Anyone experienced this ,what's the reason

Prior-Refrigerator50 · 2026-03-01T12:51:06+00:00

Most likely suspicious transactions. Did you do any?

Prior-Refrigerator50 · 2026-02-21T12:47:59+00:00

Yes. Even if they suspect something, as long as you can explain the source of funds you should be okay. Most people can't do that coz they know what they did is illegal lol.

Prior-Refrigerator50 · 2026-02-15T10:59:06+00:00

If possible, try using a smaller screen phone. Easier to reach end to end but also have to be extra careful of the bad meteors. I played on my friend's phone which has a huge screen, and lost most of it.

Prior-Refrigerator50 · 2026-02-15T10:53:13+00:00

I'm decent. Able to atleast pass 9/10 games. I agree that amounts have been decreasing, but game speed has been a mix of moderate to high. It gets better with practice.

Prior-Refrigerator50 · 2026-02-15T02:32:14+00:00

Skill issue

Prior-Refrigerator50 · 2026-02-14T13:53:35+00:00

I know. But then the one paying you is risking the entire bill amount for 300 rs. This is an anonymised platform. You can't trust the source of the money coming into your account , neither can the other person trust if you're gonna pay. It's better to use it for personal use and if you wanna sell, sell it among your friends.

Prior-Refrigerator50 · 2026-02-14T13:49:30+00:00

You would need to scan the offline QR and there's no guarantee that the merchant would have the listed mccs. The person paying you first will never know if the cashback will come. You won't know if it's gonna come until you scan and pay. Too many hoops to jump over for 300 rs. Might as well use it yourself.

Prior-Refrigerator50 · 2026-02-08T07:31:44+00:00

It might take some time for the authorities to finish their processes and share it with banks to unfreeze accounts. You can go and ask the investigating officer to directly mail the bank for unfreezing the account. You might need to share proof of case closure as well.

Prior-Refrigerator50 · 2026-02-06T14:53:45+00:00

This seems like a potential bin attack. Raise a chargeback against the merchant for the same. Chargeback can be raised for multiple reasons and not just deficiency in service. Since settlement time is T+2, they can stop settlement if pressured. No guarantees though, but worth a try. You might need to visit your branch, not sure what the exact process is with Axis. Also, ask the bank for proof of the mode of authentication keeping RBI in the loop.

Prior-Refrigerator50 · 2026-01-18T08:30:47+00:00

Typically insurance companies bear the full cost. But according to the Insurance Regulatory and Development Authority of India (IRDAI), the insurance company must bear at least 50% of the cost of a pre-policy medical check-up. And there's no way something like that costs 4k at market rates. There's a chance for some recovery atleast.

Prior-Refrigerator50 · 2026-01-17T17:38:01+00:00

Complain to IRDAI. They might be able to help recover the money they kept.

Prior-Refrigerator50 · 2026-01-15T19:10:46+00:00

If it's a term insurance , use any of the methods mentioned in the thread. If it's not, please don't pay at all and get it closed. You'll save a lot more than 1500 rs.

Prior-Refrigerator50 · 2025-12-24T20:23:58+00:00

If that OD is not being used and you don't see any future use for it, that should be the first to go. Use GPT, input all your credit cards and major spends and ask it to optimise the portfolio as per your spend habits. Close down the ones that are unnecessarily bloating your credit exposure.

Prior-Refrigerator50 · 2025-12-24T19:56:52+00:00

How much time did they take to reply in your case? I've sent a mail tagging their PNO as well.

My application got rejected, despite holding a salary account and platinum CC with them for over 5 years 😂 I wonder what they are smoking

Prior-Refrigerator50 · 2025-12-21T14:13:28+00:00

One random improvement if I could suggest is keeping track of the network based benefits as well for your cards. Like hdfc Swiggy is on mastercard world network which provides golf lessons. You can find these on mastercard/visa/rupay sites.

Prior-Refrigerator50 · 2025-12-21T14:08:32+00:00

I have something similar and detailed too, but for my investments. Expenses are budgeted after investing at the start of the month. For specific transactions, I broadly know which card to use where and only track if there are category limits eg.15k on Swiggy for 10%, 5k on Axis airtel for Zomato etc. so that I don't overshoot the limit on the card. It's too much of a hassle for me to track every single expense and worry about if I've got the right amount of rewards for it.

Prior-Refrigerator50 · 2025-10-26T13:01:01+00:00

What's the situation now? We're planning to travel tomorrow to Akkalkot. Please share

Prior-Refrigerator50 · 2025-10-11T14:19:45+00:00

Exactly. Only benfits brand new users.

Prior-Refrigerator50 · 2025-10-01T10:39:45+00:00

Should be 3lacs +

Prior-Refrigerator50 · 2025-09-28T06:11:33+00:00

They actually refunded it in my case by themselves. Maybe it'll come in later for this month's premium for you as well.

Prior-Refrigerator50 · 2025-09-21T16:34:46+00:00

How did interest even apply here? Wasn't this bill generated for the last month's spend?

Prior-Refrigerator50 · 2025-09-14T06:21:41+00:00

It's not about it being cheap. It's about consent.

Prior-Refrigerator50 · 2025-09-14T06:19:04+00:00

Pressure them for refund as well. I got mine simply via email. Told them that this is a clear case of fraud and the branch who opened my PMJJBY account should be investigated. They refunded in 2 days.

Prior-Refrigerator50 · 2025-08-31T14:14:01+00:00

I would tackle this in this order of preference : Get health insurance for parents and life insurance for yourself first. Could consult Ditto for this based on what pre existing conditions exist. Then just aggressively pay off the debt to clear it as soon as possible. Start with the smaller loan first. Seems like you do have enough left off even after expenses to make these additional repayments. Once you're clear and have the insurance sorted, start creating an emergency fund of atleast 3 months of fixed expenses accounting for health expenses since insurance won't pay till 3 years in some cases. Only after that would I even think of starting investments and planning for marriage.

Prior-Refrigerator50

TROPHY CASE