KunjanPSD Posted April 15 Report Share Posted April 15 3 hours ago, Bird Bird Bird said: Gone. Get Magnus, buy Zomato Vouchers. Redeem miles. Live happy. Quote Link to comment Share on other sites More sharing options...
VelivolusDas Posted April 15 Report Share Posted April 15 Yep, I got that email, too. Quote Link to comment Share on other sites More sharing options...
AtheK Posted April 16 Report Share Posted April 16 18 hours ago, VelivolusDas said: Yep, I got that email, too. Ya same, it has served it's purpose. 1 Quote Link to comment Share on other sites More sharing options...
R1shabh Posted April 20 Report Share Posted April 20 Took a risk to use a relatively new app called CheQ today to pay outstanding credit bills in excess of 3L and received around 1500 as Amazon cashback. Not too much but everything is either capped at 750 or doesn't pay anything at all like Gpay or Netbanking. Atleast I was able to recover transaction fee levied at one of the portal. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 20 Report Share Posted April 20 37 minutes ago, R1shabh said: Took a risk to use a relatively new app called CheQ today to pay outstanding credit bills in excess of 3L and received around 1500 as Amazon cashback. Not too much but everything is either capped at 750 or doesn't pay anything at all like Gpay or Netbanking. Atleast I was able to recover transaction fee levied at one of the portal. Hardly new. It's has been fully utilised over the last 3-4 months and now the rewards are heavily devalued. They even clawed back some points recently. Multiple payment failures. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 20 Report Share Posted April 20 40 minutes ago, R1shabh said: Took a risk to use a relatively new app called CheQ today to pay outstanding credit bills in excess of 3L and received around 1500 as Amazon cashback. Not too much but everything is either capped at 750 or doesn't pay anything at all like Gpay or Netbanking. Atleast I was able to recover transaction fee levied at one of the portal. I have access but not sure how fast they credit payment to cc account ? Cred, for all it's useless points, credits the amount almost instantly. How fast is Cheq ? Quote Link to comment Share on other sites More sharing options...
dante77 Posted April 20 Report Share Posted April 20 The only reason I use cred is because it is so fun to use. Points are useless. Quote Link to comment Share on other sites More sharing options...
R1shabh Posted April 20 Report Share Posted April 20 17 minutes ago, Bird Bird Bird said: I have access but not sure how fast they credit payment to cc account ? Cred, for all it's useless points, credits the amount almost instantly. How fast is Cheq ? It took couple of hrs to get the message from ICICI, not sure how long it actually took. HDFC was almost instant. How does it matter? It should just be credited successfully as last date is still far away in most cases. UX is pretty much uncluttered as there's nothing else other than CC payment I guess. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 20 Report Share Posted April 20 19 minutes ago, R1shabh said: How does it matter? It should just be credited successfully as last date is still far away in most cases. Yeah, that's the actual question. What happens if the amount is not credited to the CC account ? I once had an issue with Cred, and they were very quick to resolve. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 20 Report Share Posted April 20 3 minutes ago, Bird Bird Bird said: Yeah, that's the actual question. What happens if the amount is not credited to the CC account ? I once had an issue with Cred, and they were very quick to resolve. This issue is fairly common with Cred and lately, Cheq. You can get quick resolution or might have to wait a bit. For a few points, I don't think it is worth it. Better just do IMPS to cc account. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 20 Report Share Posted April 20 Just now, KunjanPSD said: This issue is fairly common with Cred and lately, Cheq. You can get quick resolution or might have to wait a bit. For a few points, I don't think it is worth it. Better just do IMPS to cc account. Essentially cred does IMPS to CC account. I've only faced issue once since Cred launched. Been super quick to settle transactions tbh. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 20 Report Share Posted April 20 10 minutes ago, Bird Bird Bird said: Essentially cred does IMPS to CC account. I've only faced issue once since Cred launched. Been super quick to settle transactions tbh. Not necessarily. I have seen Cred doing NEFT on various of my txns. Depends on the CC and the issuing bank. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 22 Report Share Posted April 22 How many of you guys use Slice or Uni or something similar? Looking to know about their reward system where you get a redeemable currency like coins/monies and how one redeems those for what value. Quote Link to comment Share on other sites More sharing options...
dante77 Posted April 22 Report Share Posted April 22 1 hour ago, KunjanPSD said: How many of you guys use Slice or Uni or something similar? Looking to know about their reward system where you get a redeemable currency like coins/monies and how one redeems those for what value. I had Uni but it got discontinued on Dec as per RBI guidelines. Not sure if it would be worth now as it will have different rewards. Quote Link to comment Share on other sites More sharing options...
dante77 Posted April 22 Report Share Posted April 22 (edited) 2 hours ago, KunjanPSD said: How many of you guys use Slice or Uni or something similar? Looking to know about their reward system where you get a redeemable currency like coins/monies and how one redeems those for what value. About rewards, it used to give straight up 1% Cashback if you pay in full, which can be used to pay the bill itself. No strings attached. Edited April 22 by dante77 Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted April 27 Report Share Posted April 27 Need some help . Applied for tata neu hdfc ltf card. They asked to submit physical income documents to be mailed (Did that). They did the Vkyc and Ekyc. Also did physical verification . and now declined the application without any reason . What can i do , these fxxxxx wasted my time for no reason. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 27 Report Share Posted April 27 (edited) 3 hours ago, rushab oswal said: Need some help . Applied for tata neu hdfc ltf card. They asked to submit physical income documents to be mailed (Did that). They did the Vkyc and Ekyc. Also did physical verification . and now declined the application without any reason . What can i do , these fxxxxx wasted my time for no reason. Was your CIBIL hit? Anyway, send them a mail citing RBI circular in which detailed reason for rejection of the application needs to be provided and then also mention your credit history etc etc and then ask them to consider again. Here is the relevant text: I request you to provide me the exact reason for not approving my application as per RBI rule i.e. Refer to Ser 6(a) (i) of this document https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300 If they don't reconsider and the reason is unsatisfactory, you try raising it to pno/head-cc. Edited April 27 by KunjanPSD 1 1 Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted April 28 Report Share Posted April 28 10 hours ago, KunjanPSD said: Was your CIBIL hit? Anyway, send them a mail citing RBI circular in which detailed reason for rejection of the application needs to be provided and then also mention your credit history etc etc and then ask them to consider again. Here is the relevant text: I request you to provide me the exact reason for not approving my application as per RBI rule i.e. Refer to Ser 6(a) (i) of this document https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300 If they don't reconsider and the reason is unsatisfactory, you try raising it to pno/head-cc. Yes cibil was hit. il do this thanks. But man this is absoulte crap from hdfc. My cibil is 790+ and still the shenanigans XD Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted April 28 Report Share Posted April 28 57 minutes ago, rushab oswal said: Yes cibil was hit. il do this thanks. But man this is absoulte crap from hdfc. My cibil is 790+ and still the shenanigans XD Do you already have 2 cards from HDFC? Anyway, very common for CC applications to be messed up, so send the mail and wait patiently. Axis once declined my application and did not disclose the reason. Sent them the mail and after a tussle found out that it was because of failed work address verification. Some stupid ground agent put my employer as Deepak Nitrite in Gujarat as supposed to my real company in Gurgaon. Got that sorted out later. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted April 28 Report Share Posted April 28 I'm trying to get Axis Vistara Infinite, but Pharma/Medicine etc is not even an option in their drop-down list of employed sector. Any way out ? They ask employer details etc, but none of the other options are remotely close to the industry I work in. Quote Link to comment Share on other sites More sharing options...
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