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Hello friends
I have an HDFC credit card, which is a business card. When I upgraded it, I wasn't aware of the pros and cons. Now, I’ve checked the statement and noticed that I'm paying GST. Please suggest a credit card for online shopping, recharges, and occasional grocery purchases
zacobite
zacobite
biz card by hdfc is v gd card.. wht gst are u talking about? all card fees have gst
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premjha097
There are so many credit cards available in the market . It depends on you and your spendings you can easily get credit cards if your cibil score is 👍 good.
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Vishwajeet2025
cut your credit card from center as its a trap. only first days are free and then all your salary is for paying credit card payment. also minimum due is interest on what payment we use. so be careful and make your life credit free.,... rukhi sukhi khaa lo bhaiya jitna cash ho...
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What're the reliable online platforms for investment in fractional ownership of commercial properties? What are the documents we must check before such investment?
S
Sbi Simply click credit card.. pros and cons?
Dark Knight
Dark Knight
Pros: SBI Card offers, Annual fee on lower side, higher approval chances

Cons: Entry level card, Reward program not close to peers
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Master Chief
Master Chief
Does it offer any rewards points on Offline spends ?
M
I'm a Businessman and A Trader/Invester in Equity and Derivatives market.
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omkasera
Mere pass 2 card he SBI k ek 1.3 year old 33000 limit he or ek 6 months old he 67000 limit he mujhe 33000 wale ki limit increase k liye 3 months se try kr rha hu limit increase k liye ITR bhejta hu or 3 months bank statement fir kuch din baad internal policy bol kr limit enhancement request decline ho jaati he
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I have 15 + credit cards and i wanted to file ITR can someone plzz tell how credit cards should be disclosed in ITR, in order to have no issue in future
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zacobite
zacobite
you don't need to declare cc in itr..
wcgxlr8
wcgxlr8
+1, as long as your overall CC spends are within your declared taxable income, there is no need to file CC expenses separately.
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zacobite
zacobite
even if they are higher u don't need to worry if income and expense are in line and not disproportionate
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Which is the best car renewal insurance mode?
Online or Offline(from Showroom)
zacobite
zacobite
offline.. you can negotiate hard / edit conditions. not showroom.. through agent.. online is fixed price
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prajaktautekar
Offline is better than online.As in you come to know what all is covered in your car insurance.In case of online they show you less premium initially later they charge you saying these things are not included or if you wish to addon you will have to pay more premium.
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sumitgangvani
Car showroom is just a showroom to purchase a car, it's not an insurance point. All the Insurance companies in india are same as shown in online and offline. if you know A to Z process of insurance buying and claim processing and have extra time to involve in it, you may go through online for better options, but if you trust your agent you may extremely go for offline.
Dark Knight
First Profile Post to understand if there is any traction/activity or the forum is on ventilator !!
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Tintin
I am facing a serious issue regarding revoked account in Paytm money. I am trying to resolve but failed. Can you suggest me how to resolve it ?
wcgxlr8
wcgxlr8
@Tintin do you know it has been revoked? Did they share any emails?
Dark Knight
Dark Knight
Paytm money is facing lot of issues raise with customer care asap
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I just wanted to know that what is the cibil report date of NBFC's like Slice, Branch, Zip, One card, etc.
Skylar
Skylar
OneCard - South India Bank - Month end.
Master Chief
I also see pre-qualified credit card option when i login onto net banking can you answer some questions:

1) How was KYC done -vkyc, offline kyc or just simple (selfie upload & ₹1 Credit-Debit like SBI Sprint)
2) Did you submit any documents ?
3) How much time did it take to get it approved and dispatched ?
K
As I have seen every second person is investing money in Mutual Funds and Stocks. I also want to invest money but with a small amount of Rs. 10k. Please guide me
TaxWiser
TaxWiser
First decide your Risk Appetite, Investment Goals & tenure. Then according to that, DYOR b'coz No one can decide what's best for you except you yourself

If you're a newbie in Investment, my advice would be try considering Smallcase & Ready Made stocks & MF baskets, then with time keep modifying your portfolio as per your experience. 🤗
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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.
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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)
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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! 🤗
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Aizen164
Thanks
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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 🤗
TaxWiser
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..
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