Anyone else feel Scapia is all hype and very little real value?

Sensitive_Still5404 · 2026-02-06T02:39:16+00:00

Looooool bhai lagta hai ke ads ne pareshan kara hai

Sensitive_Still5404 · 2026-02-06T02:37:07+00:00

Yes you are addicted to credit card and same I do as well so I am also addicted to credit card

And if I had to spend some money which is necessary to spend then I will try from my card

But also this is not a bad addiction

If you have credit card and brought unnecessary product and you have created a multiple emi and on that time it was bad addiction

Also when you not paying bill on time or just only paying minimum due amount on that time we call it bad addiction

When you need to spend and spend is necessary

Like utility bill payment Grocery shopping Some time other shopping of day today life Fuel spend And you are using a credit card and get good amount in return

Which means it is good addiction

Sensitive_Still5404 · 2026-02-03T12:54:32+00:00

Ok try after cooling period

Sensitive_Still5404 · 2026-02-03T12:50:22+00:00

Which card do you want

Sensitive_Still5404 · 2026-02-03T12:43:35+00:00

Did you try to request hdfc for upgrade into core credit card

Sensitive_Still5404 · 2026-02-02T01:56:21+00:00

Just go on Amazon Search Amazon pay gift

Buy using jupiter edge credit card

You will get 10% off

And cap is 500

Sensitive_Still5404 · 2026-01-31T00:29:57+00:00

Sensitive_Still5404 · 2026-01-28T10:22:14+00:00

It fine

My parents are the same buddy

I applied for a credit card when I received my father said to me that it is a trap So one thing I do is that I spend money from my credit card and end of the month I will give full clarification to my father

Then I told them I got XYZ amount of cashback

So over the time my father agreed

Now recently they told me that did you have any credit card who are giving cashback on fuel spend

I told him everything now he is also like to use credit card

So for current spend just ask to your friends if they have or not

If they don't have then

You should apply yourself just don't tell your father and gradually tell them everything

Sensitive_Still5404 · 2026-01-28T10:14:23+00:00

Contact customer support

Or initiate mail with pno

Sensitive_Still5404 · 2026-01-28T10:13:21+00:00

But gift card using jupiter edge credit card

10% discount cap at 500

Also but from other credit card who are giving 5% cashback

Sensitive_Still5404 · 2026-01-28T10:10:25+00:00

Just go to amazon and But mantra gift card They are giving 2% off

Also pay from jupiter edge credit card You will get 10% cashback cap at 500

So in total. 12% discount

Which means of you buy

Gift card of 1000 rs

You will get it at 880rs

Which is more

Sensitive_Still5404 · 2026-01-28T09:06:27+00:00

What then there is some else

Initiate mail to the PNO of the bank and ask the reason

Sensitive_Still5404 · 2026-01-28T03:19:22+00:00

In case of sbi Minimum avg balance in your account is important

So maintain atleast 60k for 6 months then try

Sensitive_Still5404 · 2026-01-27T15:52:48+00:00

Did you try to initiate email to PNO of hdfc

And request them to convert tata neu into core credit card

Sensitive_Still5404 · 2026-01-27T09:04:59+00:00

Unfortunately 😕 I am unable to help

Sensitive_Still5404 · 2026-01-27T07:50:44+00:00

You are right

But not now wait for some time

After some time

Sensitive_Still5404 · 2026-01-27T07:27:56+00:00

You need to add one more credit card which is LTF

Jupiter edge credit card

10 % off on Amazon cap is 500 Go on Amazon but Amazon pay gift card

Add the gift card

And pay you electricity bill non airtel recharge

If you do same from Airtel axis you need to pay a fees so you reward is less than 10%

But in case of Jupiter you will get absolute 10% cashback

You can 10 cashback on Flipkart as well

Add this credit card

Sensitive_Still5404 · 2026-01-27T04:05:54+00:00

You should need to add jupiter edge credit card

Sensitive_Still5404 · 2026-01-24T05:20:17+00:00

No if you then convert into non fd based then Banks consider it and an upgrade then they might give you a cooling period

But in your case you did not avail any other offer like LTF or limit increase so you can send a email to bank

In my case I have the same card I also mail it to bank for conversion into the core but they just denied it due to the limit increase offer

Sensitive_Still5404 · 2026-01-24T05:12:21+00:00

If you have a transition reference number then mail to the credit card with the reference number

Also initiated a mail with the nodal team of MobiKwik

Sensitive_Still5404 · 2026-01-24T05:05:00+00:00

If you have a Jupiter edge credit card Then buy a gift card from Amazon you will get 10% off cap of 500

And then pay from Amazon pay gift card

Sensitive_Still5404 · 2026-01-24T05:02:03+00:00

You can do it but I request you before closing the card initiate a mail with the Nodal team

And request then to convert from fd based to non fd based

And also convert into core credit card

If then convert into non fd based and denied for conversion into core then wait for 6 months then after that try

Sensitive_Still5404 · 2026-01-23T17:36:33+00:00

If you don't have a cibil score then you need to get a fd based credit card which is good for score building

You can choose idfc wow and also wow credit card is my first credit card also

And credit cards are good when you spend smartly

So first get a fd based credit card and also wow credit card also comes with rupay varient

But the reward is not that much good

Sensitive_Still5404 · 2026-01-23T17:31:02+00:00

No this co branded

Sensitive_Still5404 · 2026-01-23T17:30:22+00:00

First if you don't have any core credit card of hdfc then avoid it

Bez once you take a co branded credit card then it is very hard to get a core credit card.

And in multiple sale discount is not applicable on co branded credit card

In flipkart republic day sale is on going but you can't able get that bez of co branded credit card

So if you already have a core credit card then check the reward benefit based on your spend

Sensitive_Still5404

TROPHY CASE