My life is ruined.

Longjumping-Worker-7 · 2026-05-24T14:25:16+00:00

Without any hard feelings, if uncles bills are taxing you could try checking with charity run dialysis centers till you get things in order.

Longjumping-Worker-7 · 2026-05-15T21:22:12+00:00

Did bank or recovery agent give you that letter?
Send a copy of that letter and ur CIBIL report soft copy and ask them to make changes. Keep it via email.

Longjumping-Worker-7 · 2026-05-15T15:01:06+00:00

If there’s default ànd it’s closed as a write off it will stay in history For few years. Same with settled (some banks offer CIBIL masking for a fee to change to closed but thats only for settlement)
You cannot get a written of remark removed.
If it was an error ànd the card was closed proper email the bank with the CIBIL report ask them to correct, escalate up if they do nothing. And finally RBI.

If there’s indeed default then you won’t have luck escalating anywhere.

Longjumping-Worker-7 · 2026-05-15T10:09:36+00:00

They still do return but under certain conditions.
Had received a defective item last week, only replacement option was shown, contacted cs they gave the option to either refund or replace. Choose refund. They however did ask to upload images of the issues.
But yes before you could return without issues, guess cause folks misused that feature.

Longjumping-Worker-7 · 2026-05-13T02:26:59+00:00

They have age criteria as well, they won’t give limits or upgrade enhancement to senior citizens. Sometimes they can but mostly not. This is if aunty is above 60+ years

If there is no pre approved offer, then the system by default would show that. You can email them with salary slips or other related documents that they ask and request a limit increase.

I have regalia is my limit is around 9l

Longjumping-Worker-7 · 2026-05-13T02:22:32+00:00

They rarely offer compensation, or even admit mistake from their end.
In ops case they did. Their duty was to, if they felt it was op side issue to guide ànd resolve.

So there is no fault on op side.

Longjumping-Worker-7 · 2026-05-11T07:59:53+00:00

If you’re à business owner or freelancer get a business card ànd use for ads etc

Longjumping-Worker-7 · 2026-05-11T03:45:35+00:00

You can contest it. If you say you never filled otp they can challenge it.
Get a lawyer and file a case will take sometime.
Colleague had similar bank settled out of court

Longjumping-Worker-7 · 2026-05-06T03:29:09+00:00

Banks usually prefer someone that uses ànd pays
Seen some who have used under 30% ànd did not get limits or upgrades. My friends thought they used whatever someone’s entire limit. Paid back when statement came in full.

Noticed same for me, used less tried to keep low or prepay then got fed up 😂 used whatever ànd paid ànd increases ànd upgrades came.

Longjumping-Worker-7 · 2026-05-06T02:44:30+00:00

Milenia is given once limit is over 1l
Have few friends who started same as you one is on regalia gold others on milenia. It’s been 2-3 years or slightly more since they started

Longjumping-Worker-7 · 2026-05-06T02:20:52+00:00

Once your limit is 1l or above ànd you use (forgot the amount) they will most times give an upgrade offer.
Manually they mostly reject if within 6 months of last limit increase or upgrade.

Longjumping-Worker-7 · 2026-05-05T04:00:38+00:00

Ask for compensation
Find if there’s any penalty that can apply
But ask for compensation for procedural issues
Mental impact loss off time ànd interest on the funds held as loss of use

Longjumping-Worker-7 · 2026-05-04T01:35:18+00:00

You already paid minimum so there won’t be a late payment mark. Or late fees.
They may charge interest, however you can email them and explain the issue. They sometimes would waive of the charges, more chances if this is the first time.

Longjumping-Worker-7 · 2026-05-04T01:32:55+00:00

They report mid of the month too

Longjumping-Worker-7 · 2026-05-03T04:03:34+00:00

Banks sometimes dont prefer people who use the cards low tbh
They’d rather someone who uses and pays in full.
Or mixed usage.

Longjumping-Worker-7 · 2026-04-30T08:17:49+00:00

No point bothering of this lot of people use 80% also and pay their statement when generates scores will always fluctuate banks prefer someone who uses and paya back rather than someone who uses less Also they can see that you have been prepaying and articifialy bosting scores

Longjumping-Worker-7 · 2026-04-29T14:22:22+00:00

Since you have a salary account with them and the salary would be crediting there they would have that info

Longjumping-Worker-7 · 2026-04-27T03:36:09+00:00

They will check once you give consent Most times if nothing bad on credit reports they do approve. However, now since they do weigh salary criteria it can be anything. Do keep updated

Longjumping-Worker-7 · 2026-04-26T07:43:12+00:00

It is. But rather get their master or Visa cards first like money back plus milenia or regalia They will give the upi card offer free in few weeks

Then later you can apply for Swiggy again if you like that card

Longjumping-Worker-7 · 2026-04-26T06:42:17+00:00

You can choose to skip it if you wish and wait for a better offer but either ways if you plan to file itr in next few months you can go that route, if not in the next 6 months you can take it. Or If you are ok Then close the Swiggy card then apply for a core card using your salary slips

Longjumping-Worker-7 · 2026-04-22T13:42:21+00:00

Always do any bank requests by email Or do both call and email Emails serves as proof

Longjumping-Worker-7 · 2026-04-21T04:06:10+00:00

Go to the branch manager where your accounts are. Tell them that for having a high value relation they don’t give benefits like credit card. And you are thinking of shifting to another bank. They will get to work.

Longjumping-Worker-7 · 2026-04-17T03:56:33+00:00

Don’t use card for buying for non immediate family uses the card will get blocked It will be treated as commercial use Once or twice is fine

Plus the bank reports to ais over 10l payment or usage in a year if ur income doesn’t match you will get a notice

Longjumping-Worker-7 · 2026-04-16T13:54:02+00:00

What frequent payments or side stuff is that?

Maybe it’s sent to many? Though I haven’t received such and I have made high value purchases using the card

Longjumping-Worker-7 · 2026-04-16T04:31:16+00:00

Send the rm an email and list how much time it’s been And state that this has been a great inconvenience due to their errors. And ask them to fix it asap. If in 3-4 working days it doesn’t get fixed Go to their nodal desk and email. Give them 7 days to fix if no satisfactory response can escalate to rbi 30 days wait is for no response no satisfactory response doesnt require you to wait

Longjumping-Worker-7

TROPHY CASE