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Yes, as said in the original post, that is against the norm. Bank is only supposed to charge interest on the original amount, which was 11k in your case.

Only unpaid balance, even from the actual statement. Let's say you had 10k bill, you paid 1k before given time but not rest, then bank can only charge interest on 9k. Nothing else. Failure to pay interest in next cycle will attract interest on everything, including interest on the pending...

There is some confusion here, transferring money from cc to bank account can indeed get ITD notice They will ask where this money has come from in your account, you will have to answer. They will not do their own "assumptions" like this is "borrowed from cc", you will have to provide documents...

it's one of the easiest ones to open and manage, just don't keep money in it. I really don't like AU bank, I think its a fraud waiting to happen.

Most of my cards I use regularly have small limit, depending on what your use case is, 80k is more than enough. But if you spend more than 20k per month on a card like legend, probably try for LE. Or use different cards. I have no other relationship with the Indus bank other than this cc, and I...

Be careful when going lower on budget, most of these guys import before mixing flavor and putting it in their own package, I must note that imported protein prices has more than doubled in last few years, so it's virtually impossible to have pure but cheap protein brand.

Yes. It was same.

Apay card was pre-approved for me since at that time I had other ICICI cc. But before having that card when I had applied (almost a year ago it was given basis existing ICICI cc), someone from ICICI had come to do the kyc at my home. So rest assured this is not the norm. Fyi, I also had a...

For what? For doing kyc or not doing it if you have account? I have more than half a dozen accounts and 17 credit cards, haven't had a time other than maybe Kotak which didn't ask for Kyc for white, they only confirmed details on call and asked if I wanted the card or not. Oh, yes, axis also...

Irrespective of that, it's very rare for banks to not do separate kyc for cc. Happens only when you have pre-approved offer on your account with the bank, otherwise irrespective of you having an account with them or not, they will usually do the kyc. Their purpose is to also do basic...

Debit card you can try asking. Certain debit cards are offered on certain MAB a/c.

Tax paid by individual person is personal use, however you are also not completely wrong to consider other side, its possible that some bank may review this in a case by case manner. 99% you can rest assured that this is personal use. Also, individual trading stocks/F&O is not really...

Your only option left is to complaint to CIBIL directly and also post on all the social media you have, tag both kotak and cibil. This is one of the areas where lot of development is needed, both banks and cibil simply don't pay enough attention, in your case its still a small issue some ppl...

What happened to millenia?

haha very crucial point, as soon as they have enough users all extra benefits would be removed, MDR would far less than visa master and amex though.

Good and very welcome move.

That some burn for amex right there, its rare but that must have hurt amex if they read this :ROFLMAO:

Honestly some ppl are too obsessed with social media following that they post address of chicken on web and then next day they act surprised if the chicken is missing. Unfortunately, India's new "educated" generation lacks common sense.

Of course, its still one of the best cashback cards, ace/millennia/sbi cashback/axis airtel/hdfc tata infinity are few cards I recommend to everyone. they are worth it even if some of them are paid ones.

Yes, you can use all neucoins in one go. No suck a limit on maximum or minimum redemption.