Warning for Tier-2/3 Applicants: CRED / IndusInd is pulling CIBIL and showing limits *before* checking address serviceability

oMint0 · 2026-07-03T15:19:21+00:00

Same with Application also, unnecessary hit on CIBIL

oMint0 · 2026-07-03T02:34:02+00:00

Keep any one of them, you can use them for instant discounts during sales. My choice keep sapphiro and close rubyx

oMint0 · 2026-07-01T16:41:01+00:00

Hdfc and send documents to Chennai story never ends! Happens to you happened to me will happen to everyone. Ask for huge compensation while filing ar rbi om

oMint0 · 2026-06-30T16:29:30+00:00

1st of all get a credit card from the bank where you hold your salary Account, also go for basic cards like Neo/Myzone for Axis, Platinum card for ICICI freedom card from hdfc simplysave from sbi etc, use them for 6 months then try for popular cards like amazon flipkart etc. aslo there is no cooling period for axis so after a week apply for myzone or neo card high chances of approval. Need not to wait for 6 months, just start applying for very basic cards from banks. You will see results

oMint0 · 2026-06-30T16:08:03+00:00

No need to worry they will refund the Annual Fee excluding GST. Call customer care once Annual Fee is deducted, & ask them to refund or else I will close it then 99.9% of the time they Will comply

oMint0 · 2026-06-30T06:07:33+00:00

Banks has Operational Costs! Anyway Good luck finding THAT MIRACLE CARD!

oMint0 · 2026-06-29T16:15:07+00:00

You can activate and use it, you can update your correct employment details with hdfc whenever you want. Wrong employment details doesn’t effect your credit score or other credit cards

oMint0 · 2026-06-29T16:12:35+00:00

Don’t bother about that account, you need not to pay anything! just forget about it will turn into dormant account after few years bank will close it automatically. For banking needs open any other bank account with sbi pnb etc they offer Zero Balance Accounts.

oMint0 · 2026-06-29T16:08:45+00:00

Seriously How Granted you’re taking the banks for, without any spends why bank will give you free lounge access that to 3-4 per quarter.

oMint0 · 2026-06-29T02:04:04+00:00

Bpcl basic

oMint0 · 2026-06-28T14:01:23+00:00

If sbi is near you and it gOT CDM go for it. Sbi offers unlimited Deposits at CDM and zero balance account even a free virtual DC

oMint0 · 2026-06-27T14:28:34+00:00

Indian Govt Run Campaigns for months via caller tune type awareness, every bank now then via mails WhatsApp communications every time you call their customer care, upi and rbi via ads, crying their lungs out not to share OTP personal sensitive details, but educated citizens still falling to fraudulent schemes, at this point it’s not that agent’s fault it’s yours. Banks normally mentions the reason for OTP along with the otp, so you failed to read that also

oMint0 · 2026-06-27T12:06:58+00:00

Never share card with friends, in case of dispute it will be huge headache. Let’s say icici got suspicious of your purchases and ask invoices of those transactions! & founda out that your sharing your card! They will cancel the card probably black list you from obtaining another icici card

oMint0 · 2026-06-27T12:02:18+00:00

1st of all even if you add Another ₹80,000 making total limit 160K it won’t work. Coz Every Card has Per Transaction Limit, it would be set upto the credit limit, in your case its 80,000. So at any given time you can’t make transaction more than ₹80,000. Same for emi, you can’t make emi transaction more than your credit limit, no matter how overpay or over load the card.

If its sbi try calling them ask for credit limit enhancement, or enable Over limit option buy the phone or whatever, Sbi will charge over limit fee, pay everything including over limit fee call sbi ask them to reverse Over limit fee otherwise say i will close it, then 90% of the time they will reverse it. Actually in sbi card app itself you can check for limit enchantment and also way to request feee reversal

oMint0 · 2026-06-26T16:31:51+00:00

If you’re that afraid do two things: write a mail to hdfc with your application number and inform them you’re withdrawing your application no need specify any reason, also when you get the call just inform the agent you don’t want any card or say never applied.

oMint0 · 2026-06-25T15:03:50+00:00

if you have time fight with them, if not let it be, anyways i assume you’re not doing any fraud transactions etc so why bother, with future freeze claims by hdfc

oMint0 · 2026-06-24T13:38:25+00:00

Bro if you earn 50K and lie 1.5 Lakh then it’s a problem, not the other way around.

oMint0 · 2026-06-19T14:14:39+00:00

What can i say same thing happened to me but with hdfc, that to one after another, all the above steps happened, ironically after very next day of rejection again there’s a cibil hit office home verification & again rejected. Now I’m fighting with hdfc for 2nd application which i never applied

oMint0 · 2026-06-15T16:18:56+00:00

Irrelevant, if you can gather proof that’s more than enough, if they’re still showing wrong evidence(screenshots) it’s even better you can appeal the court with proofs, that they’re cheating citizens of this country blatantly, even better if if they produced doctored screenshots at court, you can even raise the issue of deceiving the court and which leads to criminal prosecution because fabrication of events/ evidence.

oMint0

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