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Better to get Kotak811 or AU bank account (I personally use them both).

For me, it's Tata Neu (LTF) , because it offers Neu coin (reward) for even small value transactions and 1 coin is worth ₹1. Whereas other cards offer only reward points and that too on transactions above ₹150 (eg. BOB Easy RuPay). So Neu is better in terms of reward rate. edit : added LTF info.

Bank of Baroda Easy Virtual Card is being offered to existing customers as LTF.

The reimbursement thing is different matter (MDR refund thing is for RuPay credit card UPI payments) What you need to know is that Shopkeepers (POS machine owners) are supposed to bear the MDR charges and pay from their pocket, they can't charge the customers additionally to recover MDR...

You have hit a dead end. For whatever reason, If OneCard thinks there is a discrepancy in user data, it would not let you proceed further. Contact customer is not much of a help either. Happened with my friend.

I would suggest to use a password manager app to save not just credit card numbers but also all sorts of other confidential details too. I have been using KeePassDX for android for years.

https://www.theweek.in/theweek/business/2023/12/09/indians-are-getting-more-and-more-credit-cards-and-swiping-them-more-often-than-ever.html?utm_source=pocket-newtab-en-intl CREDIT CARDS HAVE been around for a few decades. In fact, it is the primary mode of payment for purchases in many...

For me, there was no physical verification for my pre approved CC offer

I got offer for Kotak League RuPay CC LTF after around 2 years of holding 811 savings account. So maybe you will recieve offer soon too 😄

Other way is to open a Buy Now Pay Later (BNPL) account with any such service provider (such as Amazon Pay Later, Flipkart Pay Later, Simpl Pay Later, etc). A word of advice, BNPL accounts show up as personal loan in credit reports, so do not open more than one BNPL account, As multiple open...

As others have already said, You voluntarily applied for it and it's legitimate application. You simply can't remove entry because your application was rejected.

I you want a LTF axis card, you may apply for LIC Axis CC. It seems to be relatively easily approved.

You too may probably be aware that it takes 2 to 3 months to reflect effect of any transaction on your credit report. So may be decrease in credit score is due to old transactions?

G Good news for fintech companies I guess. They may, in partnership with banks, launch credit line products for consumers who are not issued credit cards due to issuing policy or who do not want credit cards.

Ok, so what about very small amount of overpayment? I sometimes overpay bill by extra ₹1 or 2 just to be on safe side. 😆.

CIBIL reports contains full credit number, all the sixteen digits!, so I think it is prudent to mask it.

Are you using Kotak's app? , the MPIN is the UPI PIN.

CIBIL directly offers free credit report only once a year. If you want to download CIBIL report pdf file, then you can try IIFL website and Paisabazaar website, I have used them.

Good on them. HDFC is one of the largest card issuer in India and it is constantly marketing /communicating via Emails and SMS' about it's Credit Card on UPI facility. Having Co-branded Tata Neu cards has also significantly boosted the numbers. I kind of expected that HDFC will be first to...

Ok. If you raise dispute of credit agency portals, the incorrect details will be rectified. But I don't know about if your credit score will be reinstated to previous level. If hope other members can shed light on it.