Search results

Good question, a lot of people get confused when they see different scores across bureaus. In India, most lenders do not check all bureaus for every application. Usually, they pull a report from one bureau only, depending on which bureau they have a commercial relationship with or which one is...

I’ve noticed that even with decent income, I struggle to save after paying EMIs, rent, and bills. How do you guys manage your monthly budget effectively? Any practical tips or tools you use?

FMPs basically close-ended debt mutual funds hote hain. Ye apna paisa aise bonds/CDs me lagate hain jo fund ke tenure ke aas-paas mature ho jate hain. Agar maturity tak hold karo to returns ka idea kaafi had tak predictable hota hai, but guaranteed nahi hote like FD. Mere hisaab se agar aapko...

I’ve been thinking of buying my first car. The dealer is offering low-interest EMI options, but fuel and insurance costs are already high. Should I wait, buy used, or go ahead with the loan?

You can pay LIC premium using a credit card directly on the LIC official website or LIC mobile app by selecting the online payment option. LIC does not charge any extra convenience fee for credit card payments. Avoid third-party apps/websites, as they usually add ₹300–₹400 as processing...

Agar safety chahiye aur tension free investment chahte ho, to FD theek option hai Lekin agar thoda better return chahte ho aur monthly invest karna hai, to sirf FD mein mat rakho Aap 1.5 lakh ko aise split kar sakte ho, Kuch amount (jaise 50–60k) FD ya liquid fund mein rakh lo emergency ke...

Sorry for your loss. In case of death of the borrower, the loan does not automatically transfer to family members unless there is a co-applicant or guarantor. First thing to check is whether your father had credit card insurance / loan protection cover. Many HDFC credit cards have this. If...

I’m using IDFC First Bank Current Account and the experience has been mostly smooth so far. Since you already have an IDFC savings account, the transition is easy and the app/netbanking experience is decent. For services abroad, inward remittances usually get credited without issues, but like...

Thanks for sharing this. Sadly, many of us assume that once a bank accepts a mistake, it will be fixed quickly, but that’s often not the case. Incorrect credit reporting can be really stressful, especially when it’s not the customer’s fault and still takes months to correct. Your point about...

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...