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I am 20 year old student i am looking for credit card, to increase my cibil score, I am using IDFC wow Rupay card, with 10k FD in that, now i requires an unsecured CC also, can anyone please help me how to proceed with my first unsecured CC.
S
sumitgangvani
Credit card is not an Initial option to uplevel your credit score, if you're 20 years old then you may also can purchase any small amount of smartphone let's say around Rs. 25,000 on no Cost EMI. HDB financial will be the better option for that and clear the EMI's on time, after closure it will automatically offer you more which will be the signal of increased credit score. (y)
I am 20 year old student i am looking for credit card suitable for my preference is no joining or annual fees & if rupay is available i preferred
TaxWiser
TaxWiser
I suggest to wait until u turn 21 & go with Amazon Pay ICICI LTF CC as you can earn cashbacks
And if you can meet the following Criteria then here are 2 LTF Rupay CC:
1. IDFC WOW Rupay CC: Requires FD​
2. PNB Platinum Rupay CC: Requires ITR i.e. nearly impossible for students, but keep this CC in your bucket list
Hope this helps! 🤗
A
Aizen164
Thanks
Are you going to buy two wheeler bike on finance???
TaxWiser
TaxWiser
Never, unless the finance option provides me the bike at equal or lesser rate compared to full payment option which is very rare 😉
EMIs are mostly traps, so opt for EMI option wisely considering the benefit or else in longer run this EMI habbit will ruin your finances 😑

Hope you will take my thoughts in +ve way 🤗
For transparency in interactions on this platform, I use AI only to provide solutions for resolving queries and do not use AI in general conversations.
zacobite
zacobite
yeah.. i see that however AI many times is not accurate.. so..
TaxWiser
TaxWiser
@zacobite Absolutely Correct, but I always personally verify the content before posting. And even after that, if I miss something, then I can always rely on Community members like you to Correct me without making any mean comments.
Share Knowledge, Grow Together ❤️
Note: I started mentioning Source:AI if used but if not mentioned then it's 100% my thoughts. 🤗
zacobite
zacobite
Cheers..
I have a bank loan going on with the bank of Baroda for 6 months now. I have paid the EMI in access every month on account of reducing my interest expenses. Today when I checked my statement I found that the excess amount which I have been paying has not been deducted in the principal amount but rather has been set aside as over funded amount. Is this so called "overfunded" amount justified ?
Skylar
Skylar
I have observed that PSU banks sometimes handle situations in a peculiar manner. Unlike other banks, where excess payments are typically adjusted in the next month’s EMI, PSU banks tend to allocate the surplus as an ‘overfunded’ amount.
Please visit the bank and get it cleared.
I sold my car so i got 5 Lacs where should i invest so that i can get monthly income for my wife
Mohit64
Mohit64
@BHAVESHKESWANI Can you Tell me About Any MF as shes having SIP of 8K monthly
BHAVESHKESWANI
BHAVESHKESWANI
invest in Mirae Asset, Axis Bluechip, SBI Bluechip
R
raj31
Invest in SBI life annuity plan and there you can choose how much you want per month also select the plan that will return you invested amount after any casualty happens to the person depositing.
Hi, I have 20 years Banking experience in Import Export Department.
You may asked your problem, I will try my best to guide you.
K
karan thakur
Best account knsa rahega foreign people ke liye. And kon se bank fd return good deti hai.
Kisi ko pata ho to batao
Ask me anything about Stock market trends, technical analysis or portfolio management, investment recommendations.
Whether you're a seasoned investor or just starting out, I'm dedicated to providing you personalized guidance
kartikkumargupta02
kartikkumargupta02
Best months to sell shares in India:

1. January: After the year-end rally, some investors book profits, making it a good time to sell.
2. April-May: As the financial year ends, some investors sell to realize their gains or losses.
3. October: Ahead of the festive season, some investors sell to book profits or rebalance their portfolios.
kartikkumargupta02
kartikkumargupta02
Note: Please note that these are general trends and not definitive rules. It's essential to do your research, consider your financial goals, and consult with a financial advisor before making investment decisions.
N
NitishKumar
Hi Karthik,

How i may contact you for MF investment purpose.
Can i have your email id.
I have opened my HDFC Farmers Account on 06 July 2022,
R
raghavgarg
then I applied HDFC Paytm Card from paytm app which also got approved for same reason (due to existing relationship with bank) with 500+gst fees (merged limit) .
R
raghavgarg
So as of now I have 4 HDFC Cards and I have not recieved any card upgrade offer nor any limit enhancement offer what should I do.

I am afraid after reading this, HDFC don,t close my cards
  • Haha
Reactions: Skylar
Aftab Khan
Aftab Khan
Use Your Credit Cards Regularly and Pay Before Due Date and Have Patience Limit Will Be Increased in some Months

And Also Please Don't Take These Much Cards with Annual and Joining Fees

I prefer Having Lifetime Free Credit Cards
Hi Mauleek,
Yogesh this side. I checked one msg where i saw your were using icici amazon credit card. This is now only applied on referral. I wanted to ask personal favor, Can you please give me the referral?
We can have a call also. Thanks
hitirfan
hitirfan
It's not referral.. but invite only by ICICI Bank.
The bank copy is lost and how can it be found and it is not linked with any Aadhaar card or any other certificate
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Reactions: Gogineni
hitirfan
hitirfan
Bank passbook? Bank walu ko bolo new issue karo, ise mai kya issue hai.
G
Gurjant001
Bhai koi proof nhi hai, bcz koi b document link nhi hai account ke sath
hitirfan
hitirfan
Ap branch walu ko bolo, wahin fir bolenge na kya document lenge wo.
I have massive used credit card approximately 3.5 lakh monthly. What is best way pay my bill? Is through any app or directly cash in credit card account. ..Plz give suggestions...
Love to know about finances👍
G
goyal
I have massive used credit card approximately 3.5 lakh monthly. What is best way pay my bill? Is through any app or directly cash in credit card account. ..Plz give suggestions...
As we know, most active funds are unable to outperform even the benchmark, so why do people sometimes choose active funds over index or passive funds? Why not always choose index funds?
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