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This is actually a pretty common CIBIL quirk, so you’re not doing anything wrong. Most likely it’s a data mapping or reporting issue on CIBIL’s side. Even a small mismatch in PAN, name format, DOB, or address from one issuer can cause CIBIL to treat your profile as “no score”, while...

This is actually how No Cost EMI works, so nothing to worry about. Even though Flipkart shows the discounted price, the bank always converts the original amount (₹44,424) into EMI. The No Cost EMI benefit of ₹1,990 is not reduced upfront, which is why your EMI schedule shows the full amount...

Buying gift cards through DMs from individual users can be risky, especially when there’s no buyer protection involved. Once a gift card code is shared, it can’t really be reversed if something goes wrong. A 5% discount is also quite common on many platforms during sales or bank offers, so it’s...

I wrote this email to SBI and my limit got increased. I think you should also do it. Just find some official mails from the internet and mail it to them. "Dear SBI Bank Support Team, I hope this message finds you well. I am writing to request an increase in the credit limit on my SBI Cashback...

If your Amazon ICICI limit is only 1 lakh and the insurance payment is 1.13 lakh, the simplest way is to just split the payment. Most insurance portals let you pay part of the amount by card and the rest using net banking or UPI. So you can swipe the card for 1 lakh and then clear the remaining...

Axis Privilege points are pretty decent, but the trick is using them where they give the highest value. The best way to maximize them right now is usually through travel redemptions on the Axis Rewards portal. Flight bookings, in particular, give noticeably better value than redeeming for...

For 10–20k monthly CC bill payments, you actually don’t need anything fancy. Since your cards are ICICI + Canara, most of the usual “reward tricks” are already limited now. MobiKwik is honestly fine if it’s working smoothly for you. Just keep checking the fees before paying. CRED can be hit or...

If your main goal was using rent payments to earn Vistara flights, then yeah, the new exclusions definitely kill the value of the Club Vistara cards. For a replacement, it really depends on whether you want airline-specific benefits or just high-value points you can redeem for domestic flights...

If you’ve got 10,000+ IDFC reward points, you can actually get some decent value out of them. From my experience, the best way to use IDFC points is through gift vouchers. Amazon, Flipkart, lifestyle brands, etc. usually give the highest value per point. Much better than redeeming for products...

Happens with Federal Bank sometimes, the VKYC doesn’t always trigger immediately. Usually, after you generate the application number, they’ll either call you for VKYC or you’ll get a link/SMS within a few hours or by the next day. If nothing happens in 24–48 hours, you can just reach out to...

This sounds really stressful, and I’m sorry you’re stuck in the middle like this. When cybercrime puts a hold on an account, banks usually won’t remove it until they get a clear “no objection” or closure update from the police/cyber cell mentioned in the complaint copy, even if the transaction...

Hi everyone, I raised a dispute with the credit bureau to remove two enquiries, one from HDFC Bank and one from Bajaj Finance. Both were filed under one Dispute ID, but they were separate enquiries. Both lenders took longer than the allowed time to respond: HDFC took 61 days Bajaj Finance took...

I’ve just started earning and want to begin investing, but I’m confused. Should I first build an emergency fund or directly start SIPs in mutual funds? Some say it’s okay to do both together, others say to save first then invest. What’s the smarter approach?

Great to see you taking interest in mutual funds and even planning to become an MFD, that’s a really good career path if you enjoy helping people with money decisions. If you’re just starting out, don’t worry. Most of us were confused in the beginning. The simplest approach is to first...

I get what you’re saying, Federal Bank can be really slow and unclear at times. You’re definitely not the only one facing this. Many people have had random limit changes or long delays without any proper explanation. Since your Imperio card is already approved, they should’ve at least given a...

It’s a pretty common issue with YES Bank’s video KYC link, it often expires if the session is interrupted or if you switch devices. A few things you can try: 1. Clear browser cache and try again on mobile: Sometimes the “Session Expired” message shows up because the link carries your previous...

A lot of people used IDFC bank because it gave higher interest rate. Now I think they have also bought down their interest rates and rewards points. I'm not sure about this

Honestly, none of us are surprised. From the beginning, it was pretty clear that a high-reward debit card program like this wouldn’t last forever. It’s a familiar pattern with Indian banks, launch a product packed with irresistible perks to attract users, and once it gains popularity, start...

Here are a few easy ways to get the most out of your SBI Elite Credit Card: Hit the ₹5 lakh annual spend, it gives you a fee waiver for the next year and helps unlock milestone vouchers worth ₹10,000 (after ₹8 lakh spend). Use your free BookMyShow tickets every month (₹500 off x 2 per month =...

Not an issue brother!