Recent content by abhishek12333@rediffmail.

Those who are saying that there will not be any CIBIL enquiry in the first step are wrong. I am myself a victim of the pathetic HDFC systems, and there is invariably a CIBIL Inquiry immediately after entering the OTP in the first step itself. Please don’t just try to test the system. Use it only...

Yes. I have suffered on this count. Just after OTP, there was CIBIL enquiry - And not one, but 2 enquiries. Due to this, my CIBIL score fell by 10 points. HDFC System is very very bad. Then I fought with HDFC and told them to remove the enquiries. After some efforts, fortunately, HDFC...

It is indeed foolish to first open an imperia account, which requires minimum 10 lakhs balance in the savings account and then ask for the benefits it offers. Let me Break your heart by telling you straight that it gives practically no benefit over an account which with ₹10,000 balance. The...

All Amex cards are useless and complicated. All thess monthly tasks of 1000x6, 1500x4, 20000, 2x reward multiplier, buying vouchers, requesting for fee waivers every time etc. are completely not worth. Too much hassles and headache. Better to have a cashback card like SBI cashback that gives...

I remember that in one of their earlier email communications (probably under FAQs), Axis bank had clearly mentioned that if your existing Citibank credit card is lifetime free, then your replacement axis bank card will also be lifetime free. So, please don’t worry. I am trying to locate those...

Ok hi Don’t worry. You will also soon get an offer. Please wait. Even DBS employees may call you. But wait for official mail from DBS.

You are lucky to get Spark20 as LTF card. They offered me Spark5 only as LTF (not even Spark10) even after maintaining savings account with them since 2016. I have taken it and its a good card. They may upgrade me in due course.

Very simple answer. It is clear that you are thinking of taking this card only to exploit the welcome points (which also do not cover the astronomical joining fee plus GST). Further, you have mentioned that you have no intention of continuing with this card in the second year. This clearly shows...

I have been approved DBS Spark5 Credit Card as a Lifetime Free Card. It will be delivered today. I have a Digibank Savings Account since 2016 and maintain only minimum balance of Rs. 10000. The temporary Credit Limit given on this card is Rs. 80000. Higher Credit Limit will get activated after...

I received this mail from Axis yesterday only in my bulk mail box !! I did NOT make any request to them. I suggest that you may please wait for sometime as Axis seems to be rolling out this limit merger thing for all the customers.

Now Axis has done this on its own in my case WITHOUT my request. My highest credit limit on my Vistara Infinite card has been made the limit of my remaining 2 cards also, WITHOUT my asking. Screenshot of mail received is attached.

What is swapping?

Congratulations. It is so swift. Everything happened in a matter of one day !!

Did anyone try the Swipe Up platform? I was thinking of applying using my HDFC Infinia as a base card but have 2 doubt 1. What card better than Infinia can AU provid 2. HDFC does not mention Credit Limit of its cards in CIBIL. Should I try using Infinia or some other card?

I applied for a friend and gave his Kotak Zen Card with Rs. 449000 limit as a base card. He got instant approval for AU Xcite Ultra card with an enhanced limit of Rs. 785000. V-KYC yet to be done.