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Well, it depends! For those who struggle with financial discipline, they might seem more like a bane. But for the financially savvy, they can be a real boon! Just like any other modern invention, whether it's the internet or smartphones, credit cards can significantly enhance your life if used...

If Investment Tenure is Equal to or More than 8 years : Mutual Funds, ETFs & Smallcase Less than 8 years : FD in Small Finance Banks, SCSS, Post Office Deposit Schemes Less than 2 or 1 years : FD in your Primary Bank Note: Invest in direct stocks only if you have proper knowledge and...

Fixed Deposit Savings A/C with Auto Sweep Facility

I've used these strategies in the past to get pre-approved for an HDFC credit card, but I can't guarantee they'll still work. One approach was to open an HDFC savings account, maintain a daily average balance of ₹30,000, and make frequent transactions of ₹1,000 or more. Another option might be...

Axis Bank is currently offering lifetime free Axis Neo and MyZone credit cards. I recommend considering the MyZone RuPay Lifetime Free card as it provides more flexibility for both online and offline transactions. Once you have this lifetime free card, you can close your existing credit card...

Your credit utilization will be calculated on the overall limit of ₹180000 in your CIBIL report, but you can't spend more than ₹90,000 using both credit cards, or the bank will impose over-limit charges if you do. 🫣

As per my understanding, Early adopters of an existing innovation in a region where it's previously unknown are often seen as the first to bring it there. 😉

SBI did it First 🫣

Currently Axis is offering MyZone RuPay CC as LTF CC but you should first try negotiating with HDFC Bank, to provide Tata Neu CC as LTF CC. 🤗

I recommend closing the Pay Later account, as I've done so myself previously because my primary objective of getting a LTF CC without any income proof was accomplished. While this might slightly impact your CIBIL score temporarily, it should normalize within two to three months if you follow...

Valid till March 31, 2025

Doesn't exist now 😒

₹249

I Know 😭 At present you can prepay your HDFC CC Bill via Payzapp, HDFC Mobile banking app & Netbanking as far as I know. 🙄

To Do: Start tracking your spending. Evaluate your expenses every month and try to save as much as possible by compromising on some wants without hampering your needs. Use those savings to experience new things as much as possible. Invest some time in learning personal finance without cutting...

If you haven't had any loans or credit cards before, your credit score should be zero. 🤔 If your CIBIL score is actually around 300, don't worry! You can apply for an FD-backed secured credit card, such as IDFC Secured, Tata Neu Secured CC, OneCard, Super Money CC etc. 🙃

Both SBI(PSU) + HDFC(Private)

Yupp 👍, I think so 😅 BTW I want to know your POV on choosing Oppo Reno 13 against its peers like Oneplus 13R & IQOO 12. 🫣

For HDFC CCs, use Payzapp 👍 Currently, third-party apps like Cred, MobiKwik, etc., are not functioning for paying extra amounts on credit cards beyond the billed amount (TAD). 😭

Apart from Secured CC, if your primary objective is to build Credit Score then consider opening Amazon Pay Later or any Pay Later account. Use less than 25% of the sanctioned Pay Later limit and pay the TAD atleast 5 days before Due Date. This is how I started building my Credit Score and...