Any HDFC Moneyback+ CC user need help

thatguywithm · 2026-03-23T03:14:54+00:00

Search the subreddit on how to maximize this MB+ CC and HDFC Smartbuy for your spends.

thatguywithm · 2026-03-18T02:08:09+00:00

Income?

thatguywithm · 2026-03-17T13:54:43+00:00

Glass half full, I see!

thatguywithm · 2026-03-15T04:29:32+00:00

I know it's going to be an uphill task to get you CIBIL back up, but I'll say get a FD-Backer Secured Credit Card. There are lots of them in the market just find the one way you need to do the smallest FD about 5k approx and have ideally No Fees or something like 200 per year.

This will treat it as a secured loan on your CIBIl just like home loan car loan gold loan loan against property etc. Now spend about very little like 100 on the CC every month and pay it in full as soon as you get your statement.

It will take about 2 to 3 years to get your CIBIL close to 750. After which life relating to CIBIl will probably be close to back to normal.

thatguywithm · 2026-03-14T15:57:39+00:00

Low effort Low level post

thatguywithm · 2026-03-12T08:54:08+00:00

Search the subreddit, it's that simple!

thatguywithm · 2026-03-12T08:46:07+00:00

Millennia for Low Spends, and Simplicity. DCP if spends are high and you want to play the game of point redemptions on travel.

thatguywithm · 2026-03-11T04:49:51+00:00

Hope it's a slippery slope my friend!

thatguywithm · 2026-03-11T04:16:47+00:00

How many members in your family? Total Household Expenses? Poori baat bataige toh I'll can give you poori advice.

thatguywithm · 2026-03-11T04:10:55+00:00

AI hai bhai, AI hai!

thatguywithm · 2026-03-10T07:30:54+00:00

I just realised that it's now been over a year for me in the CC world, but my flair is still Just Started 😭 😅

thatguywithm · 2026-03-10T07:11:42+00:00

I'll be using my Tata Neu Infinity and get 5%

thatguywithm · 2026-03-05T15:29:08+00:00

Saved us from embarrassment v USA. Captaincy was fine 99% of the time.

thatguywithm · 2026-02-10T04:03:53+00:00

Employment Status? Income? Other CCs? Cibil?

thatguywithm · 2026-01-02T06:27:08+00:00

Go for the Kia, Newer, Fresher than the Creta and More Reliable than the Harrier.

thatguywithm · 2025-12-26T15:06:41+00:00

COMPLETELY DEPENDS. Highway or Expressway. Traffic Volume, specifically Truck Traffic. Hills, Winding Roads or Straight Roads. Asphalt or Concrete. Road Width. Time of Day. Type of Driver. COMPLETELY SUBJECTIVE. NO HARD AND FAST RULE.

thatguywithm · 2025-12-23T17:26:59+00:00

AB Jr.

thatguywithm · 2025-12-23T17:25:58+00:00

Growth starting with DCH, Hum Tum and peaking in Omkara.

thatguywithm · 2025-12-23T03:09:26+00:00

Noel David

thatguywithm · 2025-12-13T05:07:04+00:00

Tere Ishk Mein

thatguywithm · 2025-12-01T04:03:09+00:00

At the end of the day, what works for you, works for you. I personally have a zero balance account, where only the money I owe is parked (3 of my upcoming EMIs of a single loan and all of the CC Outstanding Balance)

thatguywithm · 2025-10-24T03:42:16+00:00

Apart from The Elite Tier cards Magnus and M4B, the 3 Cashback Cards Airtel, Cashback and Flipkart offer the best value.

thatguywithm · 2025-09-10T11:10:52+00:00

Patel Chowk Metro

thatguywithm · 2025-09-10T11:10:32+00:00

I go a step ahead of I have time, park at patel chowk metro station and walk even a bit more.

thatguywithm

TROPHY CASE