CA. Naveen Bhat

🧮 Chartered Accountant
💳 Credit Card Enthusiast | Expert in Rewards Maximization
💡 Sharing insights on smart spending, credit management & financial Planning

[CA. Naveen Bhat @Naveenbhatca]

❌ Missed an EMI? It could impact your score much sooner.
This means:
📈 Faster reflection of repayments
🏦 Quicker loan closure updates
⚡ More accurate credit history
Your CS is no longer something to check once in a while—it's a financial asset you should actively manage.

[CA. Naveen Bhat @Naveenbhatca]

🚨 Your Credit Score could now change EVERY WEEK!

The RBI has directed banks & NBFCs to report credit data to Credit Information Companies (CICs) every week instead of every 15 days.

✅ Paid your EMI on time? Your credit score may improve faster.

[CA. Naveen Bhat @Naveenbhatca]

💳 India's CC market has transformed over the last decade.
📈 Live cards: 2.1 Cr → 10.7 Cr
💰 O/s balance: ₹0.4 Lakh Cr → ₹3.1 Lakh Cr
It's no longer about owning a cc—it's about using credit responsibly.
Smart credit habits today = Better financial opportunities tomorrow.

[CA. Naveen Bhat @Naveenbhatca]

Do you remember when you joined X? I do! #MyXAnniversary

[CA. Naveen Bhat @Naveenbhatca]

Axis Airtel card becomes useless card if you use it only for Airtel and other utility payments. You need to spend on base category to get CB on other category.. Major devaluation which will lead to card cancellation..

[Card Maven @CardMavenIn]

🚨 Major Devaluation: Airtel Axis Bank Credit Card (Effective 12-April-2026)

The "bill-only" strategy is gone. Your high-value cashback is now tied to your 1% spending.

📉 Key Changes:

Lounge Access: 4 complimentary domestic visits DISCONTINUED.

Zomato/Blinkit: Moving from Bank Cashback to Partner Wallet Credits (must spend ₹499+).

Swiggy/BigBasket: 10% benefit REMOVED.

Airtel/Utility Capping: No more flat ₹250. Your cap is now a multiple of your 1% "Base" cashback.

[CA. Naveen Bhat @Naveenbhatca]

An Exclusive @Swiggy Benefit for Marriott Bonvoy Members:
Now link your MB with Swiggy n get MB points on Swiggy orders.
Link: https://t.co/N8CMtPThlE
Dont forget to delink your indigo bluechip program before linking it to MB. @Marriott #CCgeeks

[Zafar Shaikh @InvesysCapital]

It’s high time #SEBI brings in regulations requiring explicit consent from mutual fund unit holders before schemes participate in IPOs or pre-IPO placements.

When prices are not yet discovered on the exchanges, fund managers shouldn’t have the sole discretion to invest at valuations that could turn out to be detrimental to investors’ interests.

Transparency in such unlisted investments is essential to protect investor trust in the mutual fund industry.

#LensKart

[CA. Naveen Bhat @Naveenbhatca]

@ramees08 @ccg33k yes GST payment are business expenses.. cannot be considered as personal expenses

[CA. Naveen Bhat @Naveenbhatca]

Diwali safai started. Cancelled @YESBANK Marquee CC. Requested cancellation on email and got confirmation. No retetion offered. Chalo safai toh hui..

[CA. Naveen Bhat @Naveenbhatca]

Change in domestic airport lounge access by @IDFCFIRSTBank . Now access is powered by Elite assist.
#ccgeeks

[CA. Naveen Bhat @Naveenbhatca]

@ProfessorCardz Yes first get the reason for rejection.. if they say over leverage then u can request for split limit

[CA. Naveen Bhat @Naveenbhatca]

@BlueDart_ my Courier way bill no 90202735803 is not been delivered now for more than 7 days.. After multiple follow up and compliant no one is bother

[CA. Naveen Bhat @Naveenbhatca]

GREAT SAVINGS TAX.. FINALLY IMPLEMENTED

[CA. Naveen Bhat @Naveenbhatca]

NO COMMENT

[CA. Naveen Bhat @Naveenbhatca]

@EvryPaisaMatter Amit bhai usko bolo Magnus burgundy card chaiye.. woh nai de sakte toh call band ho jayega

[CA. Naveen Bhat @Naveenbhatca]

📢 Big Update
The New Income-tax Bill, 2025 has received the President’s assent.
It’s now officially the Income Tax Act, 2025 ✅
📜 Check official Link here:
https://t.co/88JNsiZ570

#IncomeTax #TaxReform #Finance2025

[CA. Naveen Bhat @Naveenbhatca]

Snapshot of HDFC premium CC.
A summary of comparison of all 4 HDFC CC.
do let me know if i missed anything @ccg33k @thetrickytrade @EvryPaisaMatter @cards_wizard @ProfessorCardz @creditkeeda @credofly #HDFCBank DYOR.

[CA. Naveen Bhat @Naveenbhatca]

Link your Flipkart and Marriott bonvoy Account now. 2 SC= 1 MB
Tap on supercoins balance on the homepage and you will see a banner Or follow the link https://t.co/zc6IH6FQQx

#MarriottBonvoy #Flipkart