Jump to content

Credit Card - Help & Recommendations


El Tigre Chino
 Share

Recommended Posts

23 hours ago, abhi90 said:

How much is it?

Anyways apart from @AtheK I don't think anyone here would fulfill that criteria!

 I so wish!!

 

The only option I am left with is to go with Emeralde, the way banks are making it tough to get cards, maybe I should bite the bullet.

Link to comment
Share on other sites

On 9/25/2024 at 8:47 PM, KunjanPSD said:

Booked a unicorn.

 

ANA Business class with their "The Room" Cabin.

HND - JFK for Aug'25.

 

Had to fork a little extra miles than just DEL - JFK and will have to reposition to HND by spending time and money.

But this has been on the bucket list and booking this is almost impossible.

 

Notes:

1. Cost: 110k United miles + 4k in taxes.

2. The same flight is going for 7.22L INR in revenue, assuming a post set-off cost of 7.2L, i.e. a value of 6.54 INR per mile.

3. I am tempted to instead jump on DEL - JFK if SQ J opens up as it costs the same amount but without repositioning. Not as much of a unicorn but one of the top 3.

Will take a call when I see one.

 

Nice. It is on my bucket list but I'm out of UA / AC miles. :(

 

However, I was able to book JAL F suite in their new A351 on DFW-HND for Sep'25. The revenue rate is 11.2 lacs and booked for 85k miles + 19k surcharge.

Edited by TheMonark
  • Like 1
Link to comment
Share on other sites

  • 1 month later...
32 minutes ago, abhi90 said:

Boyos need some advice. I need to pay off a friend's CC bill. What's the best way to do it? (don't want to use Cred)


NEFT transfer with CC number as the account number and for the IFSC code, you can google the bank’s code for CC payments. 

  • Like 1
Link to comment
Share on other sites

  • 2 weeks later...
1 hour ago, KunjanPSD said:

You cannot be more vague.
But let's say you have RG/DCB/Infinia, get GVP and that gets you another 1% till 1L/month spend.
 


I have RG, need to get a flight tix for a family member 

Link to comment
Share on other sites

Anyone here use a priority pass?, is it worth it if you have limited intl travels. 

Link to comment
Share on other sites

3 hours ago, Snake said:

Anyone here use a priority pass?, is it worth it if you have limited intl travels. 

Priority Pass is only useful if you have complimentary uses with it.
In itself, a Priority Pass comes charges a membership fee and then charges 25/30$ per visit, so just a pass is not of any use.

You need to get a PP which provides you complimentary uses.

Link to comment
Share on other sites

So I was about to pay early to my HDFC card on cred, found out that I can't pay early anymore. 

 

Cred says as per HDFC Policy, I can only pay when there is a bill due. When did this happen? 

 

Such a retard move. And why would they even do that? 

Link to comment
Share on other sites

15 hours ago, KunjanPSD said:

Priority Pass is only useful if you have complimentary uses with it.
In itself, a Priority Pass comes charges a membership fee and then charges 25/30$ per visit, so just a pass is not of any use.

You need to get a PP which provides you complimentary uses.


I remember my hdfc RG CC has a complimentary priority pass. So should I get it?

Link to comment
Share on other sites

6 hours ago, Snake said:


I remember my hdfc RG CC has a complimentary priority pass. So should I get it?

Yes get it, you have complimentary visits, I think 8 in a year, dont use it in domestic international terminal though or you will be charged.

Link to comment
Share on other sites

11 hours ago, dante77 said:

So I was about to pay early to my HDFC card on cred, found out that I can't pay early anymore. 

 

Cred says as per HDFC Policy, I can only pay when there is a bill due. When did this happen? 

 

Such a retard move. And why would they even do that? 

 

 

Also you cant pay more than how much is pending. Like if bill is 19,910, you cant pay 20k. You have to pay exact amt. 

 

 

Link to comment
Share on other sites

5 hours ago, AtheK said:

Yes get it, you have complimentary visits, I think 8 in a year, dont use it in domestic international terminal though or you will be charged.

Cool I’ll apply asap

Link to comment
Share on other sites

I am buying some electronics. Site is offering no-cost EMI on 2 cards which I have - Amex Gold charge card and Axis Ace

 

will I be able to pre-close the no-cost EMI loan on these 2 cards without any pre-closure charges?

 

There's also an instant discount. Will I lose this instant discount if I pre-close?

Link to comment
Share on other sites

3 hours ago, 0verlord said:

I am buying some electronics. Site is offering no-cost EMI on 2 cards which I have - Amex Gold charge card and Axis Ace

 

will I be able to pre-close the no-cost EMI loan on these 2 cards without any pre-closure charges?

 

There's also an instant discount. Will I lose this instant discount if I pre-close?

Saving money via pre-closure is a thing of the past.

Axis will levy pre-closure charges, I am not sure about Amex but they have been on top of this ever since it started, I wouldn't pull this with them.

Link to comment
Share on other sites

54 minutes ago, KunjanPSD said:

Saving money via pre-closure is a thing of the past.

Axis will levy pre-closure charges, I am not sure about Amex but they have been on top of this ever since it started, I wouldn't pull this with them.

Thanks a lot 👍

Link to comment
Share on other sites

  • 2 weeks later...

So HDFC gave me option to pay my CC bill, I paid early and those MFs actually returned me my money after 2 days and my bill is pending again! So no way to pay your credit card bill early :panic:

 

This is a pretty shitty move and I see absolutely no benefit coming out of it. Why the f**k would they do that. It's not on news as well. Anybody has idea WHY?!!! 

Link to comment
Share on other sites

14 minutes ago, dante77 said:

So HDFC gave me option to pay my CC bill, I paid early and those MFs actually returned me my money after 2 days and my bill is pending again! So no way to pay your credit card bill early :panic:

 

This is a pretty shitty move and I see absolutely no benefit coming out of it. Why the f**k would they do that. It's not on news as well. Anybody has idea WHY?!!! 

It's because everyone now has to mandatorily use bill pay. You can pay by direct transfer to card account using UPI, I guess. Third party apps won't work but if you have HDFC account then you can easily do it as well.

Link to comment
Share on other sites

1 hour ago, KunjanPSD said:

It's because everyone now has to mandatorily use bill pay. You can pay by direct transfer to card account using UPI, I guess. Third party apps won't work but if you have HDFC account then you can easily do it as well.

I did it with my HDFC account only. Cred doesn't allow to pay advance anymore. Account allowed me, but refunded today. 

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Restore formatting

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...