Unveil Your Stylish Collection of Cards šŸ’³

General
134

Looking more like ā€˜stain and steelā€™ :joy:

135

It looks even better now!
Itā€™s like one of those brushed metal cards.

1 Like
136

Yes. I also think that. I dig this rough look. :+1:

2 Likes
137

Sheesh! Truly one of a kind indeed XD

2 Likes
138

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Just received the card now. It is showing 1% cashback on all purchases :thinking:

7 Likes
139

It is a proper credit card or a bnpl type

140

It is a prepaid card. I think it is an account too :thinking:. Just transferred the amount from slice account to another bank via UPI now

2 Likes
141

Slice mini is a wallet with prepaid card with the feature of withdrawal

1 Like
142

They should have changed the design for rupay. Thier visa card had almost same design

3 Likes
143

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Why Slice asking for DigiLocker access?

144

Itā€™s for doing kyc u donā€™t have to manually enter or upload anything

145

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Something the package was hiding :joy:

4 Likes
146

If u can figure it out how do tell

147

But why to take a credit line which will show in your credit report, until and unless you have a requirement?

148

@kingzeusvj I also agree with your point. No point in taking credit lines unless you donā€™t get credit cards.

At the time of taking loans (Eg. Home loan), this credit line sticks out in the credit report as a loan which wonā€™t go down through the months. So the bank asks what is this? This puts a doubt in the mind of the evaluator.

149

True. Plus, after interacting with underwriters for half of my professional life; lot depends on credit showing against one. Some underwriters will straight away reject the file of basis of salary against liabilities (thereā€™s a term which I am forgetting).

2 Likes
150

But if someone has taken credit line and then paid it on time, then whatā€™s the problem ?

151

Ideally there isnā€™t one, but there is.
It shows up a open credit line on your credit report and questions that come up during underwriting are -

  1. Why does he have so many open credit lines?
  2. Why does he need access to so much credit?
  3. Why is he continuously taking on more credit?
2 Likes
152

The issue is that credit lines are marked as loan and not as credit line while credit cards are marked as credit card.

So now if you have 50000 credit line and even if you pay the monthly bills, the credit report says your loan is 50000 through all the months.

So the underwriter would see the credit report and think why is this person not paying for this loan of 50000?

153

precise

2 Likes