How To Choose the Right Credit Card
Credit cards have become a popular and convenient mode to make payments for goods and services. A credit card can help you to improve your credit score, if you spend wisely and make your full payment before the due date. You can also enjoy great discounts, cash-back and good deals that are often on offer. One can also use credit cards to buy expensive items/ white goods on EMIs (equated monthly instalments). One can also use credit cards in emergency situations when one needs money urgently. Credit cards offer an interest-free period of up to 45 days and are useful for hassle-free transactions online and offline. 
 
Many different kinds of credit cards are available to cater to the varied needs of customers. One can select the credit card that is best suited to one’s spending habits and, accordingly, save more on daily expenses through reward points, cash-back, discounts, offers, etc.
 
People looking to take a credit card often find it difficult to zero-in on the perfect credit card. Unfortunately, there is no single card that meets everybody’s needs. The best way to find the right card for you will depend on your personal spending patterns and interest in rewards. It is advisable that you take a step back and understand your reason to opt for a card; this will  help you in your decision-making process.
 
Here we share tips and guide you on how to choose the right credit card. Credit card is a double-edged sword which can build as well as destroy your credit history. Hence, it is important that you learn about all the details related to a credit card before applying for it. 
 
There are various factors, like offers, discounts, cash-back, charges, fees, payment options, services, terms & conditions and the credit limit, that you must carefully check while choosing a credit card.
 
Regardless of the type of rewards you receive, many cards have reward schemes that expire. Whether you choose to redeem rewards frequently or accumulate and redeem for something big, make sure to use the rewards before they expire. Often, credit cardholders accumulate rewards and fail to redeem them before they expire. 
 
Some credit cards offer loyalty programmes which accept credit card rewards. This is another way to utilise rewards. For example, Standard Chartered Super Value Titanium Credit Card has the Good Life Program where reward points can be redeemed for discounts on purchases on travel and hospitality.
 
What Is Your Lifestyle?
Credit cards are not just a convenient financial mode of payment but also a lifestyle accessory. In order to make the most of a credit card, you need to opt for the right card which suits your spending pattern, lifestyle and needs. Many banks offer credit cards that are tailored for diverse lifestyle needs. Choose a credit card that suits your lifestyle and offers you the maximum rewards.
 
For example, if you are a frequent flyer, opt for a co-branded online travel agency / airline credit card. Such a card will make your travel smoother and more comfortable, with benefits like free lounge access at airports, priority boarding, etc. For example, HDFC Diners Club Black offers unlimited lounge access, six free golf games per quarter and up to Rs15,000 in bonuses. Consider this, if you are a high spender and your income is at least Rs21 lakh per annum.
 
Vijaya Rupay (a no fee, global card) offers 12 lounge visits free and 5% cash-back on dining and utilities. This is best, if you are a low spender. 
 
The Air India SBI Signature card offers eight domestic visits/year and Rs11,250 in bonuses. Consider this if you fly Air India.
 
The ICICI Sapphiro Amex card offers four quarterly domestic lounge visits. The US$99 annual membership fee for Dreamfolks DragonPass is complimentary. Consider this card, if you are not a high spender but interested in hotel perks.
 
You also stand to earn miles that you can convert to free flight or complimentary nights at star hotels. Citi Prestige offers priority pass membership, buy four nights, get one hotel night free. Consider this, if you have Citigold Private status and you are a high spender.
 
Axis Bank's Pride Signature Credit Card is the best travel rewards card with an easily achievable annual fee waiver. The first year is free but you would technically be charged Rs500 in the following years if your annual spend is less than Rs40,000. The bulk of the Card's value comes from general spend, with great 1.6% cash-back on all transactions except fuel.
 
If you are given to entertaining, eating out or socialising regularly, opting for a card that offers a better dining experience, greater rewards and discounts at restaurants. HDFC cards have some great offers on Good Food Trail. HSBC cards also have good dining offers. Check for restaurant offers on ICICI cards.
 
ICICI Bank Platinum Chip card offers 15% savings on dining at over 2,500 restaurants. You earn two PAYBACK points on every Rs100 spent for all retail purchases except fuel and one PAYBACK point on every Rs100 spent on utilities and insurance categories and there is a 1% fuel surcharge waiver on fuel transactions of maximum Rs4,000 at HPCL petrol pumps.
 
If you shop only at Shopper’s Stop, then a co-branded Shopper’s Stop credit card might be useful for you. (First Citizen Citi card).
 
If you have a very basic lifestyle, then a cash-back or points card might be best for you. The Standard Chartered Super Value Titanium Credit Card is a great option for those seeking a cash-back card with elevated rates for utilities. It offers 5% cash-back on utility, phone and fuel bills (subject to Rs750 minimum transaction, with a maximum cash-back of Rs100 per month).  
 
The Kotak Mahindra Essentia Platinum Card is a great option for individuals looking to earn cash-back on grocery and online shopping. Potential cardholders will earn a rewards rate of 10% (10 Saving Points per Rs100 spent; 1 point = Re1). To receive this high rate, the minimum transaction has to be Rs1,500 and monthly points are capped at 500 points across grocery and retail spending combined.
 
If you are a person who spends more on entertainment activities, such as movies and clubs, then an entertainment credit card would suit more than the other categories. Kotak Delight Platinum Card is a great option for those looking to use on dining and entertainment spending. The Card offers the best-in-market 10% cash-back on dining and entertainment categories (maximum Rs4,000 per transaction, maximum Rs600 cash-back per month). But, to redeem these rewards, you need to be a high spender, as the redemption process requires cardholders to spend Rs10,000 each month on categories other than dining and entertainment (no other category earns rewards for this card). However, there is an anniversary bonus of Rs750 (or four free PVR tickets) on spending Rs1,25,000 each month. 
 
If you are looking for a credit card that offers something across all categories, HDFC Regalia is a good option. It has great offers on dining/ travel, offers a good rewards programme and has comprehensive protection plan. 
 
Credit Card Rewards
There are three main categories of rewards: miles, points and cash-back. Depending on the category, cards accrue rewards that can be applied as statement credits (cash-back), as reward points or as miles. Depending on your interests or how you tend to spend, one of these three types of rewards may suit you best. 
 
But suppose you frequently make  online / retail purchases but travel very rarely. In this scenario, if you take an air miles credit card that gives minimal miles on retail purchases and bonus points on flight bookings, then your purchases would not be efficiently rewarded. More likely, your air miles won’t accumulate enough to be able to redeem for a free airline ticket, since your points will start to expire after two years. Hence, you can never truly maximise your spend or have the credit card work for you.
 
Reward points are the most critical factor in this decision-making. Reward points are an added incentive to use your credit card. ICICI Bank Sapphiro American Express Credit Card has a rewards rate of 1.5% (six points per Rs100, one reward point = Rs0.25) on overseas spending, 0.75% (three points per Rs100, 1 reward point = Rs0.25) on general spending and 0.25% (one point per Rs100, one reward point = Rs0.25) on utility bill and insurance spending.
 
Typically, every reward point carries a value of 25 paise to 50 paise. Check the reward catalogue from the bank’s portal and find the market value of the items in the reward catalogue and the points required for redemption. For example, if a Wonderchef waffle-maker costs Rs2,500 and you require 6,000 reward points to redeem, then the value of each reward point is 41 paise
 
Generally, rewards are not as accessible as you may think. Often cash-back rewards are awarded quickly and redeemed (thus, more useful to people looking for quick redemption on their rewards). But redeeming miles may take up to a month to receive, due to longer processing time, making it less attractive for those who want faster rewards; but it remains attractive for those looking for mile rewards. 
 
Credit Card Category and Offers
 
Shopping Credit Card: This type of credit card is targeted at customers who spend more money for purchases such as clothes, jewels, groceries, gadgets, etc. There are also special credit cards designed for online shopping which offer special rebates on some e-commerce portals. This type of credit card would be best suited for housewives who have to manage all their grocery and other retail shopping.
 
Travel Credit Card: This card suits people who travel frequently and those who need to book flight tickets, make hotel bookings and need cash for international spends. Travel credit cards enable cardholders to do all of this and pay later. Most of these would also offer a limited number of complimentary lounge access at airports. The reward points are an added benefit.
 
Lifestyle Credit Card: These are premium credit cards which are best suited for the elite population that indulges in dining out, makes higher purchases, etc. These credit cards offer greater number of discounts, higher reward points and free concierge services. Since these cards offer more benefits, the annual fee is also higher compared to other credit cards. (American Express Everyday Spend Gold Credit Card, Citi Premier Miles Credit Card).
 
Reward Points Credit Card: Reward points are one of the attractive features that credit cards offer and an increasing number of people use credits cards solely for this reason. Many credit card providers have introduced credit cards which help you earn more reward points that can be redeemed against various gift items. (Standard Chartered Platinum Rewards Credit Card, HSBC Visa Platinum Credit Card, HDFC Bank Regalia Credit Card).
 
Cash-back Credit Card: Cash-back cards are similar to reward points credit cards and help you save on all your purchases. One gets a certain percentage of cash-back on various spends such as dining, ticket booking, hotel booking, etc. Additionally, one can also use the cash-back points to cut down the monthly credit card bill payment. (HSBC Cash-back Credit Card, Standard Chartered Ultimate card, IndusInd Iconia American Express card).
 
Fuel Credit Card: If you own a vehicle, you must be shelling out a neat sum every month for fuel expenses. Some credit card companies have created fuel credit cards that help you save more on fuel expenses. One can get up to 3% fuel surcharge waiver on such card. (Indian Oil HDFC Bank Credit Card, BPCL SBI card, ICICI Bank HPCL card).
 
Women Credit Cards: Realising the importance of providing financial freedom to women, some credit card companies have come up with exclusive credit cards for women. Women, who love shopping, can make use of this credit card to obtain offers and discounts. (HDFC Bank Solitaire, RBL SHOPRITE Credit Card, Citibank rewards credit card, ICICI Bank coral credit card).
 
Business Credit Card: Business entities spend a huge amount of money for business operations. Using a business credit card to make all business purchases, such as machinery, inventory, etc, can help earn reward points and cut down the expenses. The business credit card also helps keep track of all the expenses. (SBI Platinum Corporate credit card, Citibank corporate credit card, HDFC Bank Moneyback card, ICICI Corporate credit card, Axis Bank business credit card).
 
Secured Credit Card: Individuals need to have a good income and credit score to get approved for a credit card. But people, who cannot get an approval, can opt for a secured credit card, if they have a fixed deposit (FD). The credit limit on this type of credit card is usually provided up to 80% of the FD amount. (BOB financial prime credit card, Axis Bank Insta Easy Credit card, Kotak Silk Inspire credit card).
 
Student Credit Cards: These are specially designed for students who are pursuing their post-graduation. The eligibility criteria for this card is determined, based on father’s or guardian’s income. Students can use such cards to purchase laptop, gadgets, stationary items, etc. (SBI Student Plus Advantage Credit Card, ICICI Bank student travel card, HDFC Bank ForexPlus card).
 
After viewing all the available offers, you must carefully read all the terms & conditions related to those offers. Check the validity of each offer while choosing a credit card.
 
Joining Bonuses: Most credit cards, in the premium and travel segments, offer attractive joining bonuses or welcome benefits in the form of free vouchers and additional bonus reward points. You can compare the joining bonuses among similar cards before selecting one particular option.
 
Finance Charge: Credit card companies levy finance charges on non-payment or part-payment of outstanding balance by the due date and on cash withdrawals. This charge is levied right from the date of the transaction until the repayment of the entire outstanding. The finance charge can vary from 30%–42% per annum, depending on your card type. Though you should always pay your entire outstanding before the due date, you should still consider these charges when applying for a credit card.
 
Credit Score: The approval of your credit card application primarily depends on your credit score, monthly income and occupation details. Every bank gives different weightage to these parameters. Generally, people with credit scores of 750 and above have higher chances of getting their credit card easily approved.
 
Annual Fee and Other Charges
If you are choosing a credit card for the first time in India, then you need to check the annual fees and renewal fees of the credit card. Check the waiving off criteria of the annual and renewal fees. Typically, waiving off criteria depend on your expenditure pattern. So, analysing your expenses and then choosing a credit card would work best for you.
 
You need to thoroughly go through the other charges too.
  • Late Payment Fees
  • Cash Advance Fees
  • Rate of Interest Charged on the Balance Amount
  • GST
  • Foreign Currency Mark-up Fees
  • Cash Withdrawal Charges
  • Mobile Alert Charges
  • Balance Enquiry Charges
  • Duplicate Statement Charges
 
Credit Limit 
All credit cards offer different credit limits and the credit limit of an individual is determined based on the income. Hence, before taking a credit card for the first time, you must contact the bank’s representative and ask the maximum credit limit that you can get according to your salary or income.
 
Try not to opt for co-branded credit cards, since all the benefits of the credit card are then associated with respect to the partnered brand. (HSBC makemytrip credit card). Opt for these cards only if you have a very high level of engagement with the partnered brand.
 
Hence, you need to analyse your specific requirement for a credit card and then check the credit card’s specifications. In the card’s specifications, check the fees, charges, payment options and all the available offers on the card and make an informed decision based on all these factors. Ideally, have at least two credit cards (with different billing cycles) one Visa and one MasterCard.
 
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    Lakshmi Vilas Bank: 20 Lakh Depositors Should Not Panic, ATMs Will Start from Thursday, Says Administrator Manoharan
    Assuring about 20 lakh depositors of the Lakshmi Vilas Bank (LVB), now under moratorium, that there is no need to panic and all glitches in withdrawal of deposits—subject to a maximum of Rs25,000—will be sorted out, the RBI appointed Administrator TN Manoharan on Wednesday said ATM machines will start working from Thursday.
     
    He also said there is sufficient liquidity with the LVB to meet the depositors' needs and the Bank is taking care of that.
     
    "Since Tuesday evening, the overall withdrawal of deposits from the LVB by depositors was about Rs10 crore," Mr Manoharan told reporters.
     
    On Tuesday, the Reserve Bank of India (RBI) placed the LVB under moratorium for 30 days and capped deposit withdrawals at Rs25,000.
     
    RBI also said, subject to certain exceptions and with its prior permission, the LVB may allow a depositor to withdraw up to Rs5 lakh to meet unforeseen expenses towards medical treatment of the depositor or any person actually dependent on him, towards the cost of higher education of the depositor or any person actually dependent on him for education in India or outside India, to pay obligatory expenses in connection with marriage or other ceremonies of the depositor or his children or of any other person actually dependent upon him, or in connection with any other unavoidable emergency if there is sufficient credit in his account.
     
    On Wednesday, confusion prevailed in some LVB branches with staff not able to explain to the depositors on the restrictions on withdrawals.
     
    Mr Manoharan said the Bank's software systems are being tweaked to incorporate the new restrictions. From Thursday onwards, the operations will be smooth for the depositors, he assured.
     
    "There is no need for the depositors to panic. This is the shortest moratorium period for a bank. The proposed amalgamation of LVB with DBS Bank India will be done," he said.
     
    Queried about easing the withdrawal of Rs 5 lakh for emergency expenses, Mr Manoharan said the depositor has to provide a proof of his emergency to the branch. The branch will forward the request to the head office which, in turn, would forward it toRBI for approval.
     
    He also added that the RBI may pass a general order to ease the withdrawal.
     
    "We have drawn up dos and donts. All employees will be told what is permissible and what is not," Mr Manoharan said.
     
    Mr Manoharan said that the LVB has about Rs 6,070 crore as deposits in current account/savings account (CASA) and about Rs 14,000 crore in term deposits.
     
    Asked for the need for a moratorium when there was no run on LVB for their money by the depositors, he said that during the amalgamation process, there may be a panic reaction, and hence the moratorium.
     
    Mr Manoharan also said the RBI has called for suggestions and objections on the amalgamation of the LVB with DBS Bank India for all the interested parties including the two banks by 20th November.
     
    "The RBI will take a call on the amalgamation after that," he said.
     
    Citing the draft amalgamation scheme, Mr Manoharan said about 4,100 employees of LVB will be absorbed by DBS Bank India.
     
    According to him, DBS Bank India is well capitalised but has said it would bring in Rs2,500 crore fresh infusion to take the amalgamated entity to the next level.
     
    He also said the shareholders of the LVB will not have a say in the amalgamation decision in their general body meeting under the Companies Act as the Banking Regulation Act—a special Act—will override the provisions of a general law.
     
    According to Manoharan, the moratorium on LVB can even be lifted before December 16, but on the end of the moratorium period, there will be a healthy amalgamated bank in existence.
     
    He said that LVB got into trouble as its focus shifted from retail lending to corporate lending and many of the corporate borrower accounts turning into non-performing assets (NPA).
     
    Disclaimer: Information, facts or opinions expressed in this news article are presented as sourced from IANS and do not reflect views of Moneylife and hence Moneylife is not responsible or liable for the same. As a source and news provider, IANS is responsible for accuracy, completeness, suitability and validity of any information in this article.
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    How To Register a Complaint against Your Bank with the Banking Ombudsman
    Have you been mis-sold a financial product by your bank? Do you have issues related to loans or deposits? Have you been charged wrongly by the bank? Have you experienced problems while using Internet banking or mobile banking? Tired of waiting for your bank’s response? Not getting a satisfactory response from your bank to your complaint? Read on for how you can seek redress for your grievances from the banking ombudsman (BO). The BO is appointed by the Reserve Bank of India (RBI) to resolve customers’ complaints regarding banking services.
     
    The Banking Ombudsman Scheme, introduced in 2006, enables people to file complaints and resolve banking issues. The Scheme’s objective is to enable resolution of complaints relating to certain services rendered by banks and to facilitate the redress or settlement of such complaints. In 2017, RBI widened the scope of its Banking Ombudsman Scheme 2006, to include deficiencies arising out of selling insurance, mutual fund and other third-party products by banks.
     
    As per the annual report of the ‘ombudsman schemes of RBI’ for FY2018-19, which was released in December 2019, the number of complaints pertaining to ‘mis-selling’ went up from 579 in 2017-18 to 1,115 in 2018-19, a whopping increase of 92.57%.
     
    In FY2018-19, the BO received a total of 195,901 complaints; but, out of these, only 0.56% pertained to mis-selling. However, mis-selling appears to be rampant and you see so many complaints on social media about mis-selling by banks that it makes you wonder why such few complaints are submitted to the BO. While there could be many reasons for this,  one of them is lack of awareness. Here, we explain how you can file your complaint with the BO. 
     
    The BO can receive and consider any complaint relating to the following deficiencies in banking services (including Internet banking):
    • Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills, etc.
    • Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.
    • Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
    • Non-payment or delay in payment of inward remittances.
    • Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
    • Non-adherence to prescribed working hours.
    • Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
    • Delays, non-credit of proceeds to parties’ accounts, non-payment of deposit or non-observance of RBI directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank.
    • Complaints from non-resident Indians (NRIs) having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters.
    • Refusal to open deposit accounts without any valid reason for refusal.
    • Levying of charges without adequate prior notice to the customer.
    • Non-adherence by the bank or its subsidiaries to the instructions of RBI on ATM/debit card operations or credit card operations.
    • Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees).
    • Refusal to accept or delay in accepting payment towards taxes, as required by RBI/government.
    • Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of government securities.
    • Forced closure of deposit accounts without due notice or without sufficient reason.
    • Refusal to close or delay in closing the accounts.
    • Non-adherence to the fair practices code as adopted by the bank or non-adherence to the provisions of the Code of Banks Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank.
    • Non-observance of RBI guidelines on engagement of recovery agents by banks. And
    • Any other matter relating to the violation of the directives issued by RBI in relation to banking or other services.
     
    A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances:
    • Non-observance of RBI directives on interest rates.
    • Delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications.
    • Non-acceptance of application for loans without furnishing valid reasons to the applicant. 
    • Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be.
    • Non-observance of any other direction or instruction of the as may be specified by RBI for this purpose from time to time.
    • The BO may also deal with such other matters as may be specified by RBI from time to time.
     
    You can view, download and print the complaint form here.
     
    Step 1: First, you need to contact your bank, register a complaint and wait for 30 days. In case you have any complaint regarding unauthorised electronic transactions, mis-selling of financial products, issues related to loans and deposits and Internet /mobile banking transactions, you can submit the complaints at your bank. Even after submitting your complaint, if you remain dissatisfied with the bank’s response, you can move the BO with your complaint. One can also approach the BO if one’s bank does not respond to the complaint within a month or if the bank has rejected your complaint. But the BO will not consider your complaint if you have not approached the bank first, or if you approach the ombudsman after over a year from the date on which the bank responded to you. 
     
    There's no fee involved in filing the complaint with the BO. You can represent the case yourself or choose to do it through an authorised representative. However, the BO can reject a complaint if it is time-barred or if it has already been heard in some other court. There are 22 banking ombudsman centres in India. 
     
    You can file a complaint on a plain paper to the BO under whose jurisdiction the bank branch (against which you are submitting a complaint) is located. In case of complaints of services with centralised operations, such as credit cards, the complaints can be filed before the BO within whose territorial jurisdiction your billing address is located.
     
    However, one needs to understand that it is not a strictly online redress system. Sometimes, for complex cases, the BO’s office contacts the complainant over the phone and even requires the complainant to present his/her case in person. But, in more simple cases, the BO can make the award, based on the written/ online complaint submissions from the complaint itself.
     
    Here is the process to file your complaint online: 
    Step 2:  Visit the banking ombudsman portal. Select the ‘file a complaint’ option on the left hand side navigation bar.
     
     
    Click on select language dropdown list. In the dropdown list, select applicable language. For example, choose English. 
     
     
    Click on type of entity dropdown button to select specific type of entity against which you wish to file a complaint. For example, select bank.
     
     
    Fill in other details on that page: mobile number of complainant, area code of operation of BO, state, district, bank name and choose yes or no option, if the complaint pertains to credit card. 
     
     
     
    Select the appropriate bank category, bank branch. Type your name and email address in the fields provided and click on the next button.
     
     
    Fill in the relevant options for whether the complaint is sub judice/ under arbitration. Also choose relevant option for whether you have made a written or online complaint to your bank. 
     
     
    Choose the date of your complaint to the bank.
     
     
    Please see below for an example of how the remaining fields on the page can be filled in. Click on next button.
     
     
    The next page asks for complainant details: name, gender, age, email and mobile number, address. In the category field, choose whether individual, senior citizen, trust, limited company, association or business. Then click on the next tab.  
     
     
     
    You will see a page like this. Click on the calendar icon in ‘date of disputed transaction’ field.
     
     
    Choose appropriate radio buttons for whether complaint is regarding wallet - yes or no. Similarly, choose yes or no for whether complaint is regarding business correspondent. Then click on the next tab. 
     
     
    The next page asks for bank account details as shown under: 
     
     
     
    After you click on next, you get a page as shown under:
     
     
    In compensation sought, enter the applicable amount. 
     
     
    You need to read the declaration and click on next button.
     
     
    Click on yes button, if you want to declare a nomination; click on no, if you do not want to declare nomination. 
     
     
    If you clicked on yes option on the previous page, fill in the nomination details accordingly. 
     
     
    You get a capcha code verification page and you need to type in the applicable code. 
     
     
     
    Click on select files button to upload attachments to your complaint. 
     
     
    After uploading the relevant attachments, click on the submit button.
     
     
    You will get a successful submission confirmation along with a complaint number. You can download the .pdf file for it.
     
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    COMMENTS

    avinash phatak

    2 weeks ago

    can I lodge a complaint for not allowing to port the PPF account from Central Bank Bandra E Mumbai to the SBI Pune

    kajamohideen786kn

    2 weeks ago

    Moratorium perad but bank E, C, S and Bounce charge dedit my account

    REPLY

    kajamohideen786kn

    In Reply to kajamohideen786kn 2 weeks ago

    Pls give answer

    anirudh.vn

    2 weeks ago

    This was very very helpful 👍

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