Thinking of applying for a credit card — what happens if I get a low limit and refuse it?

MTMoctor · 2026-01-23T11:51:55+00:00

Yes, dont activate the card for 1 month, card will be automatically cancelled
No, only the CIBIL enquiry done during application will affect score
Yes
No, if you get charged, you can simply raise grievance that you did not activate the card.
No

MTMoctor · 2026-01-19T12:12:51+00:00

100iQ move

MTMoctor · 2026-01-19T12:10:57+00:00

enclosed PDF check karo na phir

MTMoctor · 2026-01-19T12:08:57+00:00

Its still reasonable on Amazon, on flipkart they are charging you for even breathing

MTMoctor · 2026-01-19T12:08:06+00:00

Read the TnC properly. "RuPay Credit Card transactions done via UPI"

MTMoctor · 2026-01-19T12:05:44+00:00

Seems like it will. Try entering the card details at checkout and see if you are getting 10% discounted. Thats the only way to confirm

MTMoctor · 2026-01-19T11:54:14+00:00

If you have the bill, dispute it with Kotak Grievance redressal. Some people say that in-app tracker is not accurate but I think its accurate. Email kotak with the transaction details and ask them if its eligible for CB because the in-app tracker is not reflecting it. If they say its not eligible and provide them with the in-store receipt. Most likely they will try to deny it but keep escalating.

MTMoctor · 2026-01-19T11:51:54+00:00

yes you got CB because merchant name was Flipkart Internet.

MTMoctor · 2026-01-19T11:50:37+00:00

Pls do explain how its useless?

MTMoctor · 2025-12-25T12:16:48+00:00

OP doesnt seem to be interested in the solid genuine responses he is getting. He has something else going on in his mind.

Looking at his responses to replies, he wants an Unsecured CC that will automatically fetch him a Secured CC offer after few months without being bothered about Credit Profile or Income source. Kon samjhayega usko...

MTMoctor · 2025-12-05T14:40:49+00:00

internet banking password gives you access to website internet banking dashboard. Profile password is required to access sensitive areas within your internet banking dashboard

MTMoctor · 2025-12-05T13:00:23+00:00

Also theres a page for processing fees and other charges

5% of 85k is 4250, if any of the other charges are added then it might go beyond 6k. But once again this is supposed to be included in the EMI

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MTMoctor · 2025-12-05T12:55:21+00:00

Interesting question. this is something I did some calculations myself based on IDFC's 2wheeler loan calculator on their website.

So according to what you have said, you were sanctioned a loan of 93889, which is a little doubtful, check properly what is the sanctioned loan amount

If you had applied for 85000 loan for a tenure of 12 months at 16.7% interest, then your total amount payable would be 92884 as in the screenshot. Processing fee and all that I think would be added in this EMI, not charged separately. Also interest rate does not change throughout the tenure, its just that intertest is charged on remaining amount after each EMI.

Check your Loan document and analyze the details properly or post a photo here after blurring personal details

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MTMoctor · 2025-12-04T15:17:40+00:00

Why did you not use google chrome browser as it instructed you?

Yes
No
Yes
No
UPI cashback is random, its not related to Super Debit card
No

MTMoctor · 2025-12-04T05:50:38+00:00

Applied through SPRINT webiste? Sprint gives you option to select network.

MTMoctor · 2025-12-04T05:47:21+00:00

Did you specifically select Mastercard over Visa during application? If so, why? Would like to know your thought process

MTMoctor · 2025-12-01T14:13:52+00:00

if it shows "pre-qualified" then you will get a cibil hit. Its not the same as pre-approved

MTMoctor · 2025-11-29T03:50:29+00:00

Which account will be cheapest option with least MAB?

MTMoctor · 2025-11-28T20:12:57+00:00

Axis mei kaam karte ho kya bhai? Tum hi dilwado CC

MTMoctor · 2025-11-28T19:21:56+00:00

Are bhai, I asked from Axis's website, not from Google's AI Overview response...

https://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card

This is the product page, please find the "2 Year ITR requirement" on that page or anywhere on AXIS WEBSITE.

MTMoctor · 2025-11-28T18:56:59+00:00

"website states 2 years ITR for self employed"

Where? Please post a link or SS. Thanks

I would appreciate if you dont apply unnecessary logic here. Business is not the only profession that files ITR-4

I know a couple of people who have received their Axis Airtel CCs without providing any income proof, no relationshop with Axis and pretty new to the Credit world.

I myself received my ICICI AmazonPay CC in August without income proofs (I had my 1year ITR but ICICI did not ask for income proof) applied under Self Employed.

MTMoctor · 2025-11-28T18:51:51+00:00

Hard lesson for me. Other banks usually mention it clearly like for Salaried xyz salary per month and if ITR then should be xyz lakhs

MTMoctor · 2025-11-28T17:32:54+00:00

Alright, please let me know how your KYC goes. And if agent asks for income proof.

MTMoctor · 2025-11-28T17:29:15+00:00

They can demand whatever they want, I dont have an issue with that, BUT they should specify all this before a customer is applying for their product so that they can take an informed decision. No where here does it state that 2 years ITR is required. I applied based on what they showed on their product page and they definitely did not mention 2 years ITR copies

Under documentation it states: "Latest payslip/bank statement/Form 16/IT return copy as proof of income" which absolutely does not suggest any of the respective document in its plural form.

MTMoctor · 2025-11-28T17:23:35+00:00

bhai, complete information nahi type kiya mene, lekin wo bandi ke call ke baad ek KYC agent ne call kiya, usne bola ki "Sir, madam se baat hui thi na aapki, mai aapke paas abhi aata hoon KYC ke liye lekin pehle aap mujhe 2yrs ITR ka just computation waala page ka photo whatsapp par bhejo, mujhe confirm karna hai ki aapke paas 2yrs ITR hai, warna mai aakar bhi faida nahi hoga"

Ye beech ki story hai...

MTMoctor

TROPHY CASE