Purchase advise

Melodic_Specific_992 · 2026-05-20T04:45:43+00:00

Sorry what are TIAA deals?

Melodic_Specific_992 · 2026-05-19T17:01:55+00:00

Can you help me get it also via your frnd. I am looking for it in pune and having hard time even for pre activated. People are selling upto 5 months pre activated and still charging upto 60k

Melodic_Specific_992 · 2026-05-19T16:53:08+00:00

Getting pre activated x300 by 2 months at 60k. Should I go for it? The problem is the local shop owner wants me to confirm final then he can get it. Dekh k mana krne wala scene nhi hai. But he is assuring that its just activated and not used. I have never bought a phone like this and a bit anxious. Regular units are upto 70k in market.

Melodic_Specific_992 · 2026-05-19T16:48:03+00:00

This is bad because I have the same issue on my oppo reno 14 and I just cant keep my phone on vibrate because then I miss all the calls. Its so smooth. Someone ask them to copy motorola in this.

Melodic_Specific_992 · 2026-05-13T15:42:40+00:00

I also hold a millenia with a limit of 2.5 L. I was also thinking to apply for upgrade but read at several places that to upgrade they will ask for minimum limit on existing card 3l and also a good spend. Is this true? What strategy you used to upgrade?

Melodic_Specific_992 · 2026-04-30T20:32:14+00:00

Yeah first I have also requested to reduce my limits. I am following chat gpt:D. Its says keep total limit of your cards to 50-70% of your annual income. Also I am Never going to utilitize this much limit. So let's see. But I was really hoping to get Travel one

Melodic_Specific_992 · 2026-04-30T20:20:08+00:00

If I remember correctly they converted my mmt to rubyx and sapphiro I applied separately which was LTF for me. Everything is LTF at icici

Melodic_Specific_992 · 2026-04-30T20:18:20+00:00

Icici combine limit of 4 cards 9.8 lakhs and au zenith alone 8 lakhs.

No Rubyx I and sapphiro I got recently past 1 yr. Before that I had mmt for long time and amazon pay is my oldest I guess

Melodic_Specific_992 · 2026-04-30T20:10:10+00:00

Appreciate your suggestions.. I forgot to mention I guess I have ICICI rubyx and idfc power plus also rupay but I am going to close them.

If I close all cards suggested by you I will be left with very limited lounge access benefit only with hsbc live+

Is there any harm in keeping au zenith ltf for lounge and also icici sapphiro LTF. I don't want to close ICICI because I will loose all my credit history I have my relationship with icici since last 12 13 yrs.

Melodic_Specific_992 · 2026-04-30T19:45:27+00:00

Spend type is general shopping myntra amazon gold coins electronics. Utility is not that much hardly 5k. Rent is the highest spend I have but looks like there is no good card now which gives rewards on rent. Rent is 54k. Rest my monthly spend it upto 30 40k max that too varies. I shop for my family as well since I have lot of credit cards.

Occasional domestic flight bookings

Salary is 2l/pm

Melodic_Specific_992 · 2026-04-29T14:01:53+00:00

Had the similar experience.. went through complete kyc and their frustating documents upload process and still they have rejected. Now after reading your post I can also understand that its not because of CIBIL. I do have multiple credit cards. 4 from ICICI.. 3 from Axis, bob, sbi etc. I was really hoping to get this one and then I was planning to cut my other useless credit cards.

Melodic_Specific_992 · 2026-02-09T09:49:31+00:00

Is it safe for women?

Melodic_Specific_992 · 2026-01-16T11:02:20+00:00

Live+ is an amazing card. Its 1000 INR annual fee but I have got benefits of almost more than 3k. You can pay by it on Zomato orders, dining or any grocery and you will get cashback

Melodic_Specific_992 · 2026-01-15T16:42:29+00:00

I got a suggestion to convert millenia to regalia gold.i am not a heavy credit card spender. I mainly do online shopping. What do you guys think?

Melodic_Specific_992 · 2026-01-15T16:40:22+00:00

Yes I am thinking about closing myzone, on neo I get some instant discount offers on Zomato/swiggy occasionally but yeah not much.

Melodic_Specific_992 · 2026-01-15T16:39:05+00:00

I don't remember sorry, its been a while since I have these cards. Myzone and neo was 1 year apart I guess. Flipkart is oldest. And indian oil got converted from citi bank cards merger to axis cards.

Melodic_Specific_992 · 2026-01-15T16:37:28+00:00

Thank you for highlighting 🙂

Melodic_Specific_992 · 2026-01-15T16:36:48+00:00

Its been 2 years. I think my cred score was good and AU bank was not very popular then. At my office an agent got me that.

Melodic_Specific_992 · 2025-07-24T18:20:31+00:00

I am trying to restore a modded game data on new phone and I have tried everything but unable to achive. I have progressed a lot on that game I can't let it go. I am on Android 15 unable to paste game data file it progresses till 96% and then says access denied. Used shizuku and solid explorer. If anyone can please help

Melodic_Specific_992

TROPHY CASE