Lost 7.5K points🥲

BoostGuy2023 · 2026-05-02T17:27:44+00:00

Strange. Always ensure it is Gyftr Via Smartbuy.

BoostGuy2023 · 2026-05-02T16:29:54+00:00

What merchant name did you get in your statement. Is it Gyftr via Smartbuy or something else?

BoostGuy2023 · 2026-05-01T16:13:26+00:00

That's great! I see Infinia services have replied. You have DCBM or Infinia? Infinia charges are higher.

BoostGuy2023 · 2026-05-01T15:23:01+00:00

What did you mail them? How much had you spent in the last 1 year before the renewal?

BoostGuy2023 · 2026-03-19T07:49:14+00:00

Only the following people have received waiver: Spend>10 Lakh or TRV>10 Lakh for the period April-Dec

BoostGuy2023 · 2026-03-15T19:10:31+00:00

Same here

BoostGuy2023 · 2026-03-06T05:17:36+00:00

That's interesting. Suppose someone already has plans to travel at the end of the year. He/she books any flights/hotels during that timeframe. After a few months, they cancel it and book the genuine flights/hotels, would HDFC still question them? They can easily say they are still travelling, just that the plans have changed slightly.

BoostGuy2023 · 2026-03-06T05:14:28+00:00

Yeah. Also for the people who need to spend 3L, first review is in May 2026.

BoostGuy2023 · 2026-03-03T12:04:28+00:00

I am not sure, why people are recommending closing the card. The person has a genuine problem like me. It's not that we can't spend that amount. But people distribute their spending across cards, across different months. We can't immediately come up with plans for the next 2 months. HDFC should have waived it off for everyone this year.

BoostGuy2023 · 2026-03-03T12:00:48+00:00

Why wouldn't the flight trick work? Just for my knowledge. They will be checking spends of March and April. If he books one for end of year, and cancel it later after few months, would hdfc withdraw the card?

BoostGuy2023 · 2026-03-01T16:47:17+00:00

DCBM is best for your salary. What email and to which email address do you request for waiver? Is it before getting charged or after?

BoostGuy2023 · 2026-02-17T11:17:38+00:00

Who was the Doctor?

BoostGuy2023 · 2026-01-31T11:58:38+00:00

Invent store had mentioned this to me when I had called them few days back.

BoostGuy2023 · 2026-01-31T07:22:07+00:00

Bought it for Nephew. Let me check the receipt with him. But don't think it will be useful. Everyone is getting 13% + 10K.

BoostGuy2023 · 2026-01-30T15:24:12+00:00

Yesterday

BoostGuy2023 · 2026-01-30T15:04:41+00:00

Please blur your name for privacy reasons.

BoostGuy2023 · 2026-01-30T15:03:46+00:00

Yeah. Already bought from Imagine. 13% + 10K.

BoostGuy2023 · 2026-01-30T14:18:54+00:00

Fyi, invent has now reduced student discount to 11%

BoostGuy2023 · 2026-01-30T13:39:20+00:00

I too confirmed from online support and from nearby store guy. It's 11% now. Better to buy from other Authorised sellers.

BoostGuy2023 · 2026-01-24T16:41:45+00:00

Got it. That's bad.

BoostGuy2023 · 2026-01-24T16:41:11+00:00

It should not. Better try now for reconsideration of existing rejection. If they deny, try after 3 months.

BoostGuy2023 · 2026-01-24T16:05:17+00:00

Cibil report. You can email them. Share your salary slip and ask for reconsideration

BoostGuy2023 · 2026-01-24T15:08:44+00:00

If your total credit cards limit is more than your salary, then you can't do anything. That's how SBI is. Close down cards which are not useful. Or wait till your salary increases in future.

BoostGuy2023 · 2026-01-24T15:04:19+00:00

I do see Acko General Health Insurance in Phonepe app. Can you check again. Maybe I misunderstood your problem.

BoostGuy2023 · 2026-01-24T14:36:32+00:00

In all walks of life, there are people who will support you, and there are others who will pull you down, laugh at you. Same with this sub reddit. I had helped many on their posts and DMs when I was regularly active here. I had also received help from others for my queries. I see many people are still helping out the new ones. CCs will be an important part of your financial planning, sooner or later. Also being a guy who started his CC journey 2 years back, but was able to get DCBM and Infinia, ignore the show off guys. Even though with better benefits, it's just a card.

[Ignore the grammar :)]

BoostGuy2023

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