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If you pay your credit card bill before the statement is generated, it won't directly increase your CIBIL score. However, it's still a good practice as it helps keep your credit utilization ratio low, which is an important factor in maintaining a healthy credit score.

41 inquiries in 1 year and 5 months is quite high! Some banks, such as Federal, have strict conditions stating there shouldn't be more than 2 inquiries within the past 3 or 6 months. However, most other banks may approve applications if the individual has a stable income source and maintains a...

Starts around 25k per person.

I’d recommend using someone else’s card instead. Using 100% of your credit limit can temporarily lower your CIBIL score. It may also affect your chances of a limit increase from ICICI, as they could see you as a risky borrower. It's not worth the hassle with so many potential complications. If...

What is your score now? Check you CIBIL score too, you posted screenshot of Experian.

Check how old your Tata Neu credit card is. HDFC usually has a cooling-off period of 6 months for applying for new cards. Sometimes, it could just be 3 months, but applying within this period often leads to rejection. As for the bank's help desk, they're not always very helpful, they might give...

If you have not yet obtained a card, you may consider opting for the Kiwi Yes Bank Card.

Earn an Extra 1% BluChips on Swiggy Orders! Bonus Perks: Enjoy a 3-month free Swiggy One membership when you link your account How to Link Your Indigo BluChips Account: 👉 Open the Swiggy App. 👉 Navigate to Account. 👉 Select Partner Rewards. 👉 Enter your 9-digit Indigo BluChips Membership...

Yes

These days every bank has to update it every 15days.

😂 😂

Thats unusual contact costumer care.

Retain these cards if they are lifetime free. As the HDFC Millennia is a core card, it is advisable to keep it, as it may offer benefits for future card upgrades from HDFC. Additionally, the ICICI RuPay card is worth keeping for an instant 10% discount during sales.

For such a substantial amount, most credit cards are unlikely to offer rewards and may even impose additional charges. HDFC Biz Black Credit Card - Upto 16.67% Reward Points - Minimum spends required Rs. 50,000 to earn 5X; Maximum 7500 5X Reward Points Per Month. Axis Primus Credit Card - 5%...

Price?

Not sure about Tata Play recharge

Last month, I watched a video on the "Spend Wisely" YouTube channel, which claimed that users could receive a 10% cashback on Jio recharges. I decided to test this claim in February 2025 and can confirm that I indeed received a 10% cashback on my Jio recharge.

It is showing in my Airtel app, and I have also checked my father's account and it is showing there too. Additionally, I already possess that card.

Previously, I used the TATA NEU Plus card, where cashback was credited as Neu Coins after statement generation. The KIWI card provides instant cashback, which is credited directly to the bank account, and its reward rate is higher than that of the Neu Plus card. Therefore, the KIWI card is...