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Kya hoga us bechare ka jo Bangkok me massage kara rha hoga aur Scapia dhoka de diya hoga? 😝Now new applications are stopped. App is in glitch mode. Imagine those abroad trying to use this card.
Jo kra liya, ab o Thai Massage dega.😆Kya hoga us bechare ka jo Bangkok me massage kara rha hoga aur Scapia dhoka de diya hoga? 😝
don't worry bro ye 0% forex v hata denge scapia se bina inform kie kuch months me jab log use karne lagenge tab.I have axis with 10L, Citi with 16L and hdfc 7L. Why should I reapply from this useless bank? I had applied only for zero forex since I travel. Meaning less now!
Your transaction is declined. 😰Kya hoga us bechare ka jo Bangkok me massage kara rha hoga aur Scapia dhoka de diya hoga? 😝
pahle unko (inke piya) ne dhoka diaKya hoga us bechare ka jo Bangkok me massage kara rha hoga aur Scapia dhoka de diya hoga? 😝
Thats one way to look at it.People are crying over something that is not feasible.
If the creditor has given you the limit in lakhs, and your utilization is not even in thousands, then why cry?
The credit must translate into revenue for the lender, but these people were keeping it as a treasure 😀, just for viewing.😜
Baat wahi hai ki, ek bandook hai, par chalti nahi, kyun, kyunki chalane aati nahi, to liya kyun?
The worst notion these so-called neo-banks are having is that they can disrupt traditional banking.Before - zero
Now - zero
Saw this thread a week back. Just a few minutes earlier than my plan to apply for Scapia. Escaped just in time.
Main stream Bank CCs are any day better n dependable in a foriegn land.
Bingo, when the investor's money is gone.don't worry bro ye 0% forex v hata denge scapia se bina inform kie kuch months me jab log use karne lagenge tab.
Ye ninja technique hai new user ko on boarding karne ka. (0% forex, Unlimited lounge, highest credit limit from Cibil)
1. highest credit limit --> lowest credit limit
2. 0% forex --> 1-3% forex (upcoming months)
3. Unlimited lounge --> Limited lounge access or spend criteria will increase from 5k (in future)
yahaan icici aur v bank lounge access limit kar rahe ya spend criteria increase kar rahe, iss dukh ke time me scapia offer lekar aaya unlimited lounge
(scapia be like: pahle hum aapko laalach dekar card chipkaayenge phir apna saara USP and features modify karke aapke expectations aur G douno pe laat maarenge)
The sanctioned limit should correspond to one's credit profile. If it is inflated, it is worrisome, even for the lender.Thats one way to look at it.
what if someone is planning international trip in upcoming months? This card itself has been promoted as travel card, doesn't seem to have features for "daily driver".
Not everyone would had travel internationally immediately after getting this card.
Mine limit is also reduced but still decent(relative) -> 1.4L and thats ok for me but for people who have received limit of 20K wont be even able to use this card now.
To increase limit, you need to spend on this card and to be able to spend you need to have some limit.
They gave atrociously high limits to everyone and now have reduced like anything for a lot.
Atleast the folks who got card in last 2 months around should had been given more window, which doesnt seem to be case from social media
I got from idfc firstThe sanctioned limit should correspond to one's credit profile. If it is inflated, it is worrisome, even for the lender.
And, I have sympathy for those, who deserve, but not for them, who just like to flaunt.
And, I believe the traditional banks would not easily sanction that much credit limit. Tell me were you given a credit limit like 10 lakh from any bank, just in one go?
Agreed, just on a CIBIL basis like Scapia?I got from idfc first
Investor's money doesn't go in a credit line. They are spent on customer acquisition in the form of cashback, rewards, etc.What? Ye toh suna tha ki bank pe Paisa rakhne se bank usko loan pe other customer ko de deti hai.
Ye bhi suna tha ki investor paise start-up pe lagate hai for app development,and other spending.
Ye pahli bar suna hai ki investor ka Paisa ko credit card mein bharke diya jhaa raha hai? Ye kaise possible hai? Ye toh BNPL wali baat ho gayi na? Card pe paise NBFC load karti hai ab ulta ho gaya kya? Ab investor card pe Paisa load karke de raha hai kya?
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This is Scapia's fault only. They gave such high limits themselves. I did not ask them, nor was it C2C.They marketed as limited access type card which needs high cibil score and stringent checks. They themselves inflated my (and others) credit profile.The sanctioned limit should correspond to one's credit profile. If it is inflated, it is worrisome, even for the lender"
Totally agree! Thats my only concern.And, I have sympathy for those, who deserve, but not for them, who just like to flaunt.
First, they gave inflated limits without due diligence, then reported credit as a personal loan, and now this.This is Scapia's fault only. They gave such high limits themselves. I did not ask them, nor was it C2C.They marketed as limited access type card which needs high cibil score and stringent checks. They themselves inflated my (and others) credit profile.
Even if people took advantage of high limit, its again on Scapia only.
Totally agree! Thats my only concern.
It's was pre-approvedAgreed, just on a CIBIL basis like Scapia?
First, they gave inflated limits without due diligence, then reported credit as a personal loan, and now this.
Basically, they f everyone.
It's a good lesson: to stay away from these neo-banks.