Banking

I’m very frustrated with Axis Bank due to these hidden charges and dwindling cashback. Before I close my accounts, has anyone actually had success addressing these issues with the bank’s grievance cell or the RBI? As someone dealing with this, how do you distinguish a genuinely transparent bank from one that uses misleading promotions?

With online scams being so common now, I'm getting nervous about buying and selling. What are the best ways to verify individuals and use safer payment methods to ensure a legitimate transaction that protects both parties?

I'm thinking about getting a premium credit card, but my salary and the need for manager approval make me question if it's worth it. Should I just go for a more practical card that gives better everyday rewards without the stress?

Given my credit and income, should I choose a short-term personal loan, a credit union, or a balance transfer? I’m trying to weigh the fees against the interest costs to determine which option will save me more in the long run.

I'm tired of flashy cashback offers. When you factor in monthly fees and poor support, are these "premium" debit cards actually worth it? Or am I better off with a simple, low-fee card for my daily and international spending?

I'm planning to use the SHCIL e-Stamp portal, but I’m nervous about my payment getting lost. How can I ensure that my bank and the registrar are on the same page? What’s the best way to map my RTGS/NEFT payment to avoid delays?

@Siddarth With UPI being free and widely available, I’m wondering if there’s any point in still using the PhonePe wallet. Beyond the occasional cashback, does it actually offer anything unique? Can wallets even remain relevant in India, or are they becoming obsolete?

I have a solid payment history and low utilization, but my score took a hit. Should I stop obsessing over the short-term dip and focus on stabilizing my income and chipping away at balances? If I stay consistent, is it realistic to expect my score to climb back over 700 soon?

I've booked most of my trip, so my spending in Dubai will be low. Is a lifetime-free forex card really worth it, or should I use my no-markup credit card? I'm trying to determine which one is better when I consider reload fees and ATM charges.