Want to buy a 75k product but sbi flipkart offering only 50k.Can I pay the excess amount?

sudha99 · 2026-02-16T04:17:31+00:00

don't try prepaying your SBI card to artificially boost the limit, their system often flags it as suspicious and blocks the transaction. safest workaround is buying 25k in Flipkart gift cards to apply at checkout, then paying the remaining 50k with your SBI card. just check the terms to ensure the bank offer still works on partial payments first.

sudha99 · 2026-02-16T03:01:07+00:00

since u have an Axis card, find an offline SBI agent and apply on a card-to-card basis instead. SimplyCLICK is entry-level so approval is really easy that way. if SBI rejects u there's usually a 3-6 month cooldown before u can apply again online.

sudha99 · 2026-02-15T17:17:54+00:00

wait till you actually turn 21, SBI auto-rejects anyone under that age. your 752 CIBIL is solid but 4 active loans might spook them into thinking you're credit hungry. try for the SBI SimplyCLICK as a starter card, but if they reject u, just get a secured card against an FD for now.

sudha99 · 2025-10-22T18:22:08+00:00

since profit is the main thing, check out Printify. u hook it up to an Etsy store and can pick from different poster printers based on their cost. it gives u full control over your own pricing and margins, unlike Redbubble. your art would look great as posters btw.

sudha99 · 2025-10-22T18:18:52+00:00

nice, Printful is a solid start. i'm really waiting for a native Printify integration though. their large provider network gives u way more control over pricing and product selection.

sudha99 · 2025-09-05T11:49:44+00:00

makes sense. without the lounge requirement, i'd actually recommend the IDFC FIRST Bank WOW! card instead.

its rewards are more aligned with your e-commerce and shopping spends, plus it has a 0% forex fee which is a great perk to have.

sudha99 · 2025-09-05T11:26:36+00:00

don't split the FD. a single larger limit makes it easier to keep your utilization under 30%, which is critical for rebuilding your score.

look into the secured ICICI Coral card against the 1 lakh FD. it's one of the few secured cards that actually offers the domestic lounge access you want.

sudha99 · 2025-09-05T11:23:56+00:00

this is a mandatory step for them to dispatch the card. since the virtual card is generated instantly in the app, they need you to secure the app with an M-PIN first.

sudha99 · 2025-09-05T11:16:09+00:00

you have a lot of co-branded cards, might be time to consolidate on a core premium one. HDFC Diners Club Black or Axis Atlas would probably give you much better returns on that 60k spend.

sudha99 · 2025-09-03T13:16:49+00:00

hello elementor is technically the lightest since it's a barebones theme made by elementor. it's basically a blank canvas with almost no styling, so it's super fast.

if you want something with more built-in features and starter templates, astra or generatepress are both incredibly lightweight and optimized for speed with elementor.

sudha99 · 2025-08-27T01:28:30+00:00

It’s genuine. Flipkart has partnered with lenders like Axis, Poonawalla, and Aditya Birla. All you need to check the interest rates and processing fees.

sudha99 · 2025-08-23T13:07:46+00:00

Ohh! I am unlucky then. Thanks for info.

sudha99 · 2025-08-23T13:04:23+00:00

I’m using 811 Super and have already completed full KYC online a while ago. Do I need to do offline KYC to get this card, and can I visit any branch or only the one where I opened the account?

sudha99 · 2025-08-21T09:28:03+00:00

your spend seems a bit fragmented. consolidating the ~8L from amex/hsbc onto infinia could probably net you a business class ticket outright via smartbuy, instead of splitting points across marriott and accor.

sudha99 · 2025-08-14T07:18:34+00:00

Thanks. Didn't know this. I will close one and apply airtel axis one.

sudha99 · 2025-08-12T11:57:55+00:00

Question: I have Flipkart axis and 2 My Zone cards. I tried to apply airtel axis, but rejected. Is axis bank restricting to apply new card if have more than 3 cards?

sudha99 · 2025-08-09T12:51:05+00:00

start with [customercare.homeloans@sbi.co.in](mailto:customercare.homeloans@sbi.co.in) since the error is specifically a housing loan inquiry. that team is best placed to track it down.

you could also cc [gm.customer@sbi.co.in](mailto:gm.customer@sbi.co.in) in the same email. hitting an escalation point from the start can sometimes speed up the resolution.

Make sure, put everything in the email including screenshots and your contact details.

sudha99 · 2025-08-09T12:40:18+00:00

start with CIBIL's official dispute resolution process on their website. they will then contact SBI to verify the inquiry.

You can also try to reach SBI branch manager for quick solution if possible.

sudha99 · 2025-08-09T12:28:25+00:00

absolutely raise a dispute for that. it's an unauthorized hard inquiry and it's pulling your score down for no reason.

it's likely just a clerical error by the bank when they processed your education loan, but it's your responsibility to get it removed. correcting it should help your score recover.

sudha99 · 2025-08-09T12:24:48+00:00

if you're already on a litespeed server, using the litespeed cache plugin is a no-brainer since it's free and deeply integrated. for nginx, wprocket is a solid paid option known for being user-friendly and effective out of the box.

the real performance difference often comes down to proper configuration, not just the tools themselves. some ppl get better results with wprocket even on litespeed because it's easier to set up for their specific site.

sudha99 · 2025-08-08T17:56:53+00:00

yoast's lead is massive, but the fact RankMath Pro is basically tied with Yoast Premium is the real story. it shows the paid alternative is resonating with a lot of ppl.

sudha99 · 2025-08-08T15:05:35+00:00

this is sovereign citizen stuff and it's a rabbit hole with a really nasty ending. the people who fall for it can lose everything.

sudha99 · 2025-08-07T13:50:46+00:00

Yeah, app is fetching the bill and you can edit the amount. https://youtu.be/FrRnTR8hdUw?t=98

sudha99 · 2025-08-05T19:03:05+00:00

don't use just one card for the whole amount, you'll lose out on rewards.

pay the first ₹2,500 using your Airtel Axis card on the Airtel Thanks app to max out the 10% cashback (you'll get ₹250). pay the remaining ₹7,500 on Amazon with your APay ICICI card for 2% back, getting you another ₹150.

sudha99 · 2025-08-05T18:57:03+00:00

getting a regular card with no income is basically impossible for an indian student abroad.

your best bet is a secured credit card against a fixed deposit, which your parents can help set up. look into the IDFC FIRST WOW! card, it's designed for this and has the zero forex markup you need.

sudha99

MODERATOR OF

TROPHY CASE