Harshit Bohra | Cards Wizard

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Harshit Bohra | Cards Wizard

Harshit Bohra | Cards Wizard

@cards_wizard

✨ Welcome to the magical world of credit cards! ✨ Sharing tips, tricks, and insights to help you become a true Cards Wizard. 🧙‍♂️💳✨

Mumbai, India Katılım Haziran 2023
360 Takip Edilen24.9K Takipçiler
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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
🚀 Bespoke Journeys x TravelBluez is officially LIVE! 🥂✨ ✨ We’ve partnered with TravelBluez to bring the Amazing Wizards community elite luxury access and rates you won’t find on Booking or Expedia. 💎 The Bespoke Advantage: 🔹 VIP Perks: $100 credits, room upgrades, & free breakfast. 🔹 Private Rates: Exclusive B2B pricing that beats direct bookings. 🔹 Elite Brands: Ritz-Carlton, Fairmont, Park Hyatt & more. 🌸 Launch Steal: 35% OFF Sakura Season at Ritz-Carlton Osaka + all VIP perks included! 👇 Start planning your next getaway: forms.gle/y2WWJp3nD3LFz1… @AmazingCreditC @TravelBluez
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Sumukh Rao
Sumukh Rao@RaoSumukh·
Love how more and more people are calling out Dhurandhar as a propaganda film. It's great to see them finally taking a stand and indicating exactly why nobody should ever take them seriously.
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Rahul Parmar
Rahul Parmar@imrahulparmar·
@cards_wizard Flipkart gift vouchers don’t work for gold coin purchase…isn’t?
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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
😮‍💨 Dunno who needs to hear this but… 💳 Amex ShopWise is currently allowing (effectively) unlimited Flipkart vouchers. If you’re holding Plat Travel - here’s your cue. 📌 Easy way to push from ₹4L → ₹7L milestone. On ~₹3L voucher purchase: ✨ 18,000 accelerated points ➕ 22,500 milestone bonus points And before anyone asks… 🛒 Flipkart vouchers do work for gold/silver purchases. Just don’t overdo it - only if it fits your spend plan.
Harshit Bohra | Cards Wizard tweet media
Harshit Bohra | Cards Wizard@cards_wizard

😮‍💨 Dunno who needs to hear this but… 📊 For credit cards, CIBIL score after a point is mostly a vanity metric. Once you’re ~760+, very few banks will reject a card application purely because of the score. ❌ You don’t need those flashy 800+ numbers to get approved. Yes — a higher CIBIL can help with loan pricing (home/auto/personal loans), but even there, rates are often negotiable to an extent. 📌 What actually matters for cards: • Pay on time. Always. • Keep utilisation around 25–30%. And while we’re at it… 🔍 Credit enquiries are overrated. ✅ They may cause a small, temporary dip, but don’t lead to long-term damage on a healthy profile. ✅ I’ve had ~77 enquiries in the last 3 years — score was ~777 earlier and is ~786 now. All fine. 🕰️ One underrated factor: credit history / vintage. 💡 Try to keep your oldest tradeline active — longevity helps far more than obsessing over a few points. 📌 Don’t optimise for a number. Optimise for habits.

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Harshit Bohra | Cards Wizard retweetledi
Akash
Akash@ccg33k·
Some super cool stuff being built by @VoyageBliss 🤯
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Harshit Bohra | Cards Wizard retweetledi
Yash Sartanpara
Yash Sartanpara@SartanparaYash·
Hey Anime and Movie Fans 🫶🏻 TimesPrime is back with new offerings at just ₹1 using select Visa Signature cards. 🍱 NEW: The Anime Era is Here! Dive into the world of Jujutsu Kaisen, One Piece, and 900+ titles. Times Prime members now get: Crunchyroll Premium: 2 Months of ad-free, high-definition anime streaming. Simulcasts: Watch new episodes shortly after they air in Japan! 🍿 Cinema Savings Like Never Before Heading to the theaters to watch Dhurandhar? Don’t pay full price at PVR INOX: Save flat ₹300 using the Times Prime stacked deal: 1️⃣ Claim ₹100 voucher on the Times Prime app. 2️⃣ Use the B1G1 code at checkout for a free ticket (up to ₹200 off). Join now at - 🔗 timesprime.com/visa-offer Inside the membership: 🍥 Crunchyroll · 2 months 🎟️ B1G1 Free + ₹100 voucher → Flat ₹300 off at PVR 🎧 Spotify Premium · 4 months 🎬 SonyLIV · 6 months 📺 Watcho · 6 months (ZEE5 / Sun NXT & 12) 🚘 Uber One + ride benefits ☕ Starbucks size upgrade 🍼 Firstcry club membership - 3 months 🥛 Country delight membership - 1 month And Many more perks Some cards that are working : ✅ HDFC Regalia/Gold, Tata neu Infinity/Plus, Millenia ✅ HSBC Live+ ✅ Axis Cashback, Ace, Atlas, IOCL Premium ✅ Sbi Irctc, Prime, Elite ✅ Kotak Zen, Kotak Air+ ✅ Scapia, OneCard ✅ IndusInd Legend, Tiger ⚠️ Don't forget to disable Auto renewal / Autopay
Yash Sartanpara tweet mediaYash Sartanpara tweet media
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Nihit
Nihit@Nihit5·
@CardMavenIn @cards_wizard @AmexIndia Pls be very careful while buying vouchers thru Amex website or app. Had bought 10k Apay vouchers on 15th Mar still not received and Amex helpline now saying we have a lot of 3rd party vendors, you need to take it up with the vendor you bought from.
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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
😮‍💨 Dunno who needs to hear this but… ⌚️ Don’t let snobbish watch collectors decide what you should wear. If a watch makes you happy every time you look at your wrist — that’s all that matters. Even Neeraj Chopra wore a MoonSwatch (Pluto) on his wedding day - despite being an Omega ambassador. 📌 Wear what you like. 📌 Not what impresses others.
Harshit Bohra | Cards Wizard tweet media
Harshit Bohra | Cards Wizard@cards_wizard

😮‍💨 Dunno who needs to hear this but… 💳 Amex ShopWise is currently allowing (effectively) unlimited Flipkart vouchers. If you’re holding Plat Travel - here’s your cue. 📌 Easy way to push from ₹4L → ₹7L milestone. On ~₹3L voucher purchase: ✨ 18,000 accelerated points ➕ 22,500 milestone bonus points And before anyone asks… 🛒 Flipkart vouchers do work for gold/silver purchases. Just don’t overdo it - only if it fits your spend plan.

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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
Another one from the Times Black playbook 👀 🏆 Times of India Sports Awards (TOISA) 📍 Lucknow | 21st March | 6 PM A chance to see your favourite sporting heroes up close ✨ — celebrating the best of Indian sports in one evening. Pass for 2 at ₹2,999 Times Black is quietly building an experiences ecosystem beyond just rewards.
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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
Another addition to the @getscapia ecosystem! ✅
Gajender Yadav@imYadav31

Plot twist in the @getscapia Multiverse… 🚀 Scapia just launched Scapia Pay. Which means all my UPI transactions are now moving to one single app. • Create a Proxy UPI ID so your phone number isn’t shared with merchants or strangers (super useful while travelling). • Smooth, fluid payment experience…feels like gliding through transactions. • And beyond the usual 5% Coins on Scapia Co-Branded Card spends…you now earn extra Scapia coins on everyday UPI transactions too. Now let me show you why this matters in the bigger Scapia ecosystem 👇

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Harshit Bohra | Cards Wizard retweetledi
Gajender Yadav
Gajender Yadav@imYadav31·
Plot twist in the @getscapia Multiverse… 🚀 Scapia just launched Scapia Pay. Which means all my UPI transactions are now moving to one single app. • Create a Proxy UPI ID so your phone number isn’t shared with merchants or strangers (super useful while travelling). • Smooth, fluid payment experience…feels like gliding through transactions. • And beyond the usual 5% Coins on Scapia Co-Branded Card spends…you now earn extra Scapia coins on everyday UPI transactions too. Now let me show you why this matters in the bigger Scapia ecosystem 👇
Gajender Yadav tweet mediaGajender Yadav tweet media
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Pinkesh Khaitan
Pinkesh Khaitan@PinkeshKhaitan·
@cards_wizard I just did this an hour ago and BRPL gold on Flipkart is at good spot for purchase.
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A 🇮🇳
A 🇮🇳@CatchMeAbhiOrb·
I'd never buy FK Vouchers - unless it's the last thing on planet. Can't risk getting orders from Flipkart!
Harshit Bohra | Cards Wizard@cards_wizard

😮‍💨 Dunno who needs to hear this but… 💳 Amex ShopWise is currently allowing (effectively) unlimited Flipkart vouchers. If you’re holding Plat Travel - here’s your cue. 📌 Easy way to push from ₹4L → ₹7L milestone. On ~₹3L voucher purchase: ✨ 18,000 accelerated points ➕ 22,500 milestone bonus points And before anyone asks… 🛒 Flipkart vouchers do work for gold/silver purchases. Just don’t overdo it - only if it fits your spend plan.

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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
I’ve built my brand as @cards_wizard helping people win the credit card game. 🪄 But today, this is for people who feel like they’re on the losing side. Most of my DMs are about lounge access, reward hacks, 5x points… But there’s a side people don’t post about. 36–45% interest piling up. CIBIL scores getting hit. Constant recovery calls. 📉 But here’s the truth….ignoring it only makes things worse. Because sometimes people fall behind on payments not because they don’t want to repay….but because life gets messy. And that’s when a small issue turns into a serious problem. So what can you actually do? If you can….clear your dues immediately. If not….try shifting to a lower-interest option. And if you’re completely stuck… you need a structured way out. That’s where @thezavo comes in…..making debt resolution more transparent and less stressful. 🛡️ Think of it as a neutral platform between you and the lender: • You can raise settlement offers • Lenders review and respond • Everything happens clearly and transparently What stands out: 📱 Digital-first…. no random calls or chaos 🤝 Structured negotiation with lenders ✅ Clear path to close dues & rebuild CIBIL 🚫 No aggressive recovery pressure 💰 Upto 5% cashback on successful settlement Instead of charging people when they’re already stressed, they actually reward you for resolving things responsibly. The idea is simple: Give people a fair, structured way out….without fear or embarrassment. Because financial setbacks happen. What matters is how quickly you take control and move forward. End of the day….Credit cards are powerful. They can give you experiences… or financial stress. If you’re stuck, don’t ignore it. Fix it the right way. Because everyone deserves a second chance at financial freedom. 💳✨ #Collab
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Keşfet

@RaoSumukh @imrahulparmar @VoyageBliss @Nihit5 @CardMavenIn @AmexIndia @getscapia @iPragatiJain