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Correct. Fees can be charged only if the card is activated. If statement gets generated somehow (stmt date is within 30 day period) and joining fees is charged, you can simply mail their PNO and deny payment by saying that you won't be activating the card and would let the the credit account to...

as per RBI rules, if you do not activate the card within 30 days, it will get closed automatically you can wait for the retention team to reach out to you or call them by yourself and talk them out of either: 1. making the card LTF 2. convert it to Legend (LTF) 3. revert the upgradation and...

if you don't have any ICICI card, then get it as its ltf and will give you 1 railway lounge access (along with occasional bank specific offers) reward structure is quite bad and so, I would suggest you dont use it as primary cc-upi and get tataneu cc's and use them as primary cc-upi as the...

ICICI adds max 3 credit accounts in cibil 1 - apay 1 - mmt (plat/signature) 1 - all core/gemstone So, sapphiro+rubyx+coral+platinum will be shown as single account in cibil (i.e. 7.5L) so, if you have apay+mmt+gemstone card, then what you said would be true but if only gemstones are present...

I don't think its a very big (huge) issue as everything is white... Tax would anyway be max 30% of the earning (which in this case is cashback).. So, even if he earned 1L as CB (it would be much more in actual), he would need to pay 30k as tax. If the officer is unhappy, he may issue fine of...

Even if ITD/ED comes to you with a notice, you can easily show proofs about your transactions and pay tax on it (consult CA), you won't go to jail as everything is online i.e. transactions are in white. Hope you are 18+ or else, you dad will have to bear the burden of Notices (you being minor)...

@Lobogris I hope you haven't set topic name so that people get triggered and make them reply so that you can gain post numbers and reaction scores :p So First thing, change the topic name to "Why people use UPI on POS machines", this won't trigger half the people and would save similar replies...

depends on ltf status as well....

wrap[]cart is the only 1 I know of (ignore brackets) haven't tried their skins though I think it was on someone's profile post

Mostly, when card is stolen/lost, banks provide new cards with a different number.. if you request for re-issue (due to damage/expiry), same card number is carried forward... but this depends from bank to bank

I think you replied without even understanding what he meant to ask :ROFLMAO: Vo puuch raha hai ki Bank kaise hamari jagah khud paise dene mai saksham hai... First thing first, the limit is set per month. If you have 5L limit, you can spend 5L in each month as well Risks are involved. They...

Google's your best friend (it would explain better) In short, Rupay has partnered with these companies for International transactions which is why the logo... so when you see any of those in foreign country, you know that your Rupay card should work there (if intl transactions are enabled)

Send a mail and ask HDFC how much you need to pay if EMI gets converted after stmt generation.. this way you have proof in case you get charged interest in future There is a similar thread, please try finding it (I dont know the title, but read something similar 1 week back)

depends on bank HDFC has been changing network since long over phone call... ICICI requires some escalations but they do it as well

PZ doesn't charge while loading wallet afaik have you tried it personally, or are you just applying paytm/mobikwik logic on PZ without checking ?

if it was fraudulent, then why pay replacement fees ? if you didn't share OTP, and you can provide that the transaction was not done by you, then you should not be liable to pay for replacement fees While having Citi Debit card, something similar happened and I told them that its bank's fault...

banks generally give 3/4 yr validity on cards issued for the first time (irrespective of prior relationship) Replacements have longer validity HDFC and ICICI both gave initial cards with 3 years and on replacement, gave validity of 7 yrs

Maybe this is true but what I deduced from it was: they suggest each card/variant to be on atleast 2 networks (which most of cards already do) But then cards like DCP and DCB would fail, which makes me think that what you said could also be true.. But with this, banks would still manipulate...

couldn't he complain to NPCI/RBI ?

@Abhishek012 Found this PDF of HDFC Millennia CC which mentions Rupay variant as well: https://www.hdfcbank.com/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/ef2bb403-39aa-46ae-aa45-bcd1ac8a538b?