which credit card do you have & why?

which credit card do you have & why?

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Deal Newbie
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Which credit card are you using and what kind of benefits you are getting

10 Comments  |  
8 Dimers
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Deal Cadet
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Avoid as long as possible ..

Which one is better – depending on having card , like you travel then x card , if you do shopping online then x card .. if you just want to have it then x card ..

Not all Credit card are free to have , you may get annual waiver of based on you purchase.. for salaried it’s free no annual charge etc..

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Deal Subedar
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Last year I started a similar thread and eventually got many credit from top banks, most of the people in my circle say I am a fool to have this many cards, at first I disregarded them but of late I am in sync with their ideology ,

New CC aspirants please follow your monthly statement and go through it properly and also your CIBIL ,

ICICI messed my CIBIL and it took exactly 3 months follow up to undo it , even then my score has taken a hii , so please be cautious and only apply for cards only if you can handle.

@_One_Miller_

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Critic
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In one simple line: Take sbi simplyclick card either on salary slip basis or against FD & use that for at least an year. After that if you still think you need more/better card then come back here & ask again.

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Deal Subedar
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AnnamalaiNryaa wrote:

Last year I started a similar thread and eventually got many credit from top banks, most of the people in my circle say I am a fool to have this many cards, at first I disregarded them but of late I am in sync with their ideology ,

New CC aspirants please follow your monthly statement and go through it properly and also your CIBIL ,

ICICI messed my CIBIL and it took exactly 3 months follow up to undo it , even then my score has taken a hii , so please be cautious and only apply for cards only if you can handle.

@_One_Miller_

Why they messed with Cibil?

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Deal Subedar
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Alexios wrote:

Why they messed with Cibil?

Out of their own will , the reported a late payment to cibil.

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AnnamalaiNryaa wrote:

Out of their own will , the reported a late payment to cibil.

They reported late payment even when you paid it on time..?

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Deal Subedar
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dev007 wrote:

They reported late payment even when you paid it on time..?

Yes, that’s why I was able to remove it

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