Praju.

Tech Enthusiast📱💻 | Television📺 + Audiophile🎧 Geek |
OnePlus TV Elite Club Member, OnePlus TV Product Ninja II, OnePlus TV U1 Beta Tester
#OnePlusCommunity

[Praju. @PrajuTech]

@creditcardwalah @PhonePe How is it better than SBI Cashback credit card?

[Praju. @PrajuTech]

@DealsDhamaka @atul1602 How?

[Praju. @PrajuTech]

@varun2608 @luckyparida65 @AmazingCreditC @ccg33k @credofly @ProfessorCardz @cards_wizard @creditcardwalah @CardMavenIn @EvryPaisaMatter So why do we need PhonePe Select Black credit card when you already get 5% cashback with SBI Cashback Card?

[Praju. @PrajuTech]

@imYadav31 Why do you need both PhonePe Black and SBI Cashback? Specific Usecases?

[Praju. @PrajuTech]

@JeshwanthGopa @jassneetsingha @hariniv2505 How did you get it LTF?

[Praju. @PrajuTech]

@RushilM_ Is SBI Cashback credit card eligible for the ₹8,500 off offer?

[Praju. @PrajuTech]

@spendwiselyx @Ravi07Sushant10 Sent you a DM

[Praju. @PrajuTech]

@RushilM_ Between Axis Neo and Privilege, which one would you recommend? @RushilM_

[Praju. @PrajuTech]

@imYadav31 Is SBI PhonePe Select Black Credit card eligible for 5% cashback on buying Amazon Pay GVs via CRED?

[Praju. @PrajuTech]

@CardMavenIn Do we get cashback on SBI PhonePe Select Black credit card on buying Amazon Pay GVs?

[Praju. @PrajuTech]

@cardzbuzz Is this better than Tiger?

[Praju. @PrajuTech]

@creditkeeda @RushilM_ +1

[Praju. @PrajuTech]

@SwipesAndSmiles Why?

[Praju. @PrajuTech]

@EvryPaisaMatter @Talk2Shubham @EvryPaisaMatter SBI Cashback or SBI PhonePe Select Black - which one to opt for and why?

[Praju. @PrajuTech]

@CardClub_In Which IndusInd card - Tiger or CRED?

[Praju. @PrajuTech]

@ashiskar02 Which AXIS LTF card was offered?

[Soham | Strong Opinions @__my__opinions]

Too many DMs so below is the email template I sent to:

HDFC Bank: [email protected]

ICICI Bank: [email protected]

SBI: [email protected], [email protected]

Axis Bank: [email protected], [email protected]

YES Bank: [email protected]

Template:

Subject: Request for Home Loan Interest Rate Revision – Account No. [Loan Account Number]

Dear Home Loan Team,

I am writing to request a formal review and downward revision of the interest rate on my home loan (Account No. [Loan Account Number]).

I have maintained a consistent, spotless repayment track record since the inception of my loan. Additionally, my credit standing remains strong, with a current credit/CIBIL score of [Your Credit Score, e.g., 800+]. In light of my clean repayment history and current prevailing market rates, I request that my interest rate be reduced to align with competitive benchmark offerings.

Regarding the terms of this rate revision/conversion, I have specific requirements:

- Maintain Monthly Outflow: I would like to keep my current EMI amount of [₹ Current EMI Amount] unchanged.
- Tenure Reduction Objective: I request that the financial benefit of the revised interest rate be applied directly toward reducing my remaining loan tenure, rather than lowering the EMI.
- Confirmation Against Tenure Reset: Rate revision processes occasionally trigger an automated reset of the loan tenure back to the original sanctioned term. I strictly do not consent to any tenure reset or extension. The revised tenure must be recalculated strictly against the current outstanding principal and remaining balance.

Kindly share the applicable revised rate, any associated processing/conversion fees, and written confirmation that the loan tenure will not be reset to the original sanctioned period before processing this request.

Thank you for your assistance. I look forward to your prompt response.

Warm regards,
[Your Full Name]
[Your Contact Number]
[Your Registered Email Address]

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[Praju. @PrajuTech]

@spendwiselyx Between both LTF cards i.e. Neo and Indigo, which one to pick?