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I face issues with some online sites I use like Agoda, Intercontinental Hotels.. I wish they solve these..

In my case, single card utilization (due to HDFC not reporting CL) shot up too high... but overall was below 10%.. CIBIL score was hit by 8 points..

Pls consider this additional cost for flight ticket booking- Smartbuy platform charges Convience Fee (299/-) per pax and per each leg of journey.. Easemytrip on it's app or site- doesn't charge a fee.

Yes.. unlimited..

Agoda offers discounted prces, but has limited supply in 5 star category and advance booking needed. There are room types with free cancelation till some date, but comes at a price!

As HDFC CC doesn't report limit, I had used for an amount higher than all past procurements.. It was reported as 100% utilization for that card, overall was below 15%. Later score dropped by 8 points and yet to rise after 2 months..

On luggage limit clubbing, I faced an issue with Indigo. They were allowing only if both tickets are on same PNR (not with 2 separate tickets).

I paid using ICICI IMPS, it took 2 days to reflect (Saturday to Monday).. No SMS sent by Axis on the credit..

I have tried same on SBI, but I paid as soon as I bought an item. It got reflected in CC app, in less than 1 hour. In credit score after a month or so - card utilization was showing just pending amount, Not total purchase value.

I have tried same on SBI, but I paid as soon as I bought an item. It got reflected in CC app, in less than 1 hour. In credit score after a month or so - card utilization was showing just pending amount, Not total purchase value.

My CIBIL shows CL of both Apay and Coral as separate and my total CL is addition of both limits (15L)!

It helps to do webchekin with Auto seat assignment to ensure a seat is blocked and you're not dropped on a fully booked site. And then join checkin que at airport (90 to 120 minutes ealry) to request for side by seats.. Normally checkin agents accept.. (exceptions are fully booked flights...

If you bring credit score perspective - it's advantages to have more credit limit. It makes CUR better when you need to spend more..

Debit card Niyo global claims 0 markup (and 0 rewards). https://www.goniyo.com/forex-card/

Thank you. I will try next time..

Where do we find Income info in CIBIL? My report always shows loan or CC accounts only.

How many days ago you used Niyo and Citi PM at 080?

I guess this is the most important point.. If the time gap between oldest account and next one are huge, and then closing the oldest one impacts more on score..

Yes, I transferred from one branch of SBI to other SBI... In reality, it's online crediting..

SBI & ICICI are major players. One can open ICICI PPF online. https://www.icicibank.com/Personal-Banking/investments/ppf/ppf.page