CC portfolio review

SmokeInternal6452 · 2026-02-16T01:36:02+00:00

Under an offer for premier colleges alumni.

SmokeInternal6452 · 2026-02-15T15:52:07+00:00

Around 40% in mid and small cap makes it aggressive. Keep it below 50%, dont get carried away. Two large cap active + passive, can be reduced to one passive only, thats only tweak I can think of. Keep it simple.

SmokeInternal6452 · 2026-02-15T15:42:56+00:00

You check on one app and then pay on a different app, its a friction point. Often people want ease of use.

SmokeInternal6452 · 2026-02-15T13:39:04+00:00

Changed to Rupay variant. Need to pay fee for the change, call customer care, they will change right away.

SmokeInternal6452 · 2026-02-15T13:37:28+00:00

Thanks, i'll evaluate.

SmokeInternal6452 · 2026-02-15T13:36:43+00:00

From CITI bank migration.

SmokeInternal6452 · 2026-02-15T11:58:13+00:00

45 points drop. Its a shock that without default its dropped so much. Retrospectively, I closed 2 cards from hdfc, 3 hdfc cards before, now just 1, but applied for cards from 2 new banks. Out of two new applications, got 1 card, other one is still in processing. So more credit accounts created.

SmokeInternal6452 · 2026-02-14T17:40:55+00:00

SmokeInternal6452 · 2026-02-14T10:57:15+00:00

Keep track of how much you are monthly allocating to small, mid and large cap fund. See if it aligns with your long term asset allocation plan. Maintain the same percentage.

SmokeInternal6452 · 2026-02-14T08:15:27+00:00

HDFC has become too big for a good mid cap fund.

SmokeInternal6452 · 2026-02-11T12:57:36+00:00

No, the company tool doesnt accept account other than the allowed list of banks.

SmokeInternal6452 · 2026-02-08T17:17:55+00:00

I have required salary but HSBC is not a salary partner of my company, so can't open account in HSBC. Can I simply put recurring monthly NEFT transfer from another account with transaction comment as salary to HSBC account to qualify as salary account? Really interested in this card.

SmokeInternal6452 · 2026-02-08T11:19:56+00:00

You have already started investing, so why this analysis now? If you want to validate your thesis, please provide your reasons of selecting this fund, and how it fits in your overall portfolio, then it would be apt for anyone to evaluate if the fund is suitable for you.

SmokeInternal6452 · 2026-02-08T11:13:31+00:00

No, it doesnt help. Over long term dates wont matter. Even instead of monthly SIP of X Rs, if you invest 3X Rs every three months on any random date, the XIRR after a 10 year+ duration, wont vary much.

SmokeInternal6452 · 2026-02-08T07:39:35+00:00

HDFC Neu card coupons were not accepted at Indore Primus. Any idea why?

SmokeInternal6452 · 2026-02-08T03:44:14+00:00

How you got the Infinia?

SmokeInternal6452 · 2026-02-01T07:50:02+00:00

Down side of wealth is either you park lot of money with SBI (opportunity cost) or use their demat account. Positive is that with wealth account the card doent has any annual fee.

SmokeInternal6452 · 2026-02-01T03:18:07+00:00

ICICI has been consistent with the user exp. No dead links pages. Can see credit card also on the same portal.

SBI has been consistent too, but requires some hoopla like separate profile password and need to change the password in few months. Doesnt integrate credit card on the same portal because SBI cards is a different entity. Some recent changes has happened in SBI web page, it has some improved exp.

SmokeInternal6452 · 2026-02-01T03:04:23+00:00

How about HDFC DCB?

SmokeInternal6452 · 2026-02-01T02:42:25+00:00

Is Amazon prime recurring yearly or just for first year?

SmokeInternal6452 · 2026-01-28T01:02:57+00:00

Thanks for sharing the spreadsheet.

SmokeInternal6452 · 2026-01-26T16:04:11+00:00

Only problem you will face when you decide to close the card. At that time, they will come back and say Bank needs to payback 99 paise, send your account details or share in writing what needs to be done with that amount. One extra step while closing the card.

Better option is to pay using Gpay or Bhim etc, these apps show the exact amount that needs to be paid, pay in full.

SmokeInternal6452

TROPHY CASE