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Hope

Hope

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  • Hope
    I have mb+ rupay/swiggy both ltf with 56k limit
    I dont use fk much and mb+ is also not that useful.
    And idk when last time i got limit enhancement. Cannot ask for LE since i dont have any salary slip/itr

    Need suggestion should i close above two cards and wait for better pre approved cards ?
    I have hdfc salary account ( classic banking).
    • Like
    • Wow
    Reactions: krishna18, HumorSimpson and praful1947
    View previous comments…
    Hope
    Hope
    @Avatar Aang in 2020 i joined a company they opened salary account I worked there 1.5y something till then salary credited. Still its salary account they didn't convert to savings.
    K
    krishna18
    I’ve had a salaried account with HDFC since 2020. Two years later, I left my job. I hold mb and swiggy lft. My limit is 66k. No card upgrade or LE available. Also mine is imperia banking and have cards from axis and other banks with 8 lakh limit. God knows how HDFC works.
    • Sad
    Reactions: Hope
    Hope
    Hope
    @krishna18 bro you should definitely close it with imperia and rm help you can get better cards.
    Hope
    Selling Yatra 2000 rs voucher at 30% discount validity 02/07/2026.
    Source: sbi simply click
    Dm if interested.
    Hope
    India Post Completely Redesigned website's User Interface.


    Screenshot_2025-08-12-21-07-48-206_org.cromite.cromite-edit.webp Screenshot_2025-08-12-21-09-08-141_org.cromite.cromite-edit.webp
    • Like
    • Lovely
    Reactions: cardio_guy, Aniket and sovon
    View previous comments…
    HumorSimpson
    HumorSimpson
    @GABBA₹ a better version is

    gobar ko polish karne se wo gabbar nahi ban jata
    D
    Dragon_slayer
    Credit where its due, Indian post actually offers the most competitive rates for delivery of goods to foreign country and the service is also quite good.
    GABBA₹
    GABBA₹
    @Dragon_slayer service is undoubtedly improved now a days. But problem is with Post office and tracking service.

    They have tendency to hold the product stating incomplete delivery address.

    In my area if it's debit card they will definitely return it to the branch (it costs 118 for sbi customers if returned to branch)

    Their tracking service is pathetic. Most of the time I could track it only on the delivery day.
    Hope
    Screenshot_2025-07-31-22-39-28-088_com.flipkart.android-edit.webp

    Idk if someone already shared.
    Its a good option though.
    Good old uni/slice 1/3 splits.
    View previous comments…
    pinki
    pinki
    @sovon
    No idea
    But most probably single
    S
    Slayer
    Super Pay is some creation of flopkart's illegitimate offspring named super.money

    Walmart has so much money to waste that it is borderline amazing
    • Hehe
    Reactions: sovon
    BhaiyaJi
    BhaiyaJi
    Looks like a easy debt trap.
    Hope
    Anyone want to donate bms ( rupay debit card ones preferred since they give flat 250 and my single ticket price is 150)
    Please dm if anyone interested in giving.
    View previous comments…
    Aniket
    Aniket
    @Hope Check on District app, may be it's available for ₹10 for 10 mins (flash sale) at 10AM on Friday

    IMG_20250730_153614_340.webp
    Hope
    Hope
    @Aniket chutiya banaya district ne 🥲
    • Sad
    Reactions: Aniket
    Aniket
    Aniket
    Crashed, right?

    Koi koi jiske pass tolerance & patience tha jeet gaya lottery 🤣 (not me, mein try bhi nahi kiya)

    IMG_20250801_134702_533.webp
    • Like
    Reactions: Hope
    Hope
    Hello guys.
    I have complained to rbi regarding unauthorised activation/deduction from BOI account pmsby/pmjjby
    Today received call from zonal office they asked me i visit branch and they will refund all amount and i give satisfaction letter in branch.
    Should i visit branch or wait for bo order etc ?
    View previous comments…
    Hope
    Hope
    Ok i called again and said i won't visit branch can send mail
    Written in mail initiate full refund and share same transaction id.
    Karan.
    Karan.
    Take a note of the the case number. This is a repeated case with PSU banks.
    They generally pay the PMSBY and PMJJBY premiums from the Savings accounts and those who complaint refund that transaction amount accounted in the branch's credit cost.

    They wont deregister u.
    After 2-3 cases you should escalate this to BO.
    Hope
    Hope
    Recieved refund of 3Y 22/23/24

    Screenshot_2025-07-20-10-55-51-059_com.google.android.gm-edit.webp
    Hope
    Guys.
    I applied for sbi cashback card on 8/06/25
    Recieved call today from sbi card. Lady said we are processing cashback card for only whose profile matches approval without any documents ( whose generates instantly ) and my profile is not eligible for that ( need physical verification) she asked to proceed for other card offered sbi irctc/simply save else application will expire. ( I have recorded call )

    I told her to call back tomorrow.
    What should I do above two cards are not useful for me as I already have a core sbi card simply click ltf.
    View previous comments…
    GABBA₹
    GABBA₹
    @Hope there is no word named "pre approved" in sbi card's dictionary. They were lying. Wait for their reply. Then refer to RBIO.
    • Like
    Reactions: Hope
    Hope
    Hope
    They reopened application
    application number is same as before in track it changes declined to application in process.

    You have successfully submitted your application for SBI Credit Card (App No. 2815XXXXXXXX). Track status at https://acl.cc/SBICRD/ .
    Hope
    Hope
    And again after vkyc verification calls no esign message.
    One guy calling me daily if i have received it he is saying something wrong with backend.
    Hope
    Received a call 5min ago.
    From number :- +919129246248
    Website link :- https://helpmycard.com/axisbank/

    Promised axis Bank limit increase he told to open website link I opened and some shitty design clone. I said him I can make better in less money.

    He cut the call I called him to ask where he get details he said he got from branch told my nearest branch name. My pan card number and he cut call again.


    Damn how much data they have and banks share with these fraud agencies.
    Hope
    Bhaiyo or behno.
    Mere paas already simply click hai agar cashkaro se cashback cc apply karenge to rupiya milega ? (Unke t&c me saaf mana hai)
    • Like
    Reactions: 2025
    View previous comments…
    s1t2y3a3m6
    s1t2y3a3m6
    how is possible?
    Click to expand...
    One year old application. Same tnc was there but I received 1800 after 90 days.

    No idea for now, as most replying wouldn't get then might be true.

    Also you can apply through bank sathi
    • Hehe
    Reactions: 2025
    I
    ihmahetar
    @s1t2y3a3m6 i think it is system error or Your mobile number different
    Hope
    Hope
    Applied through netbanking
    Btw how much time sbi takes to reject application?
    Applied on 8th june no documents asked only bank statement through anumati portal.

    Attachments

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    Hope
    Here's what I encountered today at BOI branch.

    I visited BOI branch for xyz work. And while I was there 2 police person visited in counter he showed UPI txn and asked guy if this account belongs here he said yes after that he told incident a guy from uttarakhand by mistake transferred 50k in his account after while telli he shown nothing no copy of complaint etc or any permission and branch guy checked account details ( he didn't even asked for anything just asked police person how you got contact of uk guy he said from cyber police etc) after that branch person put freeze in receiver account and gave address from account to police person.

    Is this how easily they do things without even verifying ? And now it will take years to unfreeze account just because someone transferred amount in your bank.
    • Wow
    Reactions: Karan., TechnoFino and 2025
    View previous comments…
    Anupama_Jha
    Anupama_Jha
    I never understand the complete freeze of account (debit). Why not just only the disputed amount? I meant what if someone had to pay cc bill, hospital bill, or something important. That money is literally gone............

    I am thinking to write detailed application on this matter and send to RBI Ombudsman by post and email. If they starts receiving same topic mail/letters in mass, they might think about this. @TechnoFino
    TechnoFino
    TechnoFinoTechnoFino is verified member.
    This is a very serious issue, IDK why RBI don't interfere in such cases. @Anupama_Jha it's a very good idea...
    Hope
    Hope
    @2025 from the way they were talking it doesn't looked like they knew each other.
    • Hehe
    Reactions: 2025
    Hope
    Recieved this communication from icici in email
    SS attached.

    Scan any QR Code or pay online using a linked ICICI Bank RuPay Credit Card on UPI through Paytm and get flat ₹50 cashback on each of the first 2 eligible transactions.

    • minimum transaction value is 200 per transaction
    • offer is valid till 30 June 2025
    • only one transaction per day is eligible for offer

    Attachments

    • Screenshot_2025-05-30-20-12-04-901_com.google.android.gm-edit.webp
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    hitirfan
    hitirfan
    I also received this. I guess many have received this email
    • Like
    Reactions: Hope
    Vasuki
    VasukiVasuki is verified member.
    Nothing works sleep
    cardio_guy
    cardio_guycardio_guy is verified member.
    not just icici, any rupay cc on paytm works. I just installed paytm some 4 days back to apply for freedom card, and i saw this offer. linked my neu infinity card. did a upi scan of 220 rs in a shop, got 50 rs in bank. one scan per day.
    one more remaining for me, will do sometime this week. heavy raining since last 2-3 days, not able to go outside.
    • Like
    Reactions: Hope
    Hope
    Kotak offering me ltf league platinum cc vkyc pending ( no cibil hit made till now).
    Should i take it ? I dont have and kotak cc and i have cc acc to my usage so it will not make any diff. Kotak only for sales offers. Just have doubt about kotak LTF gimmick.
    Please share your thoughts
    View previous comments…
    shu_sha_
    shu_sha_
    Today my RM called me and introduced him. I asked if Zen or White card can be provided as LTF, he said will upgrade your card to Zen LTF and he then applied it from his system, shared a link with me and have given the consent.

    I highly doubt that it will be LTF waiting now to see the application email confirming that as LTF
    • Like
    Reactions: Hope
    D
    drvirag
    u shud hv asked for myntra ltf. it is still usefull card n difficult to get ltf
    shu_sha_
    shu_sha_
    Kotak is not issuing myntra card anymore, I guess they brook down their partnership
    Hope
    So I have zero knowledge about ITR filling/Incometax etc
    I have some questions below before I proceed here's my info.

    I Was salaried till oct 2023 (currently student )
    My yearly salary was around 2L
    I never filed ITR etc.
    My CC usage have been alot in last FY used for self my father paid bills (and used cards to order for friends etc ) and got amount in savings account and paid bills through that for some reward.
    My CC spend was ~
    ICICI - 3-4L
    Axis - 2.5L
    SBI - 1.4L
    HDFC - 2.5L

    Bob - 50k
    Now my noob question are.
    1) Should I file ITR ?
    2) is it fine if I register in e-filing portal and check AIS report etc ( never got and message regarding that ) or they will track more after registering.
    3) or leave it as it is.

    Please tell what I should do, and what I am doing wrong any knowledge appreciated.
    Thanks in advance.
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