Sunday Gyan 6 @iSatishAgarwal

🏃Don't chase Super Premium CCs
💸If spends are <=5-8L per year
💳They are issued with high JF/AF
💸Less spends, less rewards
👾Lifestyle benefits may not justify
🧠Analyse properly before applying any Super Premium CC

⁉️Took in FOMO, but isn't worth
🚫Don't hesitate in Card closure
-Either before activation
-Or during Renewal time

*JF: Joining Fee
*AF: Annual Fee

✨I mostly choose Peace of mind over spend/reward Optimisation

Like ❤️ n Repost ♻️ if useful
#CreditCard #ccgeek

Disclaimer:
-Don't leave LTF Super Premium CCs, if available
-Chances of LTF conversion later, basis high AMB/NRV may exist