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- Owning SC Smart currently. - Got offer to upgrade to Titanium Super Value Card. All paid. Aye or Nay?

Using HPCL Energie credit card, Paid at HP petrol pumps Rs. 500, they did not reverse the surcharge or give accelerated rewards. When contacted their CRM, they said the pumps are not in their 'MID' list. When I identified one of them successfully on HPCL website, they said surcharge will be...

Opened their brand of FD 'Pot' 1 year ago for 10k with their highest lock-in 'superpots' with highest interest i.e., 365 days for 6.8%. I did this to maintain their 10k TRV requirement to remain 'Pro'. Straight forward calculation upon maturity interest should be Rs. 680. It matured and I...

Hey everyone, Looking to apply for an unsecured credit card with Kotak Mahindra Bank. The last time I tried in 2022, my application got rejected because of "unserviceable pin code" even though my nearest branch is just 5 km away. Here's my situation: * I'm an existing Kotak 811 account...

Hello everyone, I'm a complete newbie to health insurance and I need some help. It's my first time dealing with porting/migration. Background: I opted for the Arogya Sanjeevani plan from Aditya Birla with a 5 lakh SI (Sum Insured) via PhonePe because the premium was cheap. However, I later...

Read more: RBI ombudsman sees 68% rise in complaints in FY23 https://www.livemint.com/news/india/rbi-ombudsman-sees-68-rise-in-complaints-in-fy23/amp-11710176669137.html #jagograhakjago

Dear Members, There is a clause regarding Re-KYC in the comprehensive document on KYC released by RBI that is Master Direction - Know Your Customer (KYC) Direction, 2016 (Updated as on January 04, 2024), in Part V, 38. it states: I found the highlighted clause interesting. Use case: I have...

Dear members, I am putting this here, as I thought most appropriate. Back in April I saw a banner pop up on my HDFC mobile banking app, under ‘pre-approved’ section mentioning lifetime demat AMC free account. Screenshot attached. I maintain a savings max account with HDFC. I tapped it and...

Dear members, Recently I got SBI BPCL rupay credit card as additional card to my 1+ yo Cashback credit card as an offer was going on in app. The card was instantly approved and issued on 19 December, January 4 was the statement date, 23 January was the payment date. I rely on Cred to pay...

With credit limit upto ₹25,000. 🙊 Refer to the screenshot for details.

Dear members, In August, I received a phone call from a Yes Bank rep who told me I have pre-approved LTF Rewards Plus credit card (post realisation of reversible joining fee) and around 2 lakh credit limit. Based on that I gave consent via OTP and card was processed, this call wasn't recorded...

This is from Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 Chapter-II, 6, (a),: vi. Card-issuers shall seek One Time Password (OTP) based consent from the cardholder for activating a credit card, if the same has not been activated by the customer for more...

Dear members, I booked hostels via WB’s youth hostel booking service which is a public/govt. service. However the interface for booking was confusing, i.e., specifically where the dates are put to book the hostels. As you would see in screenshot it asks for ‘booking from’ and ‘booking to’...

Namaskar, As you would know SBI is offering credit limit enhancement and additional Rupay Credit Card to some users on their app, check your SBI Cards app to see if you have. I have SBI Cashback card, and I am being offered SimplySave or BPCL Rupay credit card, all paid. PS: I have a scooter...

Greetings members, As you can see in the headline: I am being offered a LTF Jupiter Edge Visa Federal Bank credit card with 2.8L limit, should I take it based on the value of this card and the mentioned factors? Please consider the following too: I do not have a FedBank CC yet, my obvious...

Dear TFians, 2 weeks ago I visited a ICICI Bank branch where I and my brother have shifted for work to enquire about the famous ICICI Lombard group health insurance policy, for which they said bank account is mandatory. Now I want to open an account for my brother, but his permanant address is...

Check the screenshot below

I have been invested in 12% over a year now with several lakhs balance. Few months ago they reduced their income generation to 11% pa despite maintaining the name. Today I recieved this message on WhatsApp: "*Exciting News: Investment Returns are here!* We're happy to be a part of your...

Dear members, I have been meaning to change my communication address in my bank for which I do not have proof, i.e., newly rented. I want to keep the permanent address unchanged which was added via KYC proof during account opening. I spoke to two banks one PSB and one pvt both said standard...

I received an unrecognised personal loan enquiry on 28th Feb. In March I pursued it with ICICI's customer.care@icicibank.com email. They said they will look into it and it is taking more time than necessary etc. then got cold by May! After that I hadn't the time to pursue until few days ago...