help

Hi everyone, I'm looking to optimize my credit card portfolio. I’m a salaried employee with the following profile: **Profile:** * **Net Monthly Salary:** ₹2.22L * **CIBIL Score:** 778 * **Spending Style:** Low to moderate; prefer LTF or self-sustaining cards. **Current Cards:** 1. **Axis...

Hi, I have a credit card with Axis Bank which had a due of ₹0.9 last month. I tried paying the same through 3rd party apps like navi, cred, innopay but it declined payment stating that "the bank doesn't accept payment less than ₹1". So, I tried paying ₹1 but it was also declined stating that...

Dear every one I got a pnb visa signature credit card on June 2023. After 2 years they charged me a joining fees of Rs.1500 last month. I want to know whether charging the joining fees after two years was legal or illegal because I need to complaint to RBI regarding this issue. Helpme regarding...

Guys help me with understanding cashback. Suppose i want to buy 10000 Amazon gv from hdfc smartbuy with millinea cc How will i get the cashback? By Cashback points? Or something And what is the value of this points? Can i use this against statement ? Or like millinea dc i can send it to bank...

It has been 2 years since i’m not able to apply any CC in IndusInd Bank. Can’t even open bank account on my number. The reason being… before I got my mob. number (8 years back)… It was with some other guy who opened bank acc in IndusInd. But since 8 yrs I own this number and he never really...

I just purchased all plus and noticed that rates got inflated in a minute. Need to experiment, and need a Platinum member, has 2 suite upgrades and doesn't have all plus. Please DM

I have around 1.8L flight booking expense in this week. The doubt I have is I have Amex Plat Travel (second year fees to be levied on 8th August 2025), HDFC Regallia Gold LTF and ICICI saphiro LTF. I have doubt which card I should use? Should I close Amex and use Regallia Gold or pay 5000+GST to...

I have around 1.8L flight booking expense in this week. The doubt I have is I have Amex Plat Travel (second year fees to be levied on 8th August 2025), HDFC Regallia Gold LTF and ICICI saphiro LTF. I have doubt which card I should use? Should I close Amex and use Regallia Gold or pay 5000+GST to...

Hello I am purchasing a ring from candere for my mother is there any card or any other app/offers i can avail to save some money on this. Someone who purchased anything from candere please share your valuable feedback 🙂

Friends, I have Amex Platinum Travel card and Gold charge card. Both these cards have one supplementary card. if buying Amazon Pay GV from Amex rewards multiplier site still worth, it would be a great help any experts here help me in understanding few doubts below .. 1. if I purchase Amazon...

Hi everyone, I run a Govt Meeseva centre and handle around ₹3–4 lakh per month in utility bill payments (electricity, water, etc.) on behalf of customers. Here’s what I’m currently doing: ✅ SBI Cashback Card – I buy Amazon Pay gift vouchers (GVs) and pay bills via Amazon Pay. After...

I already hold hdfc tata neu and applied for LTF Swiggy card through my alternate member (I do not have any other relationship with HDFC). The application got rejected and on escalation i was told that , the application got rejected because there was a mobile number mismatch. I was sent a self...

Hi all, between myself and my wife, we have around 1.6L MR points. We are planning a trip next year (July) in SEA probably Indonesia or Vietnam. I know Marriot is my best option, but 90% of Marriot properties shows unavailable when I select 4 people (2 adult+2 child). Also, Indonesia being...

Hi TF Members, I wanted to share an ongoing issue with ICICI Bank regarding a mis-selling experience and request your inputs on how to proceed further. --- 🔹 Background: Earlier this month, I was offered an ICICI Rubyx Credit Card as Lifetime Free (LTF) by a bank representative...

Okay. What a nightmare it has been. This has to be one of the worst bank out there. The infrastructure they got is pure garbage. I have been trying to get hold of Exclusive debit card with 0 MAB. I decided to jump the hoops to get it via Pinnacle card. Tons of issues. The app feels like its...

I recently faced an issue with a pre-approved HDFC credit card offer and need some clarity on how to get it re-evaluated. My Relationship Manager informed me over call that I had pre-approved offers for the Freedom, Swiggy, and IndianOil credit cards. He said a token had already been generated...

Hi guys I am looking to purchase a new smartphone during the upcoming Prime day sale. Budget is around 25k. Can you please suggest me a good smartphone in this range? Personally don't prefer Oppo, Vivo, Xiaomi, iQOO. Thank you

Hello All, I am quite new to this forum, but I really started loving this community. It's so helpful. I need help regarding payment gateways. Actually, I have signed up with Phonepay and Razorpay to integrate them with my astrology website, where People can book services. I haven't...

Hi All, credit card noob here. I was not well versed with the benefits of optimally using credit cards for spends till last year. I was informed about this awesome community through reddit. Since then, i am trying to educate myself but still have miles to go. I had applied for Amex Plat Travel...

Hello All I need urgent help and suggestions. I renewed my parents health insurance policy for about 60k in Amazon on 7th of May 2025. Next day itself i got an email saying policy is renewed and policy certificate is issued But today I got an email saying premium is not realized at thier end...