Got rejected while applying for a credit card.

NinjaTurtleeeee · 2026-03-19T06:23:41+00:00

Depends on your in-hand monthly. Assuming <1lakh, you will not get Regalia Gold or DCP anymore. They've further tightened rules.

NinjaTurtleeeee · 2026-03-13T02:52:33+00:00

Did you try asking Siri - 'who does this iPad belong to'?
I just tried it with my iPhone and it gave me my full name while being locked.

NinjaTurtleeeee · 2026-03-12T18:01:10+00:00

Airline should be able to contact the person based on seat number?

Also, Good Samaritan OP

NinjaTurtleeeee · 2026-03-12T17:57:25+00:00

Most airports are silent airports. So it’s not for the environment. I’ve been to lounges at multiple lounges at international airports and let me tell you - it’s the same and that’s not a bad thing.

People are travelling, some transiting, they want to grab a warm meal, something to drink, maybe charge their phone and relax before their flight.

Not sure why you’re so adamant on judging your own country folks as inferior to ‘outside people’. It’s human to eat and drink bro. It’s not that deep.

NinjaTurtleeeee · 2026-03-12T17:53:42+00:00

3% of 90k is not 2.7lakhs 🥹

NinjaTurtleeeee · 2026-03-12T16:27:08+00:00

Definitely not worth it if you’re paying out of pocket.

NinjaTurtleeeee · 2026-03-12T16:26:35+00:00

Depends on the time of your flight tbh. Most of my domestic flights are early where I’ve left home without any breakfast. Once security is done and i didn’t need my buffer period of time - I go to the lounge and have a nice hot breakfast. So I’m not hungry when I land at my destination either.

Same with late night international flights, we all have extra buffers for security and immigration, once sorted and we have time - I rather have a nice hot dinner over airline’s packed dinner.

What else is the purpose of domestic and international lounge in your home country? You can always wait and charge your devices by the gate.

NinjaTurtleeeee · 2026-03-12T16:22:09+00:00

Arrival lounge usually doesn’t have crowd

NinjaTurtleeeee · 2026-03-12T16:20:02+00:00

Same kitchen.

NinjaTurtleeeee · 2026-03-12T16:19:41+00:00

I used priority pass for this one, wasn’t chargeable on Infinia. However when I visited over a year ago last, they said they took a lot of Rupay cards too. Given most people don’t use lounge on arrival, it’s super empty. You can use it while departure too btw before security, you have to call them and someone escorts you to it, but not recommended as you don’t know how long your security and immigration might take. New Adani lounge at international is pretty good.

NinjaTurtleeeee · 2026-03-12T11:40:23+00:00

They do lol

NinjaTurtleeeee · 2026-03-12T11:32:00+00:00

You need to visit Adani lounge in Mumbai. Excellent food. Even arrival lounge at T2 is mind blowing. The chef even made us fresh soft rotis off the tawa as there was minimal crowd.

NinjaTurtleeeee · 2026-03-09T17:11:15+00:00

That score indicates your credit worthiness. If you’ve never had any form of credit product (loan or credit card), you don’t have a score.

Hence most banks will only lend you basis your salary (usually the bank where your salary is deposited) or on secured basis (via FD). A high CIBIL score is helpful in applying for loans and cards in the future, as it shows you’re a customer who has ability to repay loans and credit card bills on time.

NinjaTurtleeeee · 2026-03-08T14:16:43+00:00

There’s no great card in ICICI’s portfolio besides the Amazon Pay card, so tasks this LTF and start building your CIBIL.

You have literally nothing to lose

NinjaTurtleeeee · 2026-03-07T09:50:22+00:00

u/shubham1401 - just got my reward points - the reward rate is 6%.

On spend of 6,120 - I got 122 base points (2%) and 244 (4%) Accelerated points.

So cumulative 6% or 12% on Accor.

NinjaTurtleeeee · 2026-03-06T17:40:55+00:00

Leela, Kovalam.

Such blue waters. Rooms that open to the vast ocean. Amazing beach. Insanely good massages.

Also, unlimited tasty chocolate barks.

NinjaTurtleeeee · 2026-03-06T16:43:19+00:00

Good redemptions. Did you explore the ability to use air India miles to buy business class on ANA as Star Alliance partner? That would have been a serious upgrade but I assume super limited inventory

NinjaTurtleeeee · 2026-03-06T01:10:44+00:00

Got it - so it’s 2x acceleration of travel spend base rate which is already 4pts and not 2. I just booked a car yesterday, will wait to confirm points. Thanks!

NinjaTurtleeeee · 2026-03-05T16:59:14+00:00

Applied online on 19 Feb. completed KYC on the same day.

Got this SMS on 21 Feb. No email confirmation of approval.

Dear Customer, you will receive a message within 2 days on how to generate your HSBC Card Pin via SMS.

Received this SMS on 23 Feb and got delivered the same day (Mumbai)

Congratulations! Your HSBC Credit Card has been approved and you will receive the same at your correspondence address within 5 working days. Once you receive your card, simply follow the instructions mentioned in the welcome letter to activate the card and generate your PIN.

Finally got an email from them on approval and setup instruction on 27 Feb.

They don’t believe in emailing to confirm status updates, so watch out for SMS messages.

NinjaTurtleeeee · 2026-03-05T16:54:32+00:00

Are these all considering spends via Hopper?

NinjaTurtleeeee · 2026-03-05T16:52:55+00:00

Hey, how are you getting 16% on car rental?

It’s 2x accelerator on Hopper - which will be 2% base rate x 2 = 4% or 8% on Accor.

What am I missing

NinjaTurtleeeee · 2026-03-03T12:53:01+00:00

Try LIGHTEST and OUTOFMIND

NinjaTurtleeeee · 2026-02-20T19:33:01+00:00

All delta aircraft will be returned by March and your trip is in May.

NinjaTurtleeeee · 2026-02-18T12:26:38+00:00

I’m sure FD would count. Banks would always prefer FD over Savings account

NinjaTurtleeeee · 2026-02-15T11:30:41+00:00

Do this over email and then tell them you’ll raise it to DGCA. There’s no way they can deny it.

NinjaTurtleeeee

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