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?
I have a CC and I spend like it’s free money. I wish I never got it in the first place. My limit is 3L and I have taken no cost EMIs which ate up 2L of the limit. I manage to make a bill of 40k monthly without the EMIs.. with EMIs it goes to 80k :(
You are trapped buddy, just make a plan and get of it otherwise it will be severe for you, one of my friend was into similar situation, he got f#ckd, don’t do this!!
I have all my spends on CC. Even UPI spends are on Rupay card. Have multiple cards, all based on high reward rate at this point
Nice 👌🏻
@1 , curious to know which cards do you hold and how have you managed spending across them?
I have multiple:
DCB: mostly all other purchases, hotels, dineouts, hdfc discounts.
SBI vistara Prime: mostly for flights
Sc ultimate: for bill payments airport purchases and international travel
Bob easy shop: for discounts on bob
Amazon pay: for amazon, icici discounts, bill payment
In this month alone i got 3 new credit cards. Yes bank approached me saying there’s a pre-approved credit card, which will be the fourth one.
This will be the fourth enquiry on my CIBIL this month, but none of them got rejected. Curren...
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HDFC, SBI, ICICI clearly the strongest. Startup credit companies usually work with Federal Bank, but they seem to be missing from this list, that's a bit weird?
Can somebody from the fintech domain help me understand?
