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Feedback on SaveSage Club
- Thread starter ashishlath
- Start date
- Replies 96
- Views 7K
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- Tags
- credit card loyalty
shu_sha_
TF Legend
Aagaya commander itna bhi mushkil nahi tha 🤣🤣🤣
@ashishlath Hey buddy, you have built a great app with lot of potential to improve and grow.
I just installed this app 2 days back.
Some feedback:
In the spend analyser, some spends are categorized as Others. whereas it is actually insurance or fuel etc. Can we manually edit the category?
In UPI spends, self transfer is also shown as UPI expense. And it is skewing the total amounts. Can we skip self transfer somehow? (or again, modify/remove manually)
I just installed this app 2 days back.
Some feedback:
In the spend analyser, some spends are categorized as Others. whereas it is actually insurance or fuel etc. Can we manually edit the category?
In UPI spends, self transfer is also shown as UPI expense. And it is skewing the total amounts. Can we skip self transfer somehow? (or again, modify/remove manually)
3. We are at par with CRED in tracking, maybe at 95% accuracy of Cred
4. We don't ask for PAN or any other info
Not in near future. This is needed from a fraud and risk mitigation perspective
Hopefully, very soon
we charge a fee to recover the pG charges for Visa/ Mastercard DC. We make zero margin there.
Thanks for the feedback. This is WIP
reply on my dm please
Please check dm @ashishlath
@ashishlath The SaveSage app does not display the Bharat Connect (BBPS) transaction ID for any credit card bill payment transactions. Kindly consider showing the transaction ID so that users can track or dispute the payment in case it is unsuccessful or not credited to the card account.
sibieeee
TF Buzz
@ashishlath Hey buddy great app. Kindly note that Rupay debit card with bin 817507 shows that the selected card is invalid for CC bill payment. This card was issued by SBI.
81 to 82 series k BIN add nahi kiya hoga. 🤣🤣
RuPay BIN 81 to 82 series -
8172000000-8198999999
8199000000-8201999999
Half Human
TF Ace
@ashishlath My honest opinion.
I have been using savesage for quite sometime and have paid a lot as PG charges. Before vomiting honesty, I need to say - Good work.
However, I have noted these much things, which may or may not be of concern:
1. The ecosystem is based on CC users and tweaked MCC. This will become an issue, considering the AX IS pathway of INVOICES and CLAWING back RP. To put things into context -
a) Paying utilities at 2.5% using an AX card might initially rewards ER/EM. Once the team start dissecting the mCC and the use, they will come asking for invoices, and will start creating problems. This is not just for your app. Another popular MEGA site will also come under scrutiny. (There is a common link between this MEGA site and SAGE app, which I will get to)
b) Once IDFC goes AX IS way - they will question RP on FT DC ( I know SAGE would not be the only app which would be suffocated).
2. The CC spending tracking has been incorrectly categorized many a time - which is okay, as it wont cause any monetary concern.
3. The recent introduction of Gift Cards - Good move. But you know the issue is competition. Frankly the Mega site and now even Cred has better discounted rates (with the recent MEGA Hack on the MEGA site). So I request/suggest working on the discounts. If that works good for your P&L, then it will be really appreciated by the community.
4. Tweaking MCC will not last forever, as its crystal clear AX IS gives payback in due time, and once the books of other banks starts to get stressed, many might follow this. This will affect both the app and more than that, the end users.
Now regarding the common link which I want to mention from point 1. (This is more of farming and pesticides)
Some specific twitter handles, some so called CC EVANGELISTS, are promoting your app along with the MEGA hack. The feeling on seeing this FARMING is not something that can be interpreted positive in the limelight. Associating with people are not bad tbh, but it did not look ethically good. Thats all - NO CRITICISM.
I believe all guys involved know that these posts not only grab the attention of public, but also BANK executives. And lets not forget the recent Eazydiner issue. (Though not an Apple to Apple comparison).
I agree - Features needs to be Featured. But hacks should not. Then there will be none left.
Funny thing - Day 10 of exposing of IYKYK hacks by an X handle featured your app. As another handle had famously quoted - If a BUG appears again and again, then it is not a bug BUT A FEATURE. (Looking at this handle, one could wonder who the OG guy is).
THESE THINGS ARE STRICTLY PERSONAL.
Important Thing - No hate, ONLY OBSERVATIONS.
If it offends anyone, lemme know, I will delete.
I have been using savesage for quite sometime and have paid a lot as PG charges. Before vomiting honesty, I need to say - Good work.
However, I have noted these much things, which may or may not be of concern:
1. The ecosystem is based on CC users and tweaked MCC. This will become an issue, considering the AX IS pathway of INVOICES and CLAWING back RP. To put things into context -
a) Paying utilities at 2.5% using an AX card might initially rewards ER/EM. Once the team start dissecting the mCC and the use, they will come asking for invoices, and will start creating problems. This is not just for your app. Another popular MEGA site will also come under scrutiny. (There is a common link between this MEGA site and SAGE app, which I will get to)
b) Once IDFC goes AX IS way - they will question RP on FT DC ( I know SAGE would not be the only app which would be suffocated).
2. The CC spending tracking has been incorrectly categorized many a time - which is okay, as it wont cause any monetary concern.
3. The recent introduction of Gift Cards - Good move. But you know the issue is competition. Frankly the Mega site and now even Cred has better discounted rates (with the recent MEGA Hack on the MEGA site). So I request/suggest working on the discounts. If that works good for your P&L, then it will be really appreciated by the community.
4. Tweaking MCC will not last forever, as its crystal clear AX IS gives payback in due time, and once the books of other banks starts to get stressed, many might follow this. This will affect both the app and more than that, the end users.
Now regarding the common link which I want to mention from point 1. (This is more of farming and pesticides)
Some specific twitter handles, some so called CC EVANGELISTS, are promoting your app along with the MEGA hack. The feeling on seeing this FARMING is not something that can be interpreted positive in the limelight. Associating with people are not bad tbh, but it did not look ethically good. Thats all - NO CRITICISM.
I believe all guys involved know that these posts not only grab the attention of public, but also BANK executives. And lets not forget the recent Eazydiner issue. (Though not an Apple to Apple comparison).
I agree - Features needs to be Featured. But hacks should not. Then there will be none left.
Funny thing - Day 10 of exposing of IYKYK hacks by an X handle featured your app. As another handle had famously quoted - If a BUG appears again and again, then it is not a bug BUT A FEATURE. (Looking at this handle, one could wonder who the OG guy is).
THESE THINGS ARE STRICTLY PERSONAL.
Important Thing - No hate, ONLY OBSERVATIONS.
If it offends anyone, lemme know, I will delete.
Feedback! Need some improvement on txn tracking.
I have recently installed the app.
@ashishlath
l saw a peculiar thing in the savesage app yesterday.
1. My first ever txn got successful and credited to credit card account without any issue.
2. My 2nd txn went into pending state for few minutes. Then it was showing failed for quite sometime. Also received a notification displaying as failed, twice. To cross verify, I checked credit card account, it was also not credited there. I received deduction msg from the bank as usual.
3. After the notifications that previous txn has been failed, I did another txn after raising a query in the app asking where it gonna get credited to targeted credit card or to be refunded to the bank. Next (3rd) txn was successful.
4. Later after around 30-40 minutes of the 2nd txn (and immediately after completion of 3rd txn), I received the successful msg/notification for the earlier failed (2nd) txn. This time amount got credited to the credit card (biller).
Please look into such matters to gain more trust. The app is otherwise good, simple and straightforward.
I have recently installed the app.
@ashishlath
l saw a peculiar thing in the savesage app yesterday.
1. My first ever txn got successful and credited to credit card account without any issue.
2. My 2nd txn went into pending state for few minutes. Then it was showing failed for quite sometime. Also received a notification displaying as failed, twice. To cross verify, I checked credit card account, it was also not credited there. I received deduction msg from the bank as usual.
3. After the notifications that previous txn has been failed, I did another txn after raising a query in the app asking where it gonna get credited to targeted credit card or to be refunded to the bank. Next (3rd) txn was successful.
4. Later after around 30-40 minutes of the 2nd txn (and immediately after completion of 3rd txn), I received the successful msg/notification for the earlier failed (2nd) txn. This time amount got credited to the credit card (biller).
Please look into such matters to gain more trust. The app is otherwise good, simple and straightforward.
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