Three banks in January, then a six-month wait

"Let's say it's January right now. Chase, Wells Fargo, Bank of America, that's three banks. And you have to wait a six-month cycle." - Baruj Mackliff, the Capital Commander #Banks #CreditCards #CapitalCommander

Three banks in January, then a six-month wait

"Let's say it's January right now. Chase, Wells Fargo, Bank of America, that's three banks. And you have to wait a six-month cycle." - Baruj Mackliff, the Capital Commander #Banks #CreditCards #CapitalCommander

Six-month cycles: when to apply to the next banks

"The number six is applied to a six-month cycle, to go to other banks. Now you're going to apply to four more banks." - Baruj Mackliff, the Capital Commander #CreditCards #Banks #CapitalCommander

Two Capital One cards still count as one bank

"This person now has one Capital One, another credit card of Capital One, which is the same bank." - Baruj Mackliff, the Capital Commander #CreditCards #PersonalCredit #CapitalCommander

X is sending me credit card offers. Yeah, I'll get right on that.

#SocialMedia #CreditCards #Twitter

"No-cost EMI" on a ₹60k laptop: GST on waived interest ₹478 + fee ₹235 = ₹712. And EMI usually kills 5% cashback (₹3,000).

EMI is a tool, not a discount.

#NoCostEMI #CreditCards

RBI rule: your bank must give you a Key Fact Statement + MITC when you get a card, and again when terms change. Fees, interest, reward rules in one place.

Never got yours? Ask.

#RBI #CreditCards

3 questions before any festive swipe:
1. What's the cap?
2. Does EMI cancel it?
3. Is this category excluded?

10% capped at ₹800 loses to 7.5% on a big cart. 5% on EMI is often 0%.

#CreditCards

Small business campaign challenges Labor's credit card surcharge policy

🤖 IA: It's not clickbait ✅
👥 Users: It's not clickbait ✅

#creditcards #policy

👇👇👇

ICYMI: Chase Refreshes IHG Credit Cards With New Premier Select and Offers Up to 210K Points: Chase has refreshed all four IHG credit cards, including a new $350 Premier Select card, higher fees on the Premier and Business cards, and launch offers worth up to… #Chase #IHG #CreditCards #TravelPoints

Dhanteras gold: Amazon Pay ICICI and SBI Cashback pay ₹0 on it.

₹1L at Tanishq: Tata Neu Infinity HDFC → ₹5,000 NeuCoins. Titan SBI → ₹3,000 vouchers.

#Dhanteras #CreditCards

RBI card rules: close a card → 7 working days or the bank pays you ₹500/day. One-time billing-cycle change. No activation without your OTP. Choose your network at issue/renewal.

#RBI #CreditCards

Flipkart BBD: Axis/ICICI cards get 10% off. Flipkart Axis also pays 5% back on the rest.

₹30k phone: ₹3,000 off + ₹1,350 back = ~14.5%. EMI kills the 5%.

#BigBillionDays #CreditCards

Americans Owe $1.26 Trillion on Credit Cards, Near a Record, and the Fed Is Raising Rates Again. Here’s What That Means for You.

Card balances hit $1.26 trillion in the New York Fed's latest report, and 12.8% of balances are 90+ days late. August data showed a dip,…

#CreditCards #Debt #Economy

Bank ignoring your card complaint? RBI Ombudsman 2026: up to ₹30L for loss + ₹3L harassment. Free.

1. Complain to bank in writing
2. Wait 30 days
3. File at cms.rbi.org.in

#RBI #CreditCards

₹30k phone, Amazon sale. SBI cards: 10% instant (₹3,000), cap TBD. Amazon Pay ICICI: 5% with Prime (₹1,500), no cap.

SBI wins unless its cap is under 5% of your cart. ICICI pays ₹0 on EMI.

#GreatIndianFestival #CreditCards

Amex MRCC (India): 50% renewal-fee waiver at ₹90k spend is ending. Only ₹1.5L+ gets the ₹4,500 fee waived. Points stop pooling across cards; late fee moves to Total Amount Due.

Don't spend ₹30k to save ₹4.5k.

#CreditCards #Amex

POV: you paid the "minimum due" and felt responsible.

₹50k bill, ₹2.5k paid. ₹47.5k now charges up to ~3.75% a month, and new swipes lose interest-free days.

Fix: auto-pay Total Amount Due. One toggle.

#SmallHabitsBigChange #CreditCards

Navratri tomorrow, Myntra sale live. HDFC cards: 10% off capped at ₹800. Flipkart SBI: 7.5% cashback.

Crossover = ₹10,667. Smaller cart, HDFC wins. Bigger cart, the 7.5% card wins.

#Navratri2026 #CreditCards

wealthytent.com · Adegbenga Adefemi

Everyone shares the “$1M in 0% cards” pitch, but almost no one shows the one number that decides whether it works. Find out what it is before you apply for a single card.

#creditcards #businessfunding #personalfinance