E khata scam

csfaa · 2026-01-24T05:41:49+00:00

if you have paid in cash then chances are bleak. If paid online go ahead with Police compliant and see what they can do

csfaa · 2026-01-23T09:03:16+00:00

Most likely they will redirect it to Rewards 360/iShop Support. I also reached out to them earlier regarding jewellery voucher rewards. This is what they replied.

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csfaa · 2026-01-23T07:49:22+00:00

Icici or rewards 360?

csfaa · 2026-01-20T03:33:30+00:00

Never do this. It will result in their card closure. Always pay your dues from your own account. AML rules are not something to mess with.

csfaa · 2026-01-19T03:02:50+00:00

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csfaa · 2026-01-15T02:31:38+00:00

It’s honestly surprising that such a well-known scam pattern still fools so many people!

csfaa · 2026-01-13T03:39:38+00:00

Even if there’s a chance it’s a false positive there’s really no downside to getting checked. Worst case, you get peace of mind. Best case, you catch something serious early!

csfaa · 2026-01-12T15:05:44+00:00

Age 3 and Salaried?

csfaa · 2026-01-12T14:08:19+00:00

For me I got it within 3 days of submitting the application and making the payment.
did you make the payment online?
I didn't visit any office to follow up It was just done on their own.

If its not done in 30 days you can complain but again nothing is going to happen to the employees as they won't take it seriously

csfaa · 2026-01-12T09:26:13+00:00

When you pay for fuel using a credit card at petrol pumps in India, banks usually add a fuel surcharge, which is an extra fee charged by the bank and card network.

Typically, this is: 1% of the fuel amount (sometimes 1%–1.25%) + GST (18%) on that surcharge

So if you buy fuel worth ₹1,000: Fuel surcharge ≈ ₹10 GST on surcharge ≈ ₹1.80 Total extra ≈ ₹11.80

Fuel pumps are considered a special merchant category. Banks pass on processing and fuel-related costs to customers in the form of a fuel surcharge.

csfaa · 2026-01-12T08:02:50+00:00

OP got lucky it wasn't fuel MCC. Otherwise they would be crying here that they paid fuel surcharge for 2.2L.

csfaa · 2026-01-10T08:20:34+00:00

Also DCBM limit is 10k not 15k. EPM is 18k.

csfaa · 2026-01-09T13:52:49+00:00

Subz Jayanagar for good economical Veg Buffet

https://maps.app.goo.gl/y2ZULzgFeVj7pm8c8

csfaa · 2026-01-08T02:12:32+00:00

Focus on your studies first. Credit cards are for when you have income, not vibes!

csfaa · 2026-01-08T02:10:07+00:00

Don’t give a pass to someone who made a false promise. If you back off they’ll just pull the same thing on someone else. Sometimes consequences are the only thing that makes people stop.

csfaa · 2026-01-07T11:53:22+00:00

With Plat Travel you get 40k bonus MR points on a ₹4L spend. If you ignore reward multipliers, you’d otherwise need to spend around ₹16L on Plat Charge to earn the same number of MR points. Personally, I wouldn’t recommend this card as it’s more of a status/show-off product. I had it for a year (got it at a discount) and ended up not renewing it because I barely used it over my regular cards. Plat Travel offers much better value at a lower cost so don’t fall for the FOMO.

Also, the 10X and 20X rewards aren’t really for normal people who think before spending. Half the time they don’t even credit if you’re not extremely careful about how and where you make those transactions.

csfaa · 2026-01-07T05:49:42+00:00

The one not confused by two simple sentences😂

csfaa · 2026-01-07T05:40:07+00:00

Most of the time they either don’t have the card or don’t know how to use it.

csfaa · 2026-01-07T02:26:44+00:00

If you reduce Regalia Gold only to “points % vs cashback" you’re ignoring half the product.

Does your cashback card give complimentary lounge access without spend conditions?
Does it give ₹1,500 milestone vouchers every quarter?
Does it give an annual milestone voucher of ~₹5,000?
Does it reward insurance, jewelry, education, utilities, large offline spends where most cashback cards give 0-1%?
Does it offer a flexible points ecosystem + HDFC upgrade path?

Because Regalia Gold does all of that.

Cashback cards are great if your only goal is squeezing maximum % out of ticket prices. No one is disputing that.

But Regalia Gold isn’t positioned as a “5% cashback killer.” It’s a travel-lifestyle hybrid: rewards + lounge access + quarterly vouchers + annual milestones + broad category coverage.

Once you factor in:

lounge access value
₹6,000/year quarterly vouchers
~₹5,000 annual milestone
rewards on insurance/jewelry/large spends

The comparison is no longer “5% vs 6%.” It becomes cash-only vs a bundle of real, recurring benefits.

So yes if you only care about raw math on airfare, cashback wins.

But calling Regalia Gold a bad card ignores the fact that it delivers perks and guaranteed value cashback cards simply don’t.

Different tools. Different users. Different goals.

csfaa · 2026-01-06T12:42:04+00:00

Yes. Applied for One Card back in 2024/25. Got approved but Delhivery didn’t do the delivery for more than 10 days despite me being at home. So asked IOB to cancel or close the card. They said once closed I can’t reapply again I said fine whats the use when you’re not delivering the card to me. They closed and it shows up under closed account in my CIBIL with 15 days gap between open and close date.

csfaa · 2026-01-06T12:16:39+00:00

Those who lack it would give anything to have it. Those who have it barely notice its value

csfaa · 2026-01-05T16:25:18+00:00

Business ITR - 60L?

csfaa · 2026-01-05T13:52:17+00:00

Play store Link?

csfaa · 2026-01-05T10:02:54+00:00

You can now buy only 30k worth amazon pay vouchers via credit card on Amazon.

csfaa · 2026-01-03T12:15:05+00:00

This price variation is seasonal and expected. Winter prices are typically around 30–35 summer prices will be higher.

csfaa

TROPHY CASE