Jigsaw Posted December 23, 2020 Report Share Posted December 23, 2020 54 minutes ago, b!T said: Also your credit history takes a hit if you have a lot of credit lines? Might be wrong but read somewhere. It is true. Having ten cards in your wallet for flex is downright silly when you actually use only 2 all the time. 2 Quote Link to comment Share on other sites More sharing options...
Vip3r Posted December 23, 2020 Report Share Posted December 23, 2020 26 minutes ago, Jigsaw said: It is true. Having ten cards in your wallet for flex is downright silly when you actually use only 2 all the time. i have lifetime free amex and payment of 4 k in a month gives 1k reward points. the card is lifetime free and gives 7500 inr to me like clockwork every year. diners club gives 5% back on amazon like clockwork. other cards are with mom for emergency purchases since im out of station. and another for lounges. what's not to like? i took platinum card with waived off charges for a year and cancelled one day before renewal. ofc took around 5k shopping vouchers from them. never defaulted till date - took a couple of no cost emi so that may be one revenue that bank earned from me Quote Link to comment Share on other sites More sharing options...
Walker Posted December 23, 2020 Report Share Posted December 23, 2020 2001 - 4 credit cards, maxed out on all. 2002 - Personal loan to pay off cards. Took me until 2006 to actually pay off all the cards and the f**king loan too. It was the worst time. My self loathing was through the roof. I was ashamed and avoided almost all human contact. And 80% of my debt was due to booze. f**king never again. Actually lived hand to mouth and literally one meal a day for a really really long time. But oh boy when I was finally free. As a not very religious person I remember getting off the bus on the way home from work and spending a good half hour sitting and crying and thanking god in church. 6 4 Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted December 23, 2020 Report Share Posted December 23, 2020 5 minutes ago, Walker said: 2001 - 4 credit cards, maxed out on all. 2002 - Personal loan to pay off cards. Took me until 2006 to actually pay off all the cards and the f**king loan too. It was the worst time. My self loathing was through the roof. I was ashamed and avoided almost all human contact. And 80% of my debt was due to booze. f**king never again. Actually lived hand to mouth and literally one meal a day for a really really long time. But oh boy when I was finally free. As a not very religious person I remember getting off the bus on the way home from work and spending a good half hour sitting and crying and thanking god in church. You saw the light at the end of the tunnel. That’s what’s important. I have seen 23yr olds work dual jobs sleeping during their breaks to stay alive and conscious. That was shocking and yet a revelation of what ignorance and easy money (that one doesn’t have to begin with) can do to youngsters. 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 (edited) Way too many cards man, way too many, but don't feel like letting go of anyone of them [emoji14] To my credit though, 18 years and i have not paid a single rupee interest on any card!! Sent from my HD1911 using Tapatalk Edited December 23, 2020 by AtheK Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 23, 2020 Report Share Posted December 23, 2020 (edited) 1 hour ago, AtheK said: Way too many cards man, way too many, but don't feel like letting go of anyone of them To my credit though, 18 years and i have not paid a single rupee interest on any card!! Sent from my HD1911 using Tapatalk You are missing AMEX Also, try for Onecard. They have the lowest forex charges. I use it primarily when paying in foreign currency, and it's lifetime free. The best part - it's a metal card. Feels super premium, with high aesthetic considerations. I love handing it over offline. Great heft and handfeel. Edited December 23, 2020 by AtheK Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 (edited) 5 minutes ago, Bird Bird Bird said: You are missing AMEX Also, try for Onecard. They have the lowest forex charges. I use it primarily when paying in foreign currency, and it's lifetime free. The best part - it's a metal card. Feels super premium, with high aesthetic considerations. I love handing it over offline. Great heft and handfeel. I had Amex Gold but closed it sometime back, was getting too much to handle so many. Even will swap Elite the moment they tell me they won't make it complimentary, rest are all free Let me try onecard, other one i came very close to get was Axis Bank Flipkart First, thank god lockdown came and they could not pick docs from me. Yes Exclusive is an amazing card unlimited lounge access, got add on for missus too, both have unlimited lounge access now, though who the f**k is flying these days I have put the preffered by mistake here. Edited December 23, 2020 by AtheK Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 23, 2020 Report Share Posted December 23, 2020 2 minutes ago, AtheK said: Yes Preferred is an amazing card unlimied lounge access, got add on for missus too, both have unlimited lounge access now, though who the f**k is flying these days Lounge access is so common now that I sometimes preferred staying out of the lounge. Too congested, specially Mumbai, Delhi and Bangalore. Mumbai is the worst offender. Such a small space for every card holder. Better get Vistara Gold and enjoy the GVK lounge. My gold is going way in Jan. OTOH, Mumbai T2 is . I don't mind just spending some time roaming along the terminals. Spacious, well lit and well planned, and finding some lonely seating space is never an issue. Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 Just now, Bird Bird Bird said: Lounge access is so common now that I sometimes preferred staying out of the lounge. Too congested, specially Mumbai, Delhi and Bangalore. Mumbai is the worst offender. Such a small space for every card holder. Better get Vistara Gold and enjoy the GVK lounge. My gold is going way in Jan. OTOH, Mumbai T2 is . I don't mind just spending some time roaming along the terminals. Spacious, well lit and well planned, and finding some lonely seating space is never an issue. International Bro, domestic lounge any card is giving it. Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 23, 2020 Report Share Posted December 23, 2020 2 minutes ago, AtheK said: International Bro, domestic lounge any card is giving it. International is a distant dream now. Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 Just now, Bird Bird Bird said: International is a distant dream now. Even domestic, i will be sh*ting pants if i have to take flight anywhere, International to Bhoo jao, atleast till end of next year, good the card runs till 2025 Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted December 23, 2020 Report Share Posted December 23, 2020 (edited) 1 hour ago, AtheK said: Way too many cards man, way too many, but don't feel like letting go of anyone of them To my credit though, 18 years and i have not paid a single rupee interest on any card!! Sent from my HD1911 using Tapatalk Bhaiyya card pe peeche teen anko wala number bata do. Saare abhi actiwait karwa deta hoon. Edited December 23, 2020 by AtheK Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 6 minutes ago, Jigsaw said: Bhaiyya card pe peeche teen anko wala number bata do. Saare abhi actiwait karwa deta hoon. sab activated hain Aage ke 16 number bhi chahiye Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 23, 2020 Report Share Posted December 23, 2020 9 minutes ago, Jigsaw said: Bhaiyya card pe peeche teen anko wala number bata do. Saare abhi actiwait karwa deta hoon. Jamtara peeps be like 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 23, 2020 Report Share Posted December 23, 2020 Just now, Bird Bird Bird said: Jamtara peeps be like Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted December 25, 2020 Report Share Posted December 25, 2020 @abhinit90 Got the call from ICICI to cancel. Very persistent retention. But pulled it off. And yes cancelling this doesn’t affect the Amazon Pay card in any manner. Felt bad to break someone’s haret on Xmas but I ain’t no Jesus. Quote Link to comment Share on other sites More sharing options...
abhi90 Posted December 25, 2020 Report Share Posted December 25, 2020 36 minutes ago, Jigsaw said: @abhinit90 Got the call from ICICI to cancel. Very persistent retention. But pulled it off. And yes cancelling this doesn’t affect the Amazon Pay card in any manner. Felt bad to break someone’s haret on Xmas but I ain’t no Jesus. Did they offer an upgrade/ something. THat's a relief to hear. Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted December 25, 2020 Report Share Posted December 25, 2020 Just now, abhinit90 said: Did they offer an upgrade/ something. THat's a relief to hear. She was like. It’s better to have many cards. I’ll make this one lifetime free and you can use this and Amazon pay alternatively. I didn’t want to argue on the whole idea of how Amazon Pay 5% cash back is better so just plain refused politely. Also my card has that silly 1+1 BookMyShow Offer. Nobody’s right-swiped me on Tinder or Grinder yet till date. Anyhoo got a message confirming Perma Deactivation Quote Link to comment Share on other sites More sharing options...
abhi90 Posted December 25, 2020 Report Share Posted December 25, 2020 3 minutes ago, Jigsaw said: She was like. It’s better to have many cards. I’ll make this one lifetime free and you can use this and Amazon pay alternatively. I didn’t want to argue on the whole idea of how Amazon Pay 5% cash back is better so just plain refused politely. Also my card has that silly 1+1 BookMyShow Offer. Nobody’s right-swiped me on Tinder or Grinder yet till date. Anyhoo got a message confirming Perma Deactivation Finally chutti Quote Link to comment Share on other sites More sharing options...
KnackChap Posted January 12, 2021 Report Share Posted January 12, 2021 OH BC!!! Cred absolutely rocks. ?❤️ Quote Link to comment Share on other sites More sharing options...
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