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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!

Just sharing this here since a few of us were talking about it earlier. Key updates: The new eligibility criteria kick in from 1st July 2025. For anyone onboarded on or before 30th June 2025, the new criteria will apply from 1st October 2025. If your group gets upgraded or downgraded on/after...

If your home branch is in Bihar and you’re currently living in Pune, that’s likely why the update isn’t reflecting yet, mobile number changes in PNB are usually verified and approved only by the home branch for security reasons. Here’s what you can do: Visit any nearby PNB branch in Pune...

If your CKYC record isn’t found while opening a new SBI savings account through YONO, it usually means your KYC details haven’t been updated in the central CKYC database yet, even if you’ve completed KYC earlier with another bank. Here’s what you can do: Check CKYC status online: 👉 Visit...

Here are a few good credit card options depending on how you usually shop: For Instamart, Zepto, Blinkit & BigBasket (online groceries): Axis Bank Neo Credit Card: 5% cashback on Blinkit and BigBasket, plus Swiggy discounts. HDFC Millennia / Axis Ace: 1.5–5% cashback on most app-based spends...

That is a big thing to ask. I have like around 3.5 Lakhs credit limit across 4 different cards. I don't intent to take any new credit card for now!

Totally get where you’re coming from, a lot of us have gone through something similar with traditional LIC plans sold as “safe investments.” You’ve done the right thing by re-evaluating it early. Since you’ve already completed 3 years, your policy has acquired a surrender value, so you do have...

This might be an interesting info that Scapia Card doesn't approve if you already have One Card

It’s actually pretty common to see such a big difference between PolicyBazaar and the insurer’s official website. This usually happens because of platform-specific discounts, commissions, or the way add-ons and GST are calculated. Sometimes aggregators show limited-time offers or don’t include a...

You usually can’t get the ICICI Sapphiro LTF directly unless it’s part of a limited offer or through a relationship-based upgrade. The best option is to keep using your existing ICICI cards regularly and maintain good spends and repayment history. You can then contact ICICI customer care or your...

Is bikes available there? This is a news to me. I will search today about this

I have HDFC Diners Club. I will also try to buy a bike through that and see if I can bargain about the credit charges with them. Thank you for the suggestion!