advice

I got my Standard Chartered Smart Credit Card on April 16, 2025. One of its features is that for the first 90 days, you can pay just the minimum amount due without incurring interest. I followed this and paid the minimum amount for the first statement. In June, I requested to change my billing...

I have 21 credit cards and the total limit is now 75L. I've decided to close a few to reduce leverage because some banks don't seem to be willing to give cards if someone has too much credit limit. The cards I intend to close are: 1.BOB Onecard: good limit, but pretty useless now 2. RBL world...

Hi everyone, I'm posting here to seek help and guidance regarding a serious mis-selling issue I faced with ICICI Bank related to their Adani One Signature Credit Card. Here’s what happened: On 20th Feb 2025, I received a call from ICICI (from number 022 6904 1078) offering me an upgrade...

Hey folks, I’m currently evaluating my credit card portfolio and looking to either add a new card or remove one or two that are redundant or underperforming. I’d really appreciate any feedback or suggestions based on the cards I already have and my usage patterns. Here’s my current lineup...

Hey everyone, I'm in a really frustrating situation with Amazon India and could use some advice from the community. On July 14, 2025, I received an iPad M3 Air that I ordered from Amazon. My order was specifically for the 13-inch, 256 GB model with 5G Cellular + Wi-Fi. However, upon opening...

Can you please review my portfolio. Intent is to maximize rewards. Axis Atlas - 7.5L target reached. Should I aggressively use it now? Will I get renewal fee wave off at some target? I still use this for flight and hotel bookings. Amex travel - 4L target reached. I don't find much value...

Hello, I am interested in applying for the Axis Bank Supermoney Pro Credit Card, but I am unable to clearly understand which variant is actually being approved in my case. Here are my details for reference: CIBIL Score: 775 Experian Score: 795 Existing Credit Cards: I already hold and use 4...

I have 6k super coin to use within 15 days. I think I will purchase some amount of gold using 5% super coin discount offer in vip account. (1:1 value for sc), which I need although, if I get at good price. Else other options only gives me bellow 1sc =0.25 rs. Returns. Queries. 1. Is it safe to...

Hey everyone, I had an Airtel number which I took around 12 years ago, but I stopped using it after 2016. Recently, I tried calling the number and got a message saying "number doesn't exist" — so I’m guessing it hasn’t been reassigned to anyone yet. The thing is, this number is really...

Funds Vanished! Now ₹51001 Stuck in IndusInd Bank UPI Transactions - Help a Frustrated Redditor Out! Hey everyone, I'm in a bit of a nightmare situation here and hoping the Reddit community can lend some wisdom or shared experiences. I'm currently missing a whopping ₹51001 after multiple UPI...

Hi All, Please recommend a car within a budget of 30L? Cheers!

Hi everyone, I’ve ended up with quite a few credit cards over time and want to streamline my wallet. Here’s my current portfolio, along with their annual fees: BankCard NameNetworkTierFees (₹/year) AxisMagnus BurgundyMasterCardWorld0 / till I have burgundy statusHighly Used ICICIEmerald...

Hello, I want to create an FD of around, say 1L (quarterly interest). Looked up the SFBs (insured ones). Has anyone here created FD with these Small Finance banks? How's your experience? I know they're insured upto 5L but the collapse of a bank takes months, what's your view on it? I've found...

Hi need advice on issue with myntra. So in last year June, there was EORS offer where you can get airpods free on purchase of 50K worth during offer period https://www.myntra.com/tac#offer2005. Bought gold coin worth 52K during the offer period. Then during August, when offer was supposed to be...

Hey everyone, I’m hoping to get some input on my current credit card lineup. I’ve been thinking it might be time to clean things up a bit—maybe close a few cards, make some changes, or even add something new that I’m missing. Here’s a quick rundown of what I have right now: Typical Monthly...

Hi everyone, I’m seeking your help on a credit card issue I’m facing with Axis Bank. I opened an Axis Bank savings account in September 2024 and applied for the Axis Ace credit card on 10th November 2024. Unfortunately, my application was declined, and despite multiple follow-ups, I never...

Hello, I am planning to take a personal loan of 175K IR. I am having an offer from HDFC at RoI of 13.2 % p.a. (1.1% pm) provided ZERO processing fee and other charges. Also, I do have CCs from Axis, ICICI and HSBC. Is there any public / private bank which offers lower interest rate. My CIBIL...

I am getting ICICI Emralde Credit Card for upgrade with a joining feed for 12000. Is worth it. ??. I am also getting Axis Atlas Pre approved too. ? What i should do. ?

Hi all! I'm currently deciding between the Yes Kiwi Credit Card (which I already have) and the Axis Super.Money Pro (which is showing as an option). I need to retain only one. I'm personally leaning toward the Super.Money Pro card since it isn’t tied to any additional subscriptions—unlike the...

Hi Everyone, I’m a digital nomad currently working remotely for a European company. Previously, I was based in Singapore and Dubai, and now I’ve transitioned into a fully remote role. I’m exploring the feasibility of a setup to maintain my NRI status and fulfill upcoming RE-KYC requirements...