Team-BHP > Shifting gears


Reply
 
Thread Tools Search this Thread
Old 10th November 2021, 09:36   #4996
BHPian
 
Join Date: Dec 2009
Location: Bengaluru
Posts: 458
Thanked: 535 Times
Default Re: The Credit Card Thread

Sharing my experience of recent international credit card usage. I carried HDFC, ICICI & Std Chartered cards. Had enabled international transactions with healthy spend limits and also informed the respective banks before departure of the countries I planned to use them in.

From a conversion perspective SC was ~15p more than HDFC & ICICI, but, largely quite reasonable. SC Ultimate returns a 1.5% cashback, so was a bit upset when the primary card stopped within a few transactions stating security reasons. Fortunately I have a supplementary card, quickly enabled and it worked occasionally being again rejected several times due to security reasons. ICICI did well but like SC choked often.

Big thanks to HDFC, never let me down, never choked. They would promptly call when I attempted big transactions and authorised them at the 2nd attempt. Being Visa, I was able to make payments via Gpay NFC, much needed to contain fraud.
vinu_h is offline   (2) Thanks
Old 10th November 2021, 10:43   #4997
BHPian
 
Join Date: Mar 2018
Location: Thane - MH04
Posts: 392
Thanked: 1,501 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by vinu_h View Post
Being Visa, I was able to make payments via Gpay NFC, much needed to contain fraud.
Can you elaborate more on this? Sorry but I am not aware that GPay could be used across the globe and hence the query.

If yes, then how does it work?
sunilch is offline   (1) Thanks
Old 10th November 2021, 10:45   #4998
BHPian
 
Join Date: Jun 2019
Location: Raipur
Posts: 368
Thanked: 1,247 Times
Default Re: The Credit Card Thread

Anybody know if the normal Infinia and the new Infinia Metal actually have any differences?
AnandB is offline  
Old 10th November 2021, 11:30   #4999
Senior - BHPian
 
Join Date: Sep 2019
Location: Pune
Posts: 1,399
Thanked: 3,695 Times
Default Re: The Credit Card Thread

Does anyone on the forum have an experience of using the CRED app ? How does it work practically ? Any data safety issues ?
fhdowntheline is offline  
Old 10th November 2021, 11:42   #5000
BHPian
 
Join Date: Apr 2019
Location: Bangalore
Posts: 221
Thanked: 1,356 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by fhdowntheline View Post
Does anyone on the forum have an experience of using the CRED app ? How does it work practically ? Any data safety issues ?
I use it regularly. Accumulated a lot of points too, which seem useless to me but a lot of friends say they got some good offers. Used those points to donate around 80L of oxygen during the second wave.

No issues with the app so far either in terms of safety.

How does it work: You map your card, pay bills every month using either UPI or debit card, etc. and get points. Use points to get discounts on different things ranging from electronics to shaving kits, jewelry etc.
ValarMorghulis is online now  
Old 12th November 2021, 14:53   #5001
BHPian
 
turbospooler's Avatar
 
Join Date: Mar 2013
Location: Pune
Posts: 257
Thanked: 442 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by AnandB View Post
Anybody know if the normal Infinia and the new Infinia Metal actually have any differences?
Difference in terms of features?
There are none.
turbospooler is offline   (1) Thanks
Old 16th November 2021, 08:22   #5002
Senior - BHPian
 
speedmiester's Avatar
 
Join Date: Jul 2006
Location: bangalore
Posts: 2,038
Thanked: 3,890 Times
Default Re: The Credit Card Thread

I am facing with paying for LinkedIn subscription which is mapped to my HDFC credit card. Since the new RBI regulations kicked in, the card was charged as usual.
LinkedIn have not been helpful and so is HDFC as I cannot seem to connect with a customer care executive.

Anyone faced this issue and any solutions for this?
speedmiester is online now  
Old 16th November 2021, 08:38   #5003
Senior - BHPian
 
Join Date: Dec 2008
Location: Bangalore
Posts: 2,842
Thanked: 3,184 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by speedmiester View Post
I am facing with paying for LinkedIn subscription which is mapped to my HDFC credit card.

Anyone faced this issue and any solutions for this?
Same here. LinkedIn I think has totally mucked up the transition. In my case the linked card was from Citi. They did the Rs. 2 transaction etc. OK, but couldn't manage the renewal charge around early October. Nothing I did could help here. I eventually cancelled my Premium and signed up again for it, this time with a different card (HDFC) - the one month trial is ending in another week but now reading your post I'm skeptical they'll manage to do the right thing this time round either.
binand is online now  
Old 16th November 2021, 08:51   #5004
Senior - BHPian
 
speedmiester's Avatar
 
Join Date: Jul 2006
Location: bangalore
Posts: 2,038
Thanked: 3,890 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by binand View Post
Same here. LinkedIn I think has totally mucked up the transition. In my case the linked card was from Citi. They did the Rs. 2 transaction etc. OK, but couldn't manage the renewal charge around early October. Nothing I did could help here. I eventually cancelled my Premium and signed up again for it, this time with a different card (HDFC) - the one month trial is ending in another week but now reading your post I'm skeptical they'll manage to do the right thing this time round either.
Absolutely, I tried with multiple cards and none have worked. LinkedIn is useless in helping us out.
I cannot cancel my subscription as I will be losing a lot of data which is important for me.
speedmiester is online now  
Old 16th November 2021, 13:21   #5005
BHPian
 
JMaruru's Avatar
 
Join Date: Jun 2008
Location: Bengaluru/NYC
Posts: 683
Thanked: 276 Times
Default Re: The Credit Card Thread

I am facing this issue with 'ICICI Amazon Pay' CC on Uber rides. The booking is done on Uber with my 'ICICI Amazon Pay' CC and once the ride is completed it is unable to deduct the amount from CC and I have to manually do the same all over again.

Is there any workaround for the same? Why is this happening?
JMaruru is offline  
Old 16th November 2021, 14:57   #5006
Team-BHP Support
 
Chetan_Rao's Avatar
 
Join Date: Jul 2010
Location: Bangalore
Posts: 4,278
Thanked: 15,514 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by JMaruru View Post
...Why is this happening?
Isn't that two-factor-authentication at work? I've always had to complete the transaction manually afterwards with both my personal Visa and corporate AMEX card on separate Uber profiles.
Chetan_Rao is offline  
Old 16th November 2021, 15:37   #5007
BHPian
 
JMaruru's Avatar
 
Join Date: Jun 2008
Location: Bengaluru/NYC
Posts: 683
Thanked: 276 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by Chetan_Rao View Post
Isn't that two-factor-authentication at work? I've always had to complete the transaction manually afterwards with both my personal Visa and corporate AMEX card on separate Uber profiles.
Once the ride is completed, it pops a message 'Payment Failed'.
What's the point in providing the CC as the default payment option and storing CC details?

Is there anyway, we can disable the 2FA for 'Uber' transactions?
JMaruru is offline  
Old 16th November 2021, 16:26   #5008
Team-BHP Support
 
Chetan_Rao's Avatar
 
Join Date: Jul 2010
Location: Bangalore
Posts: 4,278
Thanked: 15,514 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by JMaruru View Post
Once the ride is completed, it pops a message 'Payment Failed'.
That's because it needs another manual step to complete the transaction. It does the same if you tag a UPI handle as payment method, you'll have to complete the transaction in your UPI app.

Quote:
What's the point in providing the CC as the default payment option and storing CC details?
Save a few clicks instead of adding the info each time, same as we do on online shopping portals.


Quote:
...Is there anyway, we can disable the 2FA for 'Uber' transactions?
It's an RBI mandate, so no, can't be disabled or bypassed.
Chetan_Rao is offline   (1) Thanks
Old 16th November 2021, 21:17   #5009
BHPian
 
Join Date: Apr 2021
Location: Chennai
Posts: 97
Thanked: 254 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by JMaruru View Post
Once the ride is completed, it pops a message 'Payment Failed'.
What's the point in providing the CC as the default payment option and storing CC details?

Is there anyway, we can disable the 2FA for 'Uber' transactions?
Is there any specific reason why you are not using paytm or Amazon pay?
Everlearner is offline  
Old 16th November 2021, 21:41   #5010
BHPian
 
JMaruru's Avatar
 
Join Date: Jun 2008
Location: Bengaluru/NYC
Posts: 683
Thanked: 276 Times
Default Re: The Credit Card Thread

Quote:
Originally Posted by Everlearner View Post
Is there any specific reason why you are not using paytm or Amazon pay?
NO particular reason as such. As I got this ICICI APay CC recently, so wanted to charge as much as possible to this card and also gain the cashbacks.
JMaruru is offline   (1) Thanks
Reply

Most Viewed
Thread Tools Search this Thread
Search this Thread:

Advanced Search

Copyright 2000 - 2022, Team-BHP.com
Proudly powered by E2E Networks