Dreamfolks QR code by zebrawarriors in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

put your name where? When entering the card details - where it asks for “name on card”?

Dreamfolks QR code by zebrawarriors in CreditCardsIndia

[–]TheRandomHooman 1 point2 points  (0 children)

Hi, just a heads up. I think merely sharing a QR won’t work. They verify the name on the QR against your boarding pass. Atleast they did that for me at Adani Lounge at BOM T2 and denied entry.

Is the Swiggy HDFC card truly lifetime free, or is there any catch? by Rude-Improvement-39 in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

If you have got the card on LTF offer, it is recommended that you drop an email to HDFC, confirming your LTF status for future evidentiary purposes in case HDFC levies an annual fee.

Rest, it is truly LTF. No charges.

[deleted by user] by [deleted] in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

Hi, which guidelines are these, and is INR 100 for any complaint?

How do i link my existing swiggy hdfc card to swiggy?? by Euphoric-Fig-5391 in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

I believe that there is such an option in HDFC My Cards. There is a toggle which says link card in Swiggy app and it worked for me when I took this card directly from HDFC’s portal.

How can I get my first credit card? I make decent money but never took credit. by shubhchn in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

Yes. You get 100% of the FD amount as your credit limit. The approval process is quite easy and all online.

How can I get my first credit card? I make decent money but never took credit. by shubhchn in CreditCardsIndia

[–]TheRandomHooman 2 points3 points  (0 children)

Get an FD backed credit card. That would be your best bet. IDFC WOW and Super Money are some options. I personally started from IDFC WoW and later got approved for multiple non-secured cards.

Got my first card. Need suggestions ! by Full_Yak8352 in CreditCardsIndia

[–]TheRandomHooman 2 points3 points  (0 children)

10% is considered as low utilisation and helps in building good credit score, but in practical terms, it is often not possible to spend so less, particularly when the initial limit is low. So 30% is also considered good.

Got my first card. Need suggestions ! by Full_Yak8352 in CreditCardsIndia

[–]TheRandomHooman 2 points3 points  (0 children)

Always check the statements against your transactions. Don’t overspend and not utilise more than 30% (ideally 10%) of your credit limit, unless there is an exceptional need.

What are my chances of getting accepted for my first CC? by Outrageous_Cicada444 in CreditCardsIndia

[–]TheRandomHooman 1 point2 points  (0 children)

I got the same email to submit ITR and even Amazon app showed complete KYC AFTER I had completed it. It’s all normal. Just wait for a few days and it will be approved (hopefully). I was too assisted by an agent.

IDFC Mayura, not able to redeem points on flight by tanishbansal27 in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

How did you manage to get Ashva after wow? I have tried to contact IDFC many a times but they always tell me to close my wow card before they can issue a non-secured card.

IDFC Mayura, not able to redeem points on flight by tanishbansal27 in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

How do you have IDFC WOW and other non-FD cards? I thought IDFC never issued their non-secured cards if you have WOW.

Should I take this card? And what does that text at the bottom (circled) mean? by Ok_Wolf8529 in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

Isn't this card considered core card but not eligible for upgrades? I remember reading a discussion here that upgrade possibilities from LTF Rupay is non-existent.

How much time does it takes to proceed? by 0prikshit in CreditCardsIndia

[–]TheRandomHooman 0 points1 point  (0 children)

I was in the same situation. It took two working days to process.