dylanjosh Posted December 1, 2023 Report Share Posted December 1, 2023 (edited) Guys I got a fraudulent transaction on my ICICI cc. Some hotmart 60 usd sub. I'll dispute it and probably block the card. My question is what happens to the remaining amount on the card I'm yet to pay? And what happens to the EMI I have on that card? Edited December 1, 2023 by dylanjosh Quote Link to comment Share on other sites More sharing options...
Houndini Posted December 1, 2023 Report Share Posted December 1, 2023 52 minutes ago, KunjanPSD said: I don't think the focus of the conversation was bottom of the barrel lounges. Scapia or any other LTF/entry level card is not going to provide access to any of the decent lounges. A lounge which caters to such cards will become a langar. The whole point was about going up the card ladder so that you can get Premium CCs which provide better rewards and benefits. Premium Lounge access was just one of the benefits (with Priority Pass) ex: Dubai, BKK etc. So many people on IVG have posted about their international travels recently, it's not uncommon. If something has to be judged by the worst case scenario of one benefit, might as well give up all of your Credit cards or just pay up for the business class. Card based premium lounge as still bottom of the barrel. I was recently that MIA's Turkish lounge - which is where all business class + premium card members can go. They had so many people only business class was allowed inside. All card based access holders were in a long queue outside the lounge. I think it's just better to have a card with Priority Pass/Dragon Pass and AMEX. Should cover most places. Will also argue that unless you're going to severely off beat locations, most airports are structured well enough to provide ample space, eating places and ways to spend time without lounge access (except US which has f**kall service everywhere). Quote Link to comment Share on other sites More sharing options...
R3D_D3ViL Posted December 1, 2023 Report Share Posted December 1, 2023 So i had got an offer for upgrade to Regalia Gold before devaluation of the regular Regalia. The new one did not entice me that much so forgone it then. How do I go about upgrading now if I want to? Dont want to get in touch with my RM...bugger is good for nothing. Quote Link to comment Share on other sites More sharing options...
SuperT Posted December 1, 2023 Report Share Posted December 1, 2023 2 minutes ago, R3D_D3ViL said: So i had got an offer for upgrade to Regalia Gold before devaluation of the regular Regalia. The new one did not entice me that much so forgone it then. How do I go about upgrading now if I want to? Dont want to get in touch with my RM...bugger is good for nothing. Shoot an email to Grievance.Redressalcc@hdfcbank.com 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 1, 2023 Report Share Posted December 1, 2023 39 minutes ago, R3D_D3ViL said: So i had got an offer for upgrade to Regalia Gold before devaluation of the regular Regalia. The new one did not entice me that much so forgone it then. How do I go about upgrading now if I want to? Dont want to get in touch with my RM...bugger is good for nothing. https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-services/credit-card-upgrade Apply here. 1 Quote Link to comment Share on other sites More sharing options...
Krazyniks Posted December 1, 2023 Report Share Posted December 1, 2023 7 hours ago, dylanjosh said: Guys I got a fraudulent transaction on my ICICI cc. Some hotmart 60 usd sub. I'll dispute it and probably block the card. My question is what happens to the remaining amount on the card I'm yet to pay? And what happens to the EMI I have on that card? Everything would/should be transferred to your new card by the bank itself. You won't have to do any immediate settlement or anything as such i believe. This happened with my cousin 2 years back on his HDFC card - A fraudulent transaction . He immediately got a call from CC asking if it was him cause that transaction was unlike anything he had done ever before. My cousin said no and they blocked his card and sent him a new one and everything (balance / RP etc ) was transferred to new card. Quote Link to comment Share on other sites More sharing options...
R3D_D3ViL Posted December 1, 2023 Report Share Posted December 1, 2023 8 hours ago, AtheK said: https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-services/credit-card-upgrade Apply here. It is not showing any upgrade.. Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 1, 2023 Report Share Posted December 1, 2023 1 hour ago, R3D_D3ViL said: It is not showing any upgrade.. the site keeps glitching, try tomorrow. It shows me Regalia Gold when I checked last. Quote Link to comment Share on other sites More sharing options...
Snake Posted December 2, 2023 Report Share Posted December 2, 2023 Just got the regalia gold card delivered, looks really classy. now gotta read ip on how to maximise the use on this card. Also whats the best way to get a limit increase?? Been the same for some time 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 2, 2023 Report Share Posted December 2, 2023 1 minute ago, Snake said: Just got the regalia gold card delivered, looks really classy. now gotta read ip on how to maximise the use on this card. Also whats the best way to get a limit increase?? Been the same for some time Spend lot and lot of money 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted December 2, 2023 Report Share Posted December 2, 2023 21 minutes ago, AtheK said: Spend lot and lot of money Messa no HNI 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 2, 2023 Report Share Posted December 2, 2023 16 minutes ago, Snake said: Messa no HNI then be happy with the limit, you won't be able to exhaust it anyway 1 Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted December 2, 2023 Report Share Posted December 2, 2023 46 minutes ago, Snake said: Just got the regalia gold card delivered, looks really classy. now gotta read ip on how to maximise the use on this card. Also whats the best way to get a limit increase?? Been the same for some time Send payslips to Grievance and ask them to evaluate. If you a bank account and decent RM, ask them. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted December 2, 2023 Report Share Posted December 2, 2023 (edited) 1 hour ago, Snake said: Just got the regalia gold card delivered, looks really classy. now gotta read ip on how to maximise the use on this card. Also whats the best way to get a limit increase?? Been the same for some time Only way to get limit increase is to send your Salary slips or IT returns etc to their Chennai office. They don't do sh*t over email and will come back with same reply of sending documents to Chennai. Or contact your RM who can move the application on your behalf. Hdfc is stupid like that. Edited December 2, 2023 by harsh1387 Quote Link to comment Share on other sites More sharing options...
Snake Posted December 2, 2023 Report Share Posted December 2, 2023 1 hour ago, KunjanPSD said: Send payslips to Grievance and ask them to evaluate. If you a bank account and decent RM, ask them. 1 hour ago, harsh1387 said: Only way to get limit increase is to send your Salary slips or IT returns etc to their Chennai office. They don't do sh*t over email and will come back with same reply of sending documents to Chennai. Or contact your RM who can move the application on your behalf. Hdfc is stupid like that. RM is a chomu, will see about the sal slips Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 2, 2023 Report Share Posted December 2, 2023 1 hour ago, harsh1387 said: Only way to get limit increase is to send your Salary slips or IT returns etc to their Chennai office. They don't do sh*t over email and will come back with same reply of sending documents to Chennai. Or contact your RM who can move the application on your behalf. Hdfc is stupid like that. They have kept increasing my limit without me asking them and I don't even have savings account with them, it is close to 10 times of what I started with 3 years back. Quote Link to comment Share on other sites More sharing options...
R3D_D3ViL Posted December 2, 2023 Report Share Posted December 2, 2023 (edited) 21 hours ago, AtheK said: the site keeps glitching, try tomorrow. It shows me Regalia Gold when I checked last. No luck man...it is offering cards worse than what i hold now. Also the mail from CC is like fill up this upgrade form and send to us and we do not give pre-approved card offers to anyone. WTF! Edited December 2, 2023 by R3D_D3ViL Quote Link to comment Share on other sites More sharing options...
AtheK Posted December 2, 2023 Report Share Posted December 2, 2023 10 minutes ago, R3D_D3ViL said: No luck man...it is offering cards worse than what i hold now. Also the mail from CC is like fill up this upgrade form and send to us and we do not give pre-approved card offers to anyone. WTF! odd specially since you were offered before, I just checked again and it is showing Regalia Gold for me. Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted December 2, 2023 Report Share Posted December 2, 2023 57 minutes ago, AtheK said: They have kept increasing my limit without me asking them and I don't even have savings account with them, it is close to 10 times of what I started with 3 years back. They do that at their own discretion. My hdfc CC limit has been increased twice without asking. Wife's hdfc which is barely used started at 60k limit and is now at 6.5L limit without asking. But if we do need to ask them for Limit increase then documents need to be sent to Chennai branch. Hdfc is still ancient. All my icici cards stuff is done via email or just chat. Quote Link to comment Share on other sites More sharing options...
Mr_Mediocre Posted December 2, 2023 Report Share Posted December 2, 2023 42 minutes ago, harsh1387 said: They do that at their own discretion. My hdfc CC limit has been increased twice without asking. Wife's hdfc which is barely used started at 60k limit and is now at 6.5L limit without asking. But if we do need to ask them for Limit increase then documents need to be sent to Chennai branch. Hdfc is still ancient. All my icici cards stuff is done via email or just chat. All of it can be done over mail if you have a banking relationship with them. I have always done it over the mail. Also, more usage won't necessarily increase your limit, if your card has been dormant but they see increased balance and inflow to your account, you will be shown a carrot with higher CL. Quote Link to comment Share on other sites More sharing options...
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