Trader by chart, optimizer by habit. Credit cards, rewards, travel hacks & equity.
Joined July 2010
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Day 58 of 10K steps done. ❌️
Due to some last minute plans, couldn't complete the steps 🙃
Tomorrow gonna be hectic as well but will try to plan better and complete...
Bill generated because there was payment of prev month dues which is not visible here....
If no spends and no bill payments then bill doesn't get generated.
Day 57 of 10K steps done. ✅
I honestly thought I wouldn't be able to complete it today since I spent almost an hour swimming. 🏊♂️
But once again, towards the end of the day, I just got up, went for a walk and completed my 10K..
At this point, even I'm surprised by myself. 😅
Jitne bhi bade ho jao…
Pocket se achanak ₹50 mil jaaye toh 2 minute ke liye lagta hai aaj toh party hogi 😂💸
A friend missed his HDFC credit card bill payment by 4 days.
Due date was 21st.
No reminder from the bank until today, 25th!
He paid immediately after receiving the reminder.
HDFC is ready to waive the late fee, but what about the CIBIL hit?
Has anyone been in a similar situation and managed to avoid the CIBIL impact?
Some people, especially bankers, are asking why blame the bank when the customer missed the payment.
Yes, humans make mistakes.
That's exactly why reminders and notifications exist!
My question is simple:
If HDFC can send a reminder on the 25th, why couldn't it send one before the 21st, on the due date, or even during the grace period?
Why does the reminder arrive only after the grace period is over, when the customer could face a CIBIL impact?
Yes, the customer made a mistake.
But shouldn't the bank take some responsibility for its notification practices too?
Some people, especially bankers, are asking why blame the bank when the customer missed the payment.
Yes, humans make mistakes.
That's exactly why reminders and notifications exist!
My question is simple:
If HDFC can send a reminder on the 25th, why couldn't it send one before the 21st, on the due date, or even during the grace period?
Why does the reminder arrive only after the grace period is over, when the customer could face a CIBIL impact?
Yes, the customer made a mistake.
But shouldn't the bank take some responsibility for its notification practices too?
A friend missed his HDFC credit card bill payment by 4 days.
Due date was 21st.
No reminder from the bank until today, 25th!
He paid immediately after receiving the reminder.
HDFC is ready to waive the late fee, but what about the CIBIL hit?
Has anyone been in a similar situation and managed to avoid the CIBIL impact?
Suggestions for places to explore in Mumbai on a Sunday?
Don't want to go to Marine Drive or the Fort area this time. 😀
