Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 1 minute ago, playstationdude said: Biggest scam was moratorium. A friend opted for sbi cc moratorium, not only was he charged extra 3 month interest, he started getting harassed the very next month to pay the due. I mean, wtf is even the point of optimg for moratorium and paying extra interest if we need to even pay the amount as per timelines? Ch***** samjha hai Woh 2014 mein sochna chahiye tha 2 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, playstationdude said: Biggest scam was moratorium. A friend opted for sbi cc moratorium, not only was he charged extra 3 month interest, he started getting harassed the very next month to pay the due. I mean, wtf is even the point of optimg for moratorium and paying extra interest if we need to even pay the amount as per timelines? Ch***** samjha hai This happened to many people and SBI was the most atrocious. Everything is rigged to make you empty your pocket. Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 20, 2021 Report Share Posted January 20, 2021 3 minutes ago, Jigsaw said: True. I have seen enough kids swimming in debt because of ignorance. Credit line is not a reflection of your standing. If anything have super huge credit lines is just plain bad for your actual credit standing. Anyways hoping @Assassins Creed bro gets past the overdraft penalty. Arey I have 4-5 CC now, however most of them are clear. Should I get 1-2 cancelled? I can drop HSBC and SBI Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 20, 2021 Report Share Posted January 20, 2021 5 minutes ago, playstationdude said: Biggest scam was moratorium. A friend opted for sbi cc moratorium, not only was he charged extra 3 month interest, he started getting harassed the very next month to pay the due. I mean, wtf is even the point of optimg for moratorium and paying extra interest if we need to even pay the amount as per timelines? Ch***** samjha hai Government banks are there to harrass you. Good that i have kotak bank, never called me once 3 minutes ago, playstationdude said: Arey I have 4-5 CC now, however most of them are clear. Should I get 1-2 cancelled? I can drop HSBC and SBI Have you checked your CIBIL score? I have heard it doesnt like too many CC's Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, rushaboswal said: Government banks are there to harrass you. Good that i have kotak bank, never called me once Have you checked your CIBIL score? I have heard it doesnt like too many CC's Yeah, its around 877 Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, playstationdude said: Arey I have 4-5 CC now, however most of them are clear. Should I get 1-2 cancelled? I can drop HSBC and SBI If you're not using them why have them? Banks will find ways to charge you. Remember it costs them more to onboard a new customer than service existing ones. Many years ago I had a account which was dormant for years. The branch wouldn't close it because KPIs I eventually gave up fighting because CC would say branch, branch would. say CC. BC galat desh mein paida ho gaye hum. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, playstationdude said: Yeah, its around 877 Then how's mine 766 when i have one CC and no bad debt HOW DF this works? Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 1 minute ago, rushaboswal said: Government banks are there to harrass you. Good that i have kotak bank, never called me once Have you checked your CIBIL score? I have heard it doesnt like too many CC's Bhai Kotak ke toh kya Kehne. I get royal treatment just because of the wife Bas happy ending nahi dete Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, Jigsaw said: If you're not using them why have them? Banks will find ways to charge you. Remember it costs them more to onboard a new customer than service existing ones. Many years ago I had a account which was dormant for years. The branch wouldn't close it because KPIs I eventually gave up fighting because CC would say branch, branch would. say CC. BC galat desh mein paida ho gaye hum. Normally i make purchases via cc and then just pay off the amount immediately. Mostly use CC just for the discounts , tbh Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, playstationdude said: Normally i make purchases via cc and then just pay off the amount immediately. Mostly use CC just for the discounts , tbh Lolz I used to do exactly that. Doesn't matter much. As long as you pay in full by the due date, you're good. You're just a nuisance to them Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, Jigsaw said: Lolz I used to do exactly that. Doesn't matter much. As long as you pay in full by the due date, you're good. You're just a nuisance to them 4 out of those 5 CC are in -ve dues, i.e. ive overpaid 300-400 rs 1 Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 20, 2021 Report Share Posted January 20, 2021 4 minutes ago, rushaboswal said: Then how's mine 766 when i have one CC and no bad debt HOW DF this works? Have you used more than 40% credit limit? The score drops drastically if you do. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 20, 2021 Report Share Posted January 20, 2021 Just now, playstationdude said: Have you used more than 40% credit limit? The score drops drastically if you do. Use it 90% but pay it waaaaaaay before end time. Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 9 minutes ago, rushaboswal said: Then how's mine 766 when i have one CC and no bad debt HOW DF this works? Digital Foundry wale leadbutter uncle? Quote Link to comment Share on other sites More sharing options...
abhi90 Posted January 20, 2021 Report Share Posted January 20, 2021 3 minutes ago, Jigsaw said: Digital Foundry wale leadbutter uncle? 4k analysis of credit report with ray tracing 2 Quote Link to comment Share on other sites More sharing options...
Aercy Posted January 20, 2021 Report Share Posted January 20, 2021 1 hour ago, rushaboswal said: Will look into it thanks. Earlier only I was the one who needed full speeds , after quarantine full family needs full speeds Deco M5 is seriously good and affordable with current discounts. I wish I had gone for pack of 3 in the first place and saved more. Quote Link to comment Share on other sites More sharing options...
kittoo Posted January 20, 2021 Report Share Posted January 20, 2021 (edited) My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800 have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit). I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card. And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected. Edited January 20, 2021 by kittoo Quote Link to comment Share on other sites More sharing options...
funjabi Posted January 20, 2021 Report Share Posted January 20, 2021 2 minutes ago, kittoo said: My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800 have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit). I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card. And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected. Overqualified? Quote Link to comment Share on other sites More sharing options...
Bluebolt05 Posted January 20, 2021 Report Share Posted January 20, 2021 (edited) 12 minutes ago, kittoo said: My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800 have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit). I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card. And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected. Had a chat with someone in risk function of a bank long back. Any sort of excessive delay/writeoff/settlement/suit etc. within 5 years can be automatically declined. Didn't you just recently apply? Edited January 20, 2021 by Bluebolt05 Quote Link to comment Share on other sites More sharing options...
Jigsaw Posted January 20, 2021 Report Share Posted January 20, 2021 12 minutes ago, kittoo said: My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800. Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit). I am banker and know I should be the top candidate for a card to be given. Form 16 or it never happened 4 Quote Link to comment Share on other sites More sharing options...
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