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Ravisutanjani Profile picture
@Ravisutanjani
Aug 8, 2021 โ€ข 27 tweets โ€ข 7 min read โ€ข Read on X
I write about Credit Card, Personal Finance, Travel, and sometimes Startups! ๐Ÿ’ณ๐Ÿ’ฐโœˆ๏ธ

The thought is to spread awareness among such subjects without any hidden agenda, with community-driven & collective insights.

Thread of Thread (s) ๐Ÿงต| RT for Karma ๐Ÿ™
Here's an overview of the tracker and what we will read,

It takes time to write good content, I'm more than passionate to make at least 10Mn people financially aware, Thanks to Social Media/Twitter.

Also do let me know if any posts have helped you, I appreciate feedback, Image
โ€ข LIC Thread | Personal Finance (1)

โ€ข BYJU's Mis-selling | Awareness (2)

โ€ข Credit Cards (Part-1) | (3)

โ€ข Credit Cards (Part-2) | (4)

โ€ข Fintech App Experience | Personal Finance (5)

โ€ข Neobanks | Personal Finance (6)

โ€ข Mutual Fund Apps | Personal Finance (7)

โ€ข My 10 Favourite Fintech Apps | Personal Finance (8)

โ€ข How to choose a Debit Card | Personal Finance (9)

โ€ข Credit Score & Credit Report | Credit Cards (10)

โ€ข Trading Journey | Personal Finance (11)

โ€ข Basics of Personal Finance | Personal Finance (12)

โ€ข IPO | Personal Finance (13)

โ€ข Sovereign Gold Bonds | Personal Finance (14)

โ€ข CC Hacks, Tips | Credit Cards (15)

โ€ข Motherโ€™s Day Thread| Personal Finance (16)

โ€ข SIP in Stocks | Personal Finance (17)

โ€ข Aadhar OTP - Security | Awareness (18)

โ€ข Learnings #1 | Startups (19)

โ€ข Learnings #2 | Startups (20)

โ€ข Learnings #3 | Startups (21)

โ€ข Solo Travelling | Travel (22)

โ€ข Train Journey | Travel (23)

โ€ข Twitter Growth | Awareness (24)

โ€ข Personal Finance 101 ft Memes | Personal Finance (25)

โ€ข โ€ข โ€ข

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More from @Ravisutanjani

Ravisutanjani Profile picture
May 1
๐Ÿšจ Tax Complications on Credit Cards

Dhoni and Virat are Good Friends

Virat Wanted to Buy an iPhone for โ‚น1.5 Lakh

He Asked For Dhoniโ€™s HDFC Credit Card To Get โ‚น9,000 Instant Discount on Amazon

Important Thread, Share For Awareness
In this case,

Dhoni is using his Credit Card to help his friend get some discounts and cashback

Thereโ€™s nothing wrong in helping

But there are certain things that one should keep in mind while using a credit card. Letโ€™s understand ๐Ÿ‘‡
Banks and Financial Institutions are mandated to report any high-value transaction above โ‚น10 lakh through Form 61A

So what are the rules for Credit Cards?
Read 11 tweets
Ravisutanjani Profile picture
Apr 30
๐Ÿšจ RBIโ€™s 3 Days Grace Period - Credit Cards

Ever Missed Any Credit Card Payment?

Donโ€™t Panic! Banks Will Have To Provide 3 Days Grace Period From The Due Date

Read More About This RBI Policy, Share
This is what RBI Rules says Image
You can request waiver of any such deducted charges, your credit score wonโ€™t be affected if you manage to make payments within 3 days of the due date
Read 5 tweets
Ravisutanjani Profile picture
Apr 29
๐Ÿšจ RBI Issued New Guidelines Today

This is Expected to Give Huge Relief to Borrowers and Customers Paying Loan EMIs

And This Applies From Immediate Effects

Simplifying, Read and Share for Awareness
So RBI Released a New Notification Today Titled - Fair Practices Code for Lenders โ€“ Charging of Interest

Basically Many Banks And NBFCs Were Not Transparent in Charging of Interest

What Does This Mean For You?
Image
Image
a) Suppose your loan sanction date or agreement date is 15 April

But you received the loan disbursement on 10 May

In this case, many banks take 15 April as the date for the calculation of Interest

๐—ฅ๐—•๐—œ ๐˜€๐—ฎ๐˜†๐˜€ ๐—ก๐—ผ ๐— ๐—ผ๐—ฟ๐—ฒ

The disbursement date will be considered from now
Read 7 tweets
Ravisutanjani Profile picture
Apr 24
๐Ÿšจ Lost Your Smartphone?

Donโ€™t Panic, Read and Bookmark

How to Use Sanchaar Saathi Portal?

Video in the Last, Share for Awareness
This initiative lets you block your phone's IMEI, preventing misuse and potentially aiding recovery.

More Than 15.57 Mobiles Blocked and 8.56 Lakh Traced so Far

Here's a step-by-step guide: Image
Before you begin:

โ€ข File a police complaint: This is crucial. Get a copy of the FIR (First Information Report) for the next steps

โ€ข Know your IMEI: The IMEI is a unique identifier for your phone. You can find it by dialing *#06# or checking the box your phone came in Image
Read 9 tweets
Ravisutanjani Profile picture
Apr 22
๐Ÿšจ Important Thread on Digital Safety

India Loses Over โ‚น70,000 Crore Every Year to Cybercrime Annually

Parents and Women are Easy Targets for Cyber Scammers, Cases are Rising Every Day

Iโ€™m Writing Down 12 Most Common Mistakes

Discuss With Parents, Share and Bookmark
1) Urgency for Medical or Police Cases

Parents receive a call from someone that your son/daughter met with an accident and please transfer some money to take them to the hospital

Similarly, they have been arrested. And then ask for money
Also Beware from Deepfakes

Parents donโ€™t know much about AI, someone may even call with AI voice that looks like yours

Read More And Discuss - news.abplive.com/technology/deeโ€ฆ
Read 21 tweets
Ravisutanjani Profile picture
Apr 21
๐Ÿšจ Important for Wrong UPI Transaction

โ€ข File a Complaint with NPCI

โ€ข File a Complaint with the Bank

Ensure You Do This Within 48 Hours

Important Links and Video, RT for Awareness
โ€ข Complain to NPCI

Include all Important Details

โ€ข UTR
โ€ข Transaction Details
โ€ข Bank
โ€ข Date, Time
โ€ข Screenshots etc

Official Link - npci.org.in/what-we-do/upiโ€ฆ
Image
โ€ข Complain to Bank

๐‘๐ž๐ช๐ฎ๐ž๐ฌ๐ญ ๐Ÿ๐จ๐ซ ๐‘๐ž๐ฏ๐ž๐ซ๐ฌ๐š๐ฅ ๐จ๐Ÿ ๐„๐ซ๐ซ๐จ๐ง๐ž๐จ๐ฎ๐ฌ ๐”๐๐ˆ ๐“๐ซ๐š๐ง๐ฌ๐š๐œ๐ญ๐ข๐จ๐ง - โ‚น๐Ÿ“๐ŸŽ๐ŸŽ๐ŸŽ (Change Amount)

Dear SBI Customer Care

I am writing to request a reversal of an erroneous UPI transaction that I made on [Date] through Google Pay.

I mistakenly transferred โ‚น5000 to the following incorrect UPI ID: [Enter the Incorrect UPI ID]

I kindly request your assistance in reversing this transaction.
For your reference, my account details are as follows:

โ€ข Account Name: [Your Full Name]
โ€ข Account Number: [Account Number]
โ€ข Registered Mobile Number

I have attached a screenshot of the transaction details from Google Pay for your reference (if possible).

I would be grateful if you could investigate this matter and credit the โ‚น5000 back to my SBI account as soon as possible.

Thank you for your time and assistance.

Sincerely,
[Your Full Name]
Read 6 tweets

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