5 Years and 21 Credit Cards, ⬇️
Never paid a single ₹ as int, charges or penalty, using high-end cards that includes 3 American Express, 2 HDFC Diners, Citi etc.
Churned around 3 Lakhs till date in the form of Airline, Hotel Voucher, Cashback etc. (I maintain a tracker!)
Never paid a single ₹ as int, charges or penalty, using high-end cards that includes 3 American Express, 2 HDFC Diners, Citi etc.
Churned around 3 Lakhs till date in the form of Airline, Hotel Voucher, Cashback etc. (I maintain a tracker!)
https://twitter.com/deepakshenoy/status/1393488268465901577
I can certainly understand if someone uses a CC without any discipline they’re bound to fall into the debt trap,
As I said, it’s a pure blessing for people who know how to use them effectively, my TL is full of information about CCs and their amazing benefits.
As I said, it’s a pure blessing for people who know how to use them effectively, my TL is full of information about CCs and their amazing benefits.
You can conveniently pay via your bank accounts like UPI or Debit Cards, but technically you're funding the MDR which merchants pays to Bank/PG and they spends money on marketing,
That benefits aware CC holders, obviously banks doesn’t like us who pays before or on-time.
That benefits aware CC holders, obviously banks doesn’t like us who pays before or on-time.
I’m a credit card enthusiast for a long, never spent large amounts without a prior check.
99% of my transaction gets settled via CC, My one piece of advice to newbies -
'Get a credit card that offers 1.5-2% real cashback on all transactions, load money first and spend.'
99% of my transaction gets settled via CC, My one piece of advice to newbies -
'Get a credit card that offers 1.5-2% real cashback on all transactions, load money first and spend.'
Once you understand the product, you are happy to utilise the limits but never ever overspend.
Not only you will build a great credit score, but your underwriter will be happy to offer you a decent credit limit increase.
Super helpful when you plan for a home loan etc.
Not only you will build a great credit score, but your underwriter will be happy to offer you a decent credit limit increase.
Super helpful when you plan for a home loan etc.
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