atlas and a few more cards

 

[random1229]

Go to your parents with ALL DETAILS of this dirty work since the beginning. Now.

Beg n borrow from them. Today.

PAY EVERYTHING THAT'S DUE TO BE PAID.

Learn the lesson the hardway. And, remember.

Start with a clean slate. Avoid doing such things in future.

im hesitant to do that since i moved out of their place and now live alone. 🙁

 

[Vasuki]

Back in 2020 i started watching technofino and got intrigued by cc community i was 19 at that time. took a fd an opened my first cc under sbicards. used that card and cards after that to make more cards right now with like 11 lacs combined with zero income in 2024. i used to use methods like upi payment and apps to pay cc bills with my other ccs and used to juggle between them with 0% interest. last two months i was MIA in remote location for vacation. didnt use my phone much. now the interest and charges that incurred were crazy idk how ill pay it back as my cards got closed too. Im a active user in this forum hence using this alt account to post.

Either you faking it or trying to be innocent.

One who's intrigued by cc since 19
Can't forget dues no matter how long he goes for vacation..no matter how remote
Because paying bill is a habit

i havent calculated but should be around 3.5 ish spread across 4 cards

Then clear smaller dues of card.
The one with highest limit & 2nd highest use those card 80-90% limit in one wallet reload & make them into emi


Now u will say how will u pay emi .. that is what u have to think .


You spent 4 lakh ? Where ?


Talk to parents & pay off slowly..

Closing eyes & thinking world has stopped is not remedy.


There may be so many advice..but to get genuine.
Dm me I will add 2-4 PPL in conversation u can explain all in detail & we might able to help you
No sugar coating


What's done is done if you want to improve it .. then dm

 

[HumorSimpson]

Still hai to 0 income wala hi as mentioned in post

That is strange konsa bank 0 income pe card deta?

In a decade even Nobita will be like this. Please take care of him Doremon.
If you have a gadget manipulate his CIBIL so he doesn't get a credit card.

 

[ccdc]

you're 23...are you still studying....if not...man up and pay your dues..and yes pay for your mistakes as well you committed after turning an adult....

 

[doraemon]

Either you faking it or trying to be innocent.

One who's intrigued by cc since 19
Can't forget dues no matter how long he goes for vacation..no matter how remote
Because paying bill is a habit

Then clear smaller dues of card.
The one with highest limit & 2nd highest use those card 80-90% limit in one wallet reload & make them into emi


Now u will say how will u pay emi .. that is what u have to think .


You spent 4 lakh ? Where ?


Talk to parents & pay off slowly..

Closing eyes & thinking world has stopped is not remedy.


There may be so many advice..but to get genuine.
Dm me I will add 2-4 PPL in conversation u can explain all in detail & we might able to help you
No sugar coating


What's done is done if you want to improve it .. then dm

Brutal but it's best

 

[doraemon]

In a decade even Nobita will be like this. Please take care of him Doremon.
If you have a gadget manipulate his CIBIL so he doesn't get a credit card.

Neither Doraemon not Nobita gives a fcuk about credit cards
As they both know that it's not worth it

I am happy with my debit cards and at least I am not having sleep issues because of late payments,intrest and all this fuss

 

[random1229]

Either you faking it or trying to be innocent.

One who's intrigued by cc since 19
Can't forget dues no matter how long he goes for vacation..no matter how remote
Because paying bill is a habit

Then clear smaller dues of card.
The one with highest limit & 2nd highest use those card 80-90% limit in one wallet reload & make them into emi


Now u will say how will u pay emi .. that is what u have to think .


You spent 4 lakh ? Where ?


Talk to parents & pay off slowly..

Closing eyes & thinking world has stopped is not remedy.


There may be so many advice..but to get genuine.
Dm me I will add 2-4 PPL in conversation u can explain all in detail & we might able to help you
No sugar coating


What's done is done if you want to improve it .. then dm

I cant dm u since its a new account

 

[doraemon]

im hesitant to do that since i moved out of their place and now live alone. 🙁

Like u are 23 and live alone

Are u jee/ neet student?

 

[random1229]

Like u are 23 and live alone

Are u jee/ neet student?

i was. i graduated last year

 

[dealminer]

Like u are 23 and live alone

Are u jee/ neet student?

Bhai graduation khtm ho jati ya hone wali hoti itne me