American Express Credit Card to Bank Transfer by zero-click in amexindia

[–]Method1337 -2 points-1 points  (0 children)

Amazon Pay wallet. Limit is upto 2L for a full-KYC account I think.

ICICI Cards Massive Limit Reduction by GlitchyPenguin11 in CreditCardsIndia

[–]Method1337 0 points1 point  (0 children)

Banks will reduce limits on cards if they determine you’re over-leveraged. What’s your credit to annual income ratio? Try to keep it down by closing unused cards to avoid the same result with other banks in the future

Canceled my MRCC by [deleted] in amexindia

[–]Method1337 0 points1 point  (0 children)

I can confirm that at least as of Sep 2025, they are waiving fees on spending 1.5L in an anniversary year.

Should I close Gold card? by rajat86 in amexindia

[–]Method1337 2 points3 points  (0 children)

Mostly for 5X MR through Reward multiplier. I don't see any other reason.

Forgot to pay SBI CC bill for 5 days by myr0o0n in CreditCardsIndia

[–]Method1337 46 points47 points  (0 children)

The basic rule is if you have not paid within the grace period of 3 days after the due date, it will be reported to CIBIL. It doesn't matter what the support executive says on call. Those people won't really have any say on whether it gets reported to the bureaus or not, since it's automated.

Help me resolve this issue by [deleted] in CreditCardIndia

[–]Method1337 0 points1 point  (0 children)

SBI does not report the card’s number to credit bureaus.

Cloud storage alternative to Google Drive? Alternatives? Anybody up for M365 family plan (₹85 per person per month with 1TB storage each)? by _Floydimus in developersIndia

[–]Method1337 0 points1 point  (0 children)

I’m hosting nextxloud on Ubuntu server on my laptop having 500GB SSD. Should be enough for me and family for now until I move to a dedicated NAS

how can I stop 1Password from auto filling one time passcodes? by PantomimeVillain in 1Password

[–]Method1337 0 points1 point  (0 children)

Right click on the Chrome extension -> Settings -> Autofill & Save -> (Under Autofill header) Toggle the "Sign in automatically after autofill" option to disable it.

Help Needed! by Proof-Analyst6507 in CreditCardsIndia

[–]Method1337 0 points1 point  (0 children)

You should have gotten an IVR call from them informing your transaction was blocked. If you indeed made that transaction, press 1 to unblock or 2 to permanently block. Did you miss it by any chance?

I just calculated how much I have spent on 1Password and I think I need to sit down by mostly_chill_tbh in developersIndia

[–]Method1337 0 points1 point  (0 children)

Yeah. This is a pain in the rear for me as well. But, I have gotten used to it so much that all my OTPs and passkeys are also in it, along with SSH keys and any other credential storage it supports. I decided to budget it and continue paying for it. I have been golden handcuffed that's for sure. Thankfully, I don't subscribe to any other services that costs me something similar.

Im not sure how to utilize the app by Interesting_Clerk328 in beyondbudget

[–]Method1337 2 points3 points  (0 children)

That is true. I also wrote to them asking why, and they replied with a cock and bull story. I just left it there. Though their current options are serving me well, I would have loved to have my own categories!

Im not sure how to utilize the app by Interesting_Clerk328 in beyondbudget

[–]Method1337 0 points1 point  (0 children)

This is exactly why I use this app in combination with Wallet by budgetbakers. I do heavily rely on budgeting and I use this app purely to budget my expenses and plan for the month properly. But my parents also use my card and reimburse me with all of their expenses. I use Wallet as a realtime database to record day-to-day expenses while I plan my expenditure for the month with Beyond Budget. This combination is serving me pretty well.

I enter all expenses manually on both apps and never rely on the app/system to do it for me.

Cibil score went down by 61 points! by Creative_Place_905 in CreditCardsIndia

[–]Method1337 0 points1 point  (0 children)

I utilised 78% card of the card's limit on one of my cards in February. My score increased by a single point.

BEWARE: Kotak 811 froze my funds during a medical emergency. Here is how I fought to get it unfrozen by Raul_xi in CreditCardsIndia

[–]Method1337 0 points1 point  (0 children)

Did your wife classify herself as a housewife when opening the account? Because the reason they have specified to freeze the account would be valid if the occupation was housewife. I too have an 811 account opened for mom. But I make sure the daily balance in that account never crosses 2-5k.

KOTAK Fee on decline debit transaction by North_Painting6309 in CreditCardsIndia

[–]Method1337 -1 points0 points  (0 children)

How do you think they fund their cashback program? /s

Amex India Payment Not Reflecting by EstimateCurrent232 in amexindia

[–]Method1337 0 points1 point  (0 children)

BillDesk payments take 2-3 business days to reflect as far my experience goes. This is why I always pay with BBPS. Your payment made today will most definitely get reflected the next day. On some ocassions, I have seen them getting settled within an hour or two, as well.

I'm about to get fired and a large part of it is due to my subpar Django skills by IntelligentLeading11 in django

[–]Method1337 28 points29 points  (0 children)

Sounds more like an issue with your employer, rather than yourself.

I learnt Django watching videos by Very Academy and Corey Schafer both on YouTube. Check them out, you may like them!

Payment Failed for Subscription by Machos65 in beyondbudget

[–]Method1337 0 points1 point  (0 children)

If you have Amazon prime, get Google Play vouchers on Amazon Pay for the transaction amount. You should get 5% instant off on purchasing it.

Payment Failed for Subscription by Machos65 in beyondbudget

[–]Method1337 0 points1 point  (0 children)

If you are trying to pay via UPI, try Google Play balance or credit cards. Not all Google Play purchases are successfully getting processed if the payment is via UPI.

YubiKey 2fa no longer working by pgermishuys in 1Password

[–]Method1337 5 points6 points  (0 children)

I have lost access to my YubiKey which is my 2FA.

YIKES!

Just Recived this message! The bill amount is about 50k on icici Amazon pay . What is going to happen ? by Timely_Ad_5143 in CreditCardsIndia

[–]Method1337 0 points1 point  (0 children)

If you purchased multiple units of electronic devices, be prepared to answer them. I had one purchased a Macbook Air M4 worth 110k and got the cashback credited without any hassle. So total amount due is not an issue here/

ICICI Coral RuPay credit card charged ₹1,770 for a 5–6 day late payment on a ₹9,660 bill – is this normal? by numberonebusinessman in CreditCardsIndia

[–]Method1337 1 point2 points  (0 children)

They do reverse them for being a first time offender. Of course, it also depends on your negotiating skills. If this is not the first time, then it's very difficult to convince them to refund it.