If you have 2 big expenses, plan 1 before billing and 1 after

Strategy & Operations

What is a credit card hack worth sharing ? If there is any...

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Credit card usage hack?

Risk Analytics

Credit card usage hack?- Grapevine

Welcome to Personal Finance's Private Community

Share your Cool Credit Card Hack that Can be useful for us too!

Analytics Manager

context: i posted how one can use one cc to pay for another cc and keep on passing debt without incurring interest

found this on reddit

so - it can be done huh! who’s laughing now bwahahahahahaha

Credit card loophole

Business Analyst

Hello folks, 
Due to some financial crunch, I'm planning to get a credit card but I've heard from people about the scary stories of credit cards. Can any body who owns credit card can give his experience or any tips what card or how to use the card or any other general advice. 

I just want to use cc for online purchases and maybe in emergency situations. 

Thank you in advance.

Mindful credit card usage

Software Engineer

I am earning and expenses or same 50k but I have 10lac credits could you pls help and suggest to get it out and i didn't get loans due to credit score issues

Credit card over utilisation

Supply Chain Manager

Suggest good credit cards which you are personally using. Both which are free & have annual charges.

Do mention which use case it is best for:
-online spends
-offline spends
-foreign transaction
-fuel spends

Credit Card

Senior Associate

Always wondered how it happens
Have been using credit cards for some time, never found as much in rewards. What can a novice change in his cards?

Folks who say they get free flight tickets from credit cards, how do you do it?

There are certain cards which help you get free tickets(not entirely free though) 
  
 Most famous ones are Vistara cobranded cards. 
 Eg Sbi Vistara Prime Card 
  
 You get the card at annual fees of Rs3500 
 With this you get 1 Vistara Premium Economy Ticket which would easily cost 8-10K INR if you were to book by paying 
  
 Additionally you get more Premium Economy tickets each time you hit a spend milestone. 
  
 1.5lakh spends in a year - 1 more ticket 
 3lakh - another ticket 
 4.5 Lakh- another ticket 
 8 Lakh - another ticket 
  
 In addition you get 1 upgrade voucher using which you can upgrade your ticket from category X to category Y. This is via the Vistara Silver Tier Membership which is complimentary with the card. It also gives 5kg addition baggage allowance 
  
 There are more such cards in market like idfc vistara, axis vistara (business class variant as well)

Product Manager

Corporate Strategist

Hey, in Bangalore and in Delhi I’ve seen few places around that give cash/upi on credit card for as low as 1.5% fees. 
Has anyone tried, I asked them they say they take it on utility bills, I’ve got a few high reward cards (atleast 5%), can I swipe them and complete my rewards?

Credit card to cash concersion companies, good idea for rewards?

Analyst

Hacks

How to get AXIS Magnus ?

Welcome to News Discussion's Private Community

Hello All , 

I went on an international vacation and someone stole my credit card and did 2.5 L in INR worth of transactions . 

While I was checking in the hotel I received a mail and sms for 2 transactions which makes it 2.5L INR and 5 declined transactions of 4.8 L as the card declined the limit . I blocked the card  & approached the bank to raise a dispute.

I had reported this to my bank in under 4-5 hours of it happening I was told by the phone banking team that the  TAT is 90 days and I will get a temporary limit till the case is solved .
Simultaneously, I had reported the stolen of card and got a physical complaint to present it to the bank. 

Within 24 hours I received a mail from the bank that I have shared my pin and the person has used the card and also told me to make the payment to avoid the further charges.

The card was tap & pay mode where you don’t require a pin. Hence , the transaction went through. 

PS - I did take travel insurance and have spoken to them also but I am not sure whether it will work or not as the representative said we will look into and revert. 


I wrote a mail to RBI to help me in this matter , can someone suggest me what else can be done ? It is causing me unnecessary stress now.  What happens in the scenarios like this ?

CC stolen and transactions worth 2.5L done on it

Business Development

I was in Mumbai this weekend and I was having street food in Ghatkopar. I heard someone whispering but ignored. When I turned around I saw three people, 2 guys and 1 girl. I continued enjoying my food when I saw that the girl behind me had left and dropped some money. I walked up to her and told her about it.

I bent down to pick it up when the other two guys bumped into me. I think they were cloning my card all this while, I will explain why I think that. I asked them if something was wrong and they said No and went away. 

I checked today morning and 16,731 were deducted at some weird merchant in USA. I was confused, so I instantly blocked all my cards. I have contacted the bank about this fraud as well. 

I am confused: I did not do any transaction on any website that looked shady nor did I give my details out to anyone. The only thing that explains this is that they cloned my credit card and this was their strategy. How to comfirm this? Please help.

Someone cloned my Credit Card near Ghatkopar🤬

Founder

I have multiple cards that i have got in last 3 years and i love to optimise my usage to get a return of upto 10 - 15% depending on the card and category of purchases,

What’s yours?

How well do you use your CC?

Growth Manager

Which is the best credit card if your spending is 40k/pm  for the benefits and rewards?

Which is the best credit card if your spending is 40k/pm

Folks,
Any hacks to book flight tickets with good discount. Need to book for a family trip for 5 members. Any website/card/voucher etc is fair game. I'm not sure what gives more value these days

Flight booking Hacks

Product Owner

I have the following CCs
1. HDFC Millenia (it just lost its lounge access ability)
2. HSBC Visa Platinum
3. Axis MyZone Rupay Card (Converted from Flipkart Axis Card for Credit on UPI access)
4. IDFC First Millenia
5. SimplyClick SBI VISA

But I want to replace all of these with one or two all rounder cards that gives me a wide variety of benefits (cashback, lounge, discounts, international payments, etc).

Request you all to put down your suggestions.

Can you guys suggest one or two all rounder Credit Cards?

ICICI  Amazon is hands down the easiest card to use.

Consultant

Hi all! After the devaluation of Axis Magnus what are the options someone has who isn't earning 25+. Is there a way to get HDFC Infinia? What are the credit cards one should get to optimize the rewards? (Travel miles, vouchers etc.)

Credit Cards

I was checking my credit card rewards and realised that HDFC gives 4 points for every Rs150 spent. 

Now I have a decent amount of credit card expenses every month but the majority of my transactions are less than 150. I spend a lot buying snacks, soft drinks and energy drinks from a shell store near my office. 

Is there a way like using any buy now pay later product and then pay that from my credit card?
Or 
Is there any credit card which can give a similar level of benefits and also account for small transactions as well? 

Additional question: How is the Rupay or one credit card?

Credit card suggestions

Data engineer

Welcome to Office Gossip's Private Community

I don’t work for CRED or have anything to do with them but I’ve been seeing a lot anti CRED or Kunal Shah posts here. 

Did I miss out on some interesting/ entertaining news or is it just a frustrated candidate who didn’t get in or a customer who’s had a bad exp?

Credit card usage hack?

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