experience

I recently contacted the PNB customer team via email to convert my existing credit card to an EMT RuPay variant. They responded after some time, asking for my address to deliver the new card. Today, I noticed the EMT RuPay card has been added to my account as an additional card rather than...

I had a not so good experience with raising a chargeback request for a Smartbuy transaction I did on my Infinia card. In Dec'24, I had booked a 2-day stay with Azaya Beach Resort Goa using my HDFC Infinia card through Smartbuy. The partner was Cleartrip who in turn (as I found out from the...

Tata Neu 1.0 I have been using Tata neu since the launch date of April 7th 2022 and have been loyal to them by using all their apps for my grocery n medicene n travel n electronics . I have earned the Tata neu coins for all my purchases and continued using the buggy Tata neu app hoping that it...

Last week, I was all set to take my Tata Altroz out for a drive. I got into the car and pressed the start button - but nothing happened. Instead of the engine starting, I just heard a few knocking sounds from the engine area. It was clear something was wrong 😟. I called Tata Motors' emergency...

Hello TFCians, Recently I was on my way to Udaipur from Bengaluru and got direct flight scheduled from Bengaluru. I have travelled from Nellore to Bengaluru (By road in my new Harrier). As my flight is scheduled early in the morning I chose Taj Bangalore (Taj Bengaluru Airport Hotel). Some...

Lately I'm observing UPI sometimes can go bonkers. I'm talking about cases where money is debited from bank account but will remain pending. I primarily use gpay but seen this across apps. For example.. Today early morning, I paid Uber auto via gpay at ~3 AM. Money debited but transaction...

Hi everyone, I want to share my experience with CIBIL and Experian credit bureaus. Around two months ago, I raised disputes with both CIBIL and Experian to get some credit inquiries removed from my credit report — 4 with CIBIL and 2 with Experian. Out of the 4 CIBIL inquiries: 2 were closed...

Hello Everyone, I booked a flight for TravelXp on 7th March for 14th March travel date. Now , after my payment was done through my card, I received a email of transaction failure, Upon checking it and reconfirming it immediately from their website which didn't load at that moment. I proceeded to...

Hi guys! Just like every day, I sat down to check my CIBIL and Experian credit reports. But today, I was in for a surprise! Experian has discontinued its free daily credit report download feature. Now, if you want to check and download your report, you must subscribe to their premium...

Hey TFians , Since i recieved the Taj 10k voucher for the 4L Amex PT milestone, been wanting to do a Taj stay . With a newborn tagging along, and an International trip being planned in Nov of this year, felt like this would be a good chance to get experienced in all aspects : Points redemption...

Superb experience at the Travel Club Lounge located at 2nd Floor, opposite Gate C. Let's drill to the experience, Opened in Dec,2024 and largely devalued in Feb,2025 w.r.t. to cards acceptance but still many cards work and the lounge was almost going with 90% capacity already. They are trying...

My Experience with ICICI Bank Over the past few years, I’ve had multiple interactions with ICICI Bank, including their branches, staff, and customer care. Despite being the largest private bank in India, I’ve found their processes, standards, and policies to be inconsistent and sometimes...

Exciting news for IDFC FIRST Bank Debit cardholders! The bank has revamped its rewards experience, moving it to the IDFC FIRST Mobile Banking App ONLY option. Now, you can redeem your reward points with a refreshed interface and new redemption options. Screenshot Attached below! 🔹 How to...

Hi Guys, Over time, many banks have evolved, and several new players have entered the market. Finding the best bank in terms of customer service, wealth management, IT infrastructure, branch network, and more is becoming increasingly difficult. While I share my experience here, I’d love to...

Hey everyone, I had a strange and questionable experience today at a semi-urban Canara Bank branch, and I think it's important to share. I’d also love to hear your opinions. I visited the branch to inquire about their unsecured credit cards, and the branch manager himself handled my request...

Recently I got ICICI Times Black card and even my first bill is generated. Although there is no final clarity on rewards points, iShop etc.. I still ordered the card and hefty fees and I have no issues here. However Customer care and support seems to be a major issue. My Mobile App is not...

Hey TFCians, Did you know you can get a tax refund on an iPhone purchase? Generally, Apple Stores worldwide don’t participate in tax refund schemes. However, in some countries, you can find authorized resellers that do. Last year, I visited Japan and purchased two iPhones (for personal/family...

So I had mailed grievance redressal and they contacted me via a sales manager. I have provided them with the 3 documents. 1 cc form blue in colour, 1 floater form, and 1 choice of card form. I had a few questions about the process: What did you need to provide? What is the usual timeline for...

So, I have been using SC Smart CC for a quite time now. But, Today when I was trying to use the card, transactions were getting failed and it was asking me to connect with the Customer Care on the given numbers. Initially I thought it was some temporary glitch, but it continued for the next 3...