yes everytime other than fuel expenses. because i get reward points. yesterday only i booked round trip from BLR to hometown in 3.6k while original cost was 11k

Software Engineer

I keep my cc bills under 20k each month, most often under 15k. Less than 1% of total limit. Prefer upi. Easier for me to attribute my spending.

Product Manager

We're curious about your payment preferences! Do you find yourself reaching for your credit card more often than cash or other payment methods? Share your thoughts and reasons below!

Welcome to Personal Finance's Private Community

Do you use credit cards for most of your purchases?

Consultant

Do you use credit cards for most of your purchases?- Grapevine

Everyone using a credit card has a reason why they chose that particular card; what is your reason?

Which credit card(s) do you use and why?

Founder’s Office

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

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Credit card

Founder

I’ve noticed different people have different ways to approach their financial planning. 
Hoping to learn from each other and perhaps help others who read as well.

What is one personal finance habit that has changed your life?

If you 'want' to buy something, wait day or two (I wait a week) to know if my heart is still stuck at it. Generally (mostly) it is fleeting craving and I end up not buying.  
  
 This has kept my expenses very minimum

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs.

i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. 

idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first

please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? 

what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

[rant] 24 year old anxious about his financial future

Marketing Associate

I'm trying to figure out the mindset of people who would be the target audience for companies that run on Cashbacks such as Cred, CashKaro, Cheq, Credit cards, etc.

Do you guys go out of your way to use a product more, if they offer Cashbacks?

Brand Marketing 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

Curious to how much research do you all put in before getting a CC ? What are some of the key things you like for in a credit card?
If a new player were to launch a card, what is a differentiator that you think would make you get the card

Lot of questions but would love to know!

Credit card research

Thread to discuss credit cards what all basic, specific and premium cards you hold and what are your credit limit on that card.

Credit Card Mega Thread: Which Credit Cards do you have and What are the Limits?

Hi folks, I’m planning to get a new credit card. I have the ICICI Amazon Pay card at the moment and use it for all my expenses except rent, but not happy with the benefits I’m getting from it. 

 I’m doing some research to figure out what card I should get. What card do you have that you think i should consider?

Credit card recommendations

Strategy & Operations

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

Any suggestions on which credit card should I apply?

Data Analyst

I have Amazon pay ICICI, it started off well, I made all payments thru Amazon pay and good cash back but now while making payments on 3P apps, you can only use Amazon pay UPI

The other card I have has is Kotak Indigo and it’s shit

Which credit card is actually good?

Business Operations

What all cards do you use? Which one is your favourite? Which you are thinking of applying and why? Let's discuss this in the comments. 

I use HDFC Millenia & HDFC Tata Neu Infinity

Best Credit Card Cashback Comparison for all categories

Can I live a credit card free life? Although I consider myself a credit card smart user, I did an experiment where I can't spend via credit card for a week. I ended up spending much less.

My credit score is 780. What are the problems of stopping the usage of all my credit cards today? Is there a difference in the loan interest I would get? Would that difference be significant?

Why is a credit card needed?

I'm currently on the hunt for a credit card and could use some friendly advice from the community. To be honest, the credit card options out there are making my head spin. If any of you have recommendations, personal experiences, or insights to share when it comes to credit cards, I'd be incredibly grateful for your input. What I'm really after is a card that offers cashback since I don't get to travel much. Your guidance will be a big help in navigating this sea of options.
Thanks in advance!

Seeking Advice on Choosing the Right Credit Card

Frontend Engineer

Does not matter how much ever you earn, you will always over spend if you have credit card😖

Do you use credit cards for most of your purchases?

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[rant] 24 year old anxious about his financial future

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