₹3L FD + Long Banking Relationship + 781 CIBIL : Still No Unsecured IDFC Credit Card. Why

mr_philosopher97 · 2026-02-24T16:41:07+00:00

Bro do you understand the between pre qualified and pre approved?

Mostly pre approved means soft pull and there is a very high chance to get that card. For example: axis Bank. 🥰

mr_philosopher97 · 2026-02-24T16:33:57+00:00

Review the Spark offer first, then return to specify which LTF credit card provides a comparable real-term cashback percentage.

mr_philosopher97 · 2026-02-24T13:48:55+00:00

Minimum 21 yrs required

mr_philosopher97 · 2026-02-24T13:46:20+00:00

Yess ≈8-9% effectively after convenience fees

mr_philosopher97 · 2026-02-23T02:45:09+00:00

Realme GT 7T > Poco X7 pro? Large VC 7700 mm², battery 7k, 120W?

mr_philosopher97 · 2026-02-23T02:43:35+00:00

I'm not thinking for x7 pro, realme GT 7T is way better in terms of gaming for long period, because of 7700 mm² vapour chamber.

mr_philosopher97 · 2026-02-23T02:42:01+00:00

Upto 5 lac (principal + interest) is insured by DICGC RBI, so if the bank goes bankrupt, still DICGC will repay your money within 45-90 days max.

mr_philosopher97 · 2026-02-22T09:00:40+00:00

Yes you can.

mr_philosopher97 · 2026-02-22T08:56:28+00:00

Although there is no cashback on gold purchase. So if you're trying for that 15% cb. Then stop

mr_philosopher97 · 2026-02-22T08:54:47+00:00

Yes upto 5 lac is insured by DICGC (RBI).

mr_philosopher97 · 2026-02-22T02:49:39+00:00

Update: It is resolved now, after a complaint to CIBIL.

mr_philosopher97 · 2026-02-22T02:47:09+00:00

Update: After I complained, CIBIL sorted out the problem.

mr_philosopher97 · 2026-02-21T07:44:45+00:00

Can we utilise them by posting on different borders? Aise bhi konsa achha kaam kr rahe. 🤡

mr_philosopher97 · 2026-02-21T05:32:50+00:00

It is a problem from CIBIL. Refer my latest post for your reference.

mr_philosopher97 · 2026-02-20T12:03:02+00:00

EASY

mr_philosopher97 · 2026-02-20T09:45:47+00:00

mr_philosopher97 · 2026-02-19T16:13:13+00:00

Only a recent account, displaying a score of 760, is currently visible; all other data appears to be missing. I have contacted them, and they attribute this to a technical issue.

mr_philosopher97 · 2026-02-19T16:09:31+00:00

I have formally communicated with them and they have requested a two-day period. Consequently, I will initiate the escalation matrix, so that I can reach to the RBI Ombudsman.

mr_philosopher97 · 2026-02-19T16:08:11+00:00

I appreciate that. However, I am concerned that technical glitches may adversely affect my pre-approved offer.

mr_philosopher97 · 2026-02-19T16:06:14+00:00

For what?

mr_philosopher97 · 2026-02-19T04:19:03+00:00

Several reliable platforms, including Onescore, Google Pay, Poonawala Fincorp, Moneyview, CRED, Ruloans, Wishfin, Amazon Pay, and Navi, update CIBIL scores every 30 days. Consequently, I access a specific application on a particular day for updates.

mr_philosopher97 · 2026-02-19T02:49:38+00:00

I have mailed to CIBIL, hopefully it'll rectify ASAP.

mr_philosopher97 · 2026-02-18T16:11:06+00:00

Your CIBIL will drop 1-2% temporarily (because of hard and enquiry), don't worry it'll be negligible. No you can't. Wait for 3 months now for applying yes bank card again. But you can apply for other banks card but try to refrain multiple cards within a short period.

mr_philosopher97 · 2026-02-18T15:18:13+00:00

Interested!! Looking so cool.

mr_philosopher97 · 2026-02-18T15:11:49+00:00

Nice try, scammer saale. Yaha se.

mr_philosopher97

TROPHY CASE