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Ram1

Ram1

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Viewing thread Share your PSU Bank story- The Good, The Bad and the Drama!!!
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  • Ram1
    I'm getting emails about ckyc fetched by so and so banks occasionally.
    But why? Why are they fetching kyc frequently?
    View previous comments…
    Ram1
    Ram1
    SSquad
    SSquad
    This must not happen after the initial check is completed, unless there is a change in the KYC details and request is raised by you.
    • Unsure
    Reactions: Ram1
    Ram1
    Ram1
    @SSquad i didn't do anything with bob acc or cc.
    Ram1
    Is it good to take samsung s24 ultra at 72k from Samsungcorporate?
    Even cheaper with NCEMI
    Is this mobile having any flaws?
    Ram1
    Why Canara is such a greedy bank?
    Charges for even basic services?
    1000032644.webp
    • Haha
    Reactions: Strange and Aniket
    View previous comments…
    Ram1
    Ram1
    @2025
    Its just temporary bro.
    I myself saw many people loose lots of money in canara.
    Even me and mom were the victims.
    During my college days i opened this account for fun, mab is 500 or 1000, I put 2k ,even having that 2k is hard for me those days,
    Within 5 6 months, balance gone to minus. I couldn't recover ,still that account is in dormat. Dont know how they let me open another account through vkyc.

    My mom account had 20k, her balance dropped to 16k or 12k something, that time only passbook days, no apps nothing. I have no idea how to question. Lot of shady charges.

    Dwakra groups people, old age people, middle age uneducated people, they will never know these charges.
    In the name of govt bank,its looting public a lot.

    Canara was is will be a worst and unethical bank in my opinion
    • Sad
    Reactions: 2025
    2
    2025
    @Ram1 ya, understand ur pain.
    Beyond
    Beyond
    Charges for even closing card 😱
    • Haha
    Reactions: Ram1
    Ram1
    Any good LIC policies for below 30 age people?
    Give suggestions pls
    Ram1
    Bill date : 06-05-2025
    Bill amount : 353526.92
    Due date : 23-05-2025
    paid before 23 may 347000
    After due date paid
    27-05-2025 (40000)

    So 6526 only missed before due date but icici charged 22k interest,3k gst.

    Is this correct? Interest should be charged only for unpaid amount right? Is there any rbi guideline on this

    Note - card is being used in june month also
    • Sad
    Reactions: Dreams Of Desire 💓
    View previous comments…
    Ram1
    Ram1
    Aniket
    Aniket
    Interest should be charged only for unpaid amount right? Is there any rbi guideline on this
    Click to expand...
    Right, assuming no further spend is made.
    Yes
    • Wow
    Reactions: Ram1
    P
    Piyush_Jaiswal
    Interest is charged on current outstanding amount (which includes the spends done on june)

    If you pay partially, the interest free period of 48 days become void. All the transactions will incurr interest charges from day 1. Even the previous transactions for which the bill has been generated will incurr interest from the date of transaction and not bill date.

    These are written in MITC of almost all banks.
    Ram1
    Which bank has best interest rate with low processing fee for gold loan?
    View previous comments…
    2
    2025
    Margin, proc fee, valuation?

    Pnb same rate (8.95) for agri gold loan (limited amount, multiple account) 15% margin. 500+GST fee per account of about 2L. Annual refresh.
    • Like
    Reactions: Ram1
    fradela
    fradela
    Go with PSU's. Don't go private banks and NBFCs.
    • Like
    Reactions: Ram1
    La pasión
    La pasión
    Canara
    • Like
    Reactions: Ram1
    Ram1
    I'm planning to visit chennai tomorrow by reserved train.
    Its destination.
    Can I use this completed journey PNR no to get into chennai railway lounge?
    Ram1
    Last Quarter ended with 1 cc and many dcs(savings acs) for me
    Cc
    1. BOB eterna
    Savings Acs
    1.TMB gen
    2. Karnataka Gen
    3. CBI cent queen joint ac
    4. Union Udaan
    5. PNB eite premium
    6. BOB advantage[blunder mistake]
    PSUs blown my mind yar literally. All offline acs became a headache due to knowledgeless bank guys
    Ram1
    1000015922.webp
    Now will the rupay boss @Abhishek012 fight against the Govt?
    With this move, both banks and customers prefer Master and Visa sadly than very own Rupay.
    Ram1
    Brooo scammers send better sms than this😭🤣
    1000022460.webp
    • Haha
    • Hehe
    • Like
    Reactions: paturivasu, BrokenBoot, Quantum and 13 others
    View previous comments…
    Quantum
    Quantum
    @Dragon_slayer
    Meanwhile BOB keeps doing fd on my account and then automatically closes it after 1 week
    Click to expand...
    Take that seriously if it is not auto-sweep and all.
    They should not do that without your consent..
    You could do a RBIO bamboo to BOB, and you should do it if even once BOB has done a FD on your account and closed it after a week, AND it was NOT auto-sweep.
    Ram1
    Ram1
    @hender how about taking AIS report with 20L fd showing there and demand bank to withdraw fd and give amount or give premium cc based on that fd. Should Treat axis with their own medicine 😅
    • Haha
    Reactions: hender
    H
    hender
    Axis Emp - Sir... M4B is ok with you...
    You - NO.
    Axis Emp again- Sir please adjust for now. ✅
    Ram1
    Look who's back🫠
    Old 811 closed on sep 2024.
    got new 811 super in same CRN 1000018119.webp
    • Wow
    • Hehe
    Reactions: Aniket and Anupama_Jha
    View previous comments…
    Aniket
    Aniket
    Yes, as per t&cs & few have confirmed. Though, I suggest have patience till 28 evening, if you're from metro city, it will get delivered within 3 days.
    Have you issued VDC by yourself? If not, then it's digital overview of physical card only, then also you're good to go. Though, it would be better to confirm. Also, are you able to see super in your screen? Hope so, since you have directly opened instead of upgradation.

    Yes, it can be linked.
    Aniket
    Aniket
    Passbook delivery is something new, IG.

    Though, it doesn't make much sense where everything is digital. Statement is there as good/valid as passbook.

    Having said that conveniently mil raha doorstep pe toh achi baat hai aur lene mein kya jata hai 😊
    • Like
    Reactions: Ram1
    Ram1
    Ram1
    @Aniket its a good feature. We can use passbook as proof of bank for many schemes especially govt schemes. I
    Ram1
    1000011837.webp
    Benefit of having a amex card(plat trav).
    Took retention offer of 1.5L spends in 3 months on Nov 2024.
    Waited till January and got festival offer 3k gv on 1L spends.
    From jan to feb, successfully completed 1.5L spends.
    So got 3 benefits overall 😍
    1. Fee waiver
    2. 3k gv
    3. Next year 1st milestone completed
    1shot 3 birds 😜
    Ram1
    Jio 5g problem
    I recharged 2999 2times last year, today one got expired and another one activated automatically.
    Whole day, i kept 5g turned on, still my 2.5gb used up and I'm not getting internet.
    I think this new pack has problem with unlimited 5g.
    How to resolve this, customer care has no clue.
    • Sad
    Reactions: Aniket
    View previous comments…
    Ram1
    Ram1
    @Strange yes they activated on the next day of recharge
    R
    Riva
    @Strange. I did not bother to follow up. Jio has dismantled a tower in my area since Dec'24 and I barely get any network and speed. Only usable on phone that too for text and web pages. Videos take ages to load. I am stuck on a yearly plan hence cannot port right now, but will port in July'25 once this plan is over.
    • Sad
    Reactions: Ram1
    R
    Riva
    So I just had a chat with cc on the jio app. They said that since I use the sim on the M2S (jio dongle) and as that is not a 5G device, it won't show up in my add on plans on the jio app. And only if I use the sim in a 5G device, it will AUTOMATICALLY ACTIVATE..

    Attachments

    • IMG_20250225_005325.webp
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    Ram1
    Is this conspiracy theory really true?? 😳
    • Wow
    Reactions: cardio_guy
    View previous comments…
    S U D O
    S U D O
    D
    desiviru
    @Aniket that 23 days thing was on direct recharges after Jan 2023 and not queued up plans and it ended last July, 2024. Now they give UL voucher only. Those who have too much older plans like I am having 444_2GB_84 days, it takes time from 1 hour to max. 48 hours after activation. But everyone gets it surely. Somtimes changing the handset and putting in another handset for 3-4 hrs also works. But no guarantee. Just keeping phone in 5G network does the job but takes time.

    @Ram1 Next time activate your plan manually before 5 mins of expiration. The expiration time is there in Plan Info.
    Ram1
    Ram1
    Finally added UL 5G guys😊
    1000011362.webp
    Ram1
    People hyped this random ranji match so much and came in huge numbers to the stadium, just to see his score of 6.
    Look at that off stump flying omg.
    1000009368.webp
    Ram1
    Just after a week of closing Old account. BOB welcoming me back with open hands and alloted new customer ID. Online account opening process was smooth and completed in 2hrs.
    1000008736.webp
    Ram1
    Finally good riddance from BOB torture Bank
    Signing off from Masterstroke!!
    Typical psu bank waiting at branch and asked me to visit one counter after one uff.
    Don't know why, branch guy before closing asked if I have fd or credit card, i lied i dont have any 1000021690.webp
    • Haha
    • Lovely
    • Like
    Reactions: 6ix9ine, Aniket, Karan. and 4 others
    View previous comments…
    Ram1
    Ram1
    @BVC Last year i applied Eterna c2c online. After successful physical verification, application declined.
    This time i dont want to take chance. Heard bob won't do physical verification for premium accounts, without income proofs & card will be ltf(may be conditional). Thats y i opened masterstroke and applied Eterna. Successfully wasted 2 months, also physical verification happened.
    Worst bank
    Ram1
    Ram1
    @BVC Yeah why wouldn't they approve you, since eterna devalued a lot, they are approving almost all applications now
    • Hehe
    Reactions: BVC
    BVC
    BVCBVC is verified member.
    My application process started and approved before devaluation. BTW I had 2 unsuccessful attempts before approved. So with BOB we have be patient.
    • Hehe
    Reactions: Ram1
    Ram1
    Bob Masterclass
    My friend applied bob premier ltf online
    Day 1 - applied online and gave netbanking access after documents page
    Day 2 - Received mail for pending documents. He sent scb card Pic and statement
    Day 4 - Home and office verifications
    Day 5 - approval message

    Unbelievable fastness. Seems like bob improved their services.
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