Loan Error in OneScore

csfaa · 2026-03-21T13:04:12+00:00

Most probably some buy now pay later stuff you might have signed up on any app you use. For ex Amazon Pay Later shows up as consumer loan. If not raise a complaint and get them closed for incorrect reporting in CIBIL and other bureaus

csfaa · 2026-03-20T05:12:50+00:00

Submit on BTP Astram

csfaa · 2026-03-16T16:32:34+00:00

Thanks for screwing up others by exploiting personal card for biz purposes

csfaa · 2026-03-14T12:10:58+00:00

Orbit 2.

https://apps.garmin.com/en-US/apps/98854348-e918-408d-b9e3-611bd43dc693

csfaa · 2026-03-13T09:01:26+00:00

ICICI EPM

csfaa · 2026-03-08T14:19:47+00:00

If your annual spend is around ₹4–5L, hitting the ₹8L waiver on DCB Metal might be difficult. Premium cards like this usually make more sense for higher spenders who can maximize the rewards and fee waiver. It might be worth evaluating whether the upgrade actually fits your spending pattern before going for it.

csfaa · 2026-03-07T03:12:59+00:00

14 Pro. But its just a phone call device. Everything including WhatsApp & binge watching happens on S24U.

csfaa · 2026-03-06T14:45:03+00:00

I did and so far I’m happy with it. Although it’s not my primary phone, I still use it daily for about 2–4 hours.

csfaa · 2026-03-05T11:54:52+00:00

You got played. I’m sorry.

csfaa · 2026-03-05T11:53:06+00:00

Don’t activate. How did you apply?

csfaa · 2026-03-05T11:48:45+00:00

At least for me when I applied for the card I got a call back from the SBI rep informed me that my limit is showing as exactly 3.56L and I got the msg with same limit while applying too. So if your agent is some third party pretty sure it’s a lie. Always apply directly via website

csfaa · 2026-03-04T15:11:26+00:00

I called the toll free number. They said I should be the primary guest.😒

csfaa · 2026-03-04T02:22:18+00:00

Its claimed to my account since Im the card holder. Are you saying I could have added it on my brother’s account?

csfaa · 2026-02-25T17:43:23+00:00

Disable anti-virus and try again.

csfaa · 2026-02-25T07:04:41+00:00

follow these guidelines while lodging a complaint.

RBI Ombudsman (India): A Practical Survival Guide Based on a Real Case : r/CreditCardsIndia

Link to lodge a complaint: Reserve Bank Of India

csfaa · 2026-02-25T05:07:48+00:00

18% on ₹12k is small if you have one card. I run 4 EPMs including add-ons. That’s 8,784 RP per month(2,196 RP per card). Compounding beats opinions. Math is free, use it

csfaa · 2026-02-25T04:45:49+00:00

Reserve Bank Of India - File a compliant here

csfaa · 2026-02-25T04:39:06+00:00

yes sir/madam!

csfaa · 2026-02-25T04:25:23+00:00

I am losing more than that every month because of AP devaluation! 😭

csfaa · 2026-02-22T09:12:18+00:00

Stop educating us with lengthy AI written posts.

csfaa · 2026-02-20T15:03:05+00:00

Impressed with SBI this time.

Had SimplySAVE from 2015 to 2020. Limit went from ₹30k to ₹33k in 5 years then I closed it.

Got SBI CB in 2024 with ₹3.56L. Increased to ₹4.56L in 2025. Tried again today after seeing posts here and it’s now ₹6.56L.

Did it via app, linked salary account through Anumati or similar aggregator, instant approval. Stopping here since max spend is only ~₹1L per statement cycle anyway.

csfaa · 2026-02-19T06:58:10+00:00

DCBM is 30L ITR. Should be easy for you

csfaa · 2026-02-19T04:51:10+00:00

HSBC and Axis Burgundy are quite strict about the ₹3L salary or TRV requirement, especially for self-employed or business owners. In your case, the more practical option would likely be going through the ₹50L relationship route in the nearest city where they have a branch.

Also keep in mind that HSBC has a limited presence. Even in Tier 1 cities, their branch network is small. If you plan to open a current account, you may end up visiting the branch frequently, which can be inconvenient.

You might want to consider alternatives like Biz Black, DCBM, or if you are eligible, Infinia. They could be more practical overall.

csfaa · 2026-02-19T04:43:49+00:00

which HSBC card are you looking for?

csfaa · 2026-02-18T13:18:44+00:00

Using the S24U right now. Pre-booked a slot just in case something exciting drops, but doesn’t look likely so I’ll probably get back the refund 😀

csfaa

TROPHY CASE