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Yes, but bank executives often try to avoid doing this. My recommendation would be to apply for any other HDFC CC, and once you receive an unsecured CC, you can go ahead and close the secured one. ✌️

You have a good credit score! try applying for the SBI Cashback CC. Right now, they’re offering it without requiring any income proof. You can also consider HDFC and Axis Bank credit cards, as their approval rates are quite high. If your credit card application gets declined, don’t...

It looks like Lucknow Vidyapeeth has a non-refundable registration fee policy. Here’s what you can do next: 1. Check Their Refund Policy – Carefully review their official terms and conditions regarding refunds. Based on the information available, their registration, study material, and...

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I’d recommend paying the TAD before its due date. HDFC will adjust the extra amount in your next billing cycle seamlessly! 🤗 Make sure you provide all necessary evidence supporting your accusations to HDFC CC Customer Service Team. 🙄

Considering your spending, my suggestion would be: Tata Neu Infinity RuPay CC(for Offline spends via UPI & Lounge Access) SBI Cashback CC(for Regular Online Spends) any one Core HDFC/Axis/Axis Lifetime Free CC or basic SBI CC(specifically for BBD & GIF sale) 🤗

First, make sure you read the bank's policies (T&Cs) carefully to understand where you stand - because those T&Cs are the bank's ultimate Brahmastra, capable of effortlessly wiping out every single complaint you might raise. 🫣

Cons of the LIC Jeevan Umang plan: Low Returns: The returns are around 5.64%, which is lower than other investment options. GST: Policy Holder have to pay GST on LIC premiums, reducing your returns. Reduced Tax Benefits Under the New Tax Regime: Starting from the current financial year, tax...

750+ Read Properly, My CIBIL score didn’t drop after the sale; it was my credit utilization that decreased as I started paying the EMI one by one. 😉 I have already posted the screenshot of my CIBIL history, showing the timeline from just after the Big Billion Days sale to the most recent update.🤗

During the last BBD sale, I bought a smartphone for my neighbor on a 9-month EMI plan plus my regular spends, thus utilizing 67% of my credit limit. Since then, I've been consistently paying the EMI a week before the due date. Also, in the last 3 months, there have been zero hard inquiries in my...

Currently, SBI is issuing the SBI Cashback Credit Card (Joining & Renewal Fees: ₹999 + GST) without requiring any income proof documents. You may consider applying for this card, or alternatively, explore LTF CCs like Axis Neo, Axis MyZone, ICICI Coral, or Amazon ICICI (which is very difficult...

If Someone earn less than ₹8 lakh a year, the tax benefits from investing in the NPS might make sense this year. But with the recent budget changes, the new tax regime now has higher income slabs with lower tax rates—like no tax up to 12 lakh and doesn’t allow deductions like the ₹50,000 NPS...

Under the old tax regime, your taxable income can be reduced significantly by leveraging deductions for investments in PPF, NPS, and insurance premiums. Here's the calculation: ■ Gross Salary: ₹19,29,000. ■ Standard Deduction: ₹50,000. Taxable Income: ₹19,29,000 - ₹50,000 = ₹18,79,000. ■...

The calculations below are indicative and assume no additional exemptions, deductions, or investments beyond the standard deduction of ₹75,000. Final tax liability may vary depending on factors such as eligible deductions (like HRA, Section 80C, 80D, etc.), exemptions, or other personal...

If I were in your shoes, here's what I’d consider doing: First, I’d deposit ₹15 lakhs into the Senior Citizen Savings Scheme in my mother's name to ensure a stable return. Then, I’d invest ₹5 lakhs across Gold, Debt Mutual Funds, and Fixed Deposits in Small Finance Banks for diversification and...

Make sure to reactivate that mobile number, as no details can be updated for a newly issued credit card or bank account during the first six months. Also, keep in mind that if you don’t activate your credit card within 30 days of issuance, it will automatically be closed as per RBI guidelines. 🫣

To fix this, update your PAN by either adding a surname as your last name or splitting your first name into two parts. Just make sure your updated PAN includes both a first and last name. I know someone who faced a similar issue, and it got resolved by adding a last name to their PAN and...

In layman's terms, a credit line is like a 'pay later' option for your UPI transactions. It allows you to make purchases or payments using UPI even if you don't have sufficient funds in your bank account at the moment.The credit provider extends you a temporary loan or credit limit, which you...

Before making your final decision, Consider exploring new age EVs like Bajaj Chetak 🛵 ♻️