Best Credit Cards 2025 🔥🔥| Category-Wise Credit Cards| Cashback, Travel, Fuel, & Airline Cards

Поделиться
HTML-код
  • Опубликовано: 11 янв 2025

Комментарии • 236

  • @amitt319
    @amitt319 19 дней назад +9

    Correction: Airtel Axis gives 10% cb for bill payments !

    • @TheSilentLooters
      @TheSilentLooters 17 дней назад

      Upto?

    • @akhileshlunde9931
      @akhileshlunde9931 16 дней назад

      250

    • @vanshmehta7950
      @vanshmehta7950 13 дней назад

      Does it give on credit card bill payments ?????

    • @piyushyadav2353
      @piyushyadav2353 6 дней назад

      Yes airtel axis give 10% on utility bill payment upto 250 statement cycle?..
      And 25% in Airtel recharges and broadband

  • @XYZ-jf5bo
    @XYZ-jf5bo 16 дней назад +9

    16:52 You got something on your wall but i kept cleaning my screen for a minute lol

  • @manojgail
    @manojgail 19 дней назад +20

    I am having Amex Platinum Travel card for past 8 years. You've mentioned that renewal fee for this card is Rs. 3500+GST same as joining fee. I thought when did Amex lowered its renewal fee since I was paying 5000+GST for years now. So I checked their website. It's still 5000+GST only. Also image you are using is old one. Amex have changed the design of card and removed Platinum in name branding. It's just Amex Travel card now.

    • @amitabhmaheshwari
      @amitabhmaheshwari 18 дней назад +1

      On Amex website the name of the card is still Amex platinum travel card.

    • @manojgail
      @manojgail 18 дней назад

      @amitabhmaheshwari that's why wrote design and name branding of the card.

  • @lucifer393
    @lucifer393 15 дней назад +3

    You make videos in a very cozy and homely environment, I don't know if it's intentional or natural. Whatever it is, but it creates an illusion connectivity like elders give advice so keep this up.

  • @raydwaipayan2993
    @raydwaipayan2993 19 дней назад +16

    for amex travel card. 5K+GST is annual charge not 3.5K+GST. Also, we need to use amex gyfter not normal gyfter. Otherwise 3x points on top of the base reward points can not be obtained. Give complete info

    • @arpitayan1
      @arpitayan1 11 дней назад

      correction it is 3.5k+gst for the 1st year only.

  • @AmanGuptaMBM
    @AmanGuptaMBM 3 дня назад

    One of the better videos you've posted recently

  • @desichanakya6547
    @desichanakya6547 19 дней назад +11

    Ace credit card devalued .now Google pay is charging too much fees on utility bill.😢

    • @jayanthkg5209
      @jayanthkg5209 19 дней назад

      How much it is charged now. I was thinking of getting a Axis Ace card majorly for utility payments

    • @desichanakya6547
      @desichanakya6547 19 дней назад

      @jayanthkg5209 according to yours amount.on jio annual plan they are charging 35 rupees.

    • @varmakvm4812
      @varmakvm4812 19 дней назад

      ​@@jayanthkg5209get Airtel axis instead of Airtel Ace for utility bill payments.

    • @vijayborikar1489
      @vijayborikar1489 18 дней назад +1

      Credit card lene ke liye dp me mo no hai

    • @ketanahuja8939
      @ketanahuja8939 18 дней назад

      Don't take, I closed yesterday
      250 convience fee 500 cashback
      So I closed , ​@@jayanthkg5209

  • @himsxoxo
    @himsxoxo 18 дней назад +4

    16:13 apay icici m cashback is given in apay balance, we can't transfer it into our bank account directly

    • @IGNFLICK
      @IGNFLICK 13 дней назад +1

      I JUST COME TO COMMENT THAT

    • @himsxoxo
      @himsxoxo 12 дней назад

      @@IGNFLICK yeah man! she's good in explaining but these are really silly mistakes, it means she has not used this card.

  • @abhijeetchalke2879
    @abhijeetchalke2879 19 дней назад +65

    Please fix that black spot on the wall. 50% times my attention goes there 😂

    • @utkarshtripathi5487
      @utkarshtripathi5487 19 дней назад +11

      Ocd hai kya bhai

    • @vinitmagade
      @vinitmagade 19 дней назад

      @@utkarshtripathi5487😂

    • @NasirAnsari-cy5nn
      @NasirAnsari-cy5nn 19 дней назад +4

      Dyan nahi jaa raha ab baar baar jaa raha he

    • @aleems150
      @aleems150 19 дней назад +9

      I thought something is stuck to my display screen. I was trying to wipe my display 😂

    • @avi4003
      @avi4003 17 дней назад +4

      11:05

  • @HaVoK786
    @HaVoK786 17 дней назад +1

    Very good video with nice selection of cards

  • @vishvas04
    @vishvas04 День назад

    Personal feedback on DCB - went out of india with this card - 100% rejection rate, not a single shop accepted diners card

  • @dharmindersuri
    @dharmindersuri 3 дня назад

    Thanks for such detailed run down

  • @cronaldo396
    @cronaldo396 15 дней назад +2

    Can you also include the eligibility criteria for these cards please...

  • @manu2abhi
    @manu2abhi 14 дней назад +1

    This video benifits those whose earning is more than minimum 2lakh per month....!

  • @anonymousryuk6273
    @anonymousryuk6273 14 дней назад +1

    20:30 is it mandatory for us to have a savings of any account in SBI for SBI cashback card ?

  • @abhijeetchalke2879
    @abhijeetchalke2879 19 дней назад +4

    Airtel Axis utility bill payment is 10% cb not 5%

  • @rubyshorts281
    @rubyshorts281 17 дней назад

    11:30 for fuel
    15:15 for cashback

  • @Mohitpmohan
    @Mohitpmohan 19 дней назад +6

    airtel axis giving 10% on bills not 5% its a correction

  • @srestharoy3959
    @srestharoy3959 10 дней назад

    Please make a credit card comparison video of every card that give cashback or rewards on dining

  • @n.s.chouhan5433
    @n.s.chouhan5433 18 дней назад +1

    Kisi bhi wallet pe money add krte hai to rewards points milte hai kya?

  • @rajuaqua
    @rajuaqua 2 дня назад

    Mam, Can we pay insurance premiums using credit card

  • @anandsagar3737
    @anandsagar3737 16 дней назад +1

    What platform is best suited for rent payment if paying using standard chartered smart card ? Please suggest.

    • @arpitayan1
      @arpitayan1 11 дней назад

      you can choose AMEX for that.

  • @likheshsharma
    @likheshsharma 10 дней назад

    Standard chartered not only charges 1% but the merchant will also cahrge another 2% , so you would end up loosing money by paying rent.

  • @007arundass007
    @007arundass007 19 дней назад +1

    please suggest the current best for offline purchases like hardware store/local grocery etc

  • @shekhartomar
    @shekhartomar 15 дней назад +2

    Sbi cashback gives cashback on Amazon too ?

  • @amit_rajpurohitt
    @amit_rajpurohitt 8 дней назад

    After vistara merger which credit cards are good option which have complimentary flight ticket ✈️💳👍

  • @akashagrawal14
    @akashagrawal14 17 дней назад +1

    if i cant get biz black or any biz card. can you recommend any card for income tax payment of substantial amount?

  • @UjwalPuri
    @UjwalPuri 7 дней назад

    Would you recommend to pay my insurance premium with ICICI Amazon Pay credit card or Amex Platinum Travel credit card?

  • @RahulKumar-zp9kf
    @RahulKumar-zp9kf 18 дней назад +1

    Mere pass regalia gold hai acha card hai
    2 flight voucher mila aur 5 thousand
    3 myntra 1500
    2 uber 300
    Swiggy members 2999
    Sab use Kal liye hai hum

    • @luvalloverme
      @luvalloverme 18 дней назад

      ye sab joining benefits hai kya??

  • @soumilyade1057
    @soumilyade1057 17 дней назад

    499 waived off for lifetime for some and then charging the full amount for the rest is going to lower customer base for the card from January 2025 onwards. You know how Indians hate on missing out... If SBI comes out with a slightly better card, people are gonna flock there...

  • @yashvashistha7804
    @yashvashistha7804 13 дней назад

    I used your affiliate link to apply for Tata Neu Infinity Rupay 😊

  • @rohitbhati5805
    @rohitbhati5805 18 дней назад

    Please make a video on good cards for wallet loads !

  • @abhishekb1322
    @abhishekb1322 19 дней назад +2

    Best credit card is amazon pay icici hands down.

    • @shubhamrawat7913
      @shubhamrawat7913 19 дней назад

      It's useless

    • @manu2abhi
      @manu2abhi 14 дней назад

      Just become a prime member. Simple for simple people

  • @Yesucan001
    @Yesucan001 8 дней назад

    American Express not giving cards in Patna ...even I have HDFC infinia ..can you help to get this platinum travel card

  • @abhijeetgupta6504
    @abhijeetgupta6504 18 дней назад +1

    Is atlas card decent give decent return on non travel offline spend when transfering miles in Accor points?

    • @iamabdulkadirl
      @iamabdulkadirl 10 дней назад

      Yes, for every eligible non-travel spend, you will get 2% Edge Miles, if you transfer it you will get 2x partner miles. Plus if you use at Accor it will be approx 7.2% returns as Accor gives 1.8 rupees per Accor mile.

    • @iamabdulkadirl
      @iamabdulkadirl 10 дней назад

      and if you are spending well on this card, you can get milestone benefits that adds up and improves this even further.

  • @mouryagupta4823
    @mouryagupta4823 18 дней назад

    What about an IDFC Mayura card for forex? This is a decent card, but I agree it has a higher fee, although we can save more if we use it internationally via the zero forex feature.

  • @Imfunnny
    @Imfunnny 16 дней назад

    For how many credit card can we apply in hdfc bank

  • @maniojha4389
    @maniojha4389 19 дней назад

    Best for flight booking?

  • @SATYAMSHARMA-ld9zg
    @SATYAMSHARMA-ld9zg 18 дней назад

    How many days, months, or years does it take for a credit card or loan enquiry to be removed from your CIBIL report? Is the removal based on the first enquiry or the most recent one?

  • @ankurjindal8693
    @ankurjindal8693 14 дней назад

    Can you tell, is there any card available which provides the rewards on Government Spends like court fee etc.

    • @RajBoss-c1y
      @RajBoss-c1y 12 дней назад

      Reply me to get best lifetime free cradit card

    • @arpitayan1
      @arpitayan1 11 дней назад

      amex Plat travel card. you can share your social handle so that we can connect and i can help you with the card

  • @06madhav
    @06madhav 19 дней назад

    How is HDFC Diners Club Privilege? It is bring offered LTF and has similar benefits as HDFC Regalia Gold. Is Diners Club accepted widely, or it is like Amex?

    • @abhishek8243
      @abhishek8243 19 дней назад

      It's not widely accepted as Visarjan or MasterCard or Rupay but isn't as bad as AMEX.
      It's rare case where diners club isn't accepted

    • @yeswantmanivannan4220
      @yeswantmanivannan4220 19 дней назад

      Diners is not preferred and many of high ticket purchases are getting rejected.

    • @saktibiswal6445
      @saktibiswal6445 18 дней назад

      I can't comment on Diners Club Privilege because I have DCB. If you live in a metro city then all places accept DCB. I live in Bengaluru and so far (have the card since 2018) I have not come across any place (restaurants, shops, pharmacies, hospitals) which has declined my DCB.

    • @vikahsyadav-d7b
      @vikahsyadav-d7b 18 дней назад

      Hy

    • @vikahsyadav-d7b
      @vikahsyadav-d7b 18 дней назад

      Hello sir aap ko credit card Lena hai

  • @subh_conscious
    @subh_conscious 18 дней назад

    Are insurance spends considered for total spends (meaning for the 2 lakh per year for annual fee reversal) for SBI Cashback credit card ?

  • @Shipnseas
    @Shipnseas 18 дней назад

    Make Credit cards NRI can apply and how and which banks easily offers credit cards to NRI

  • @brand-booster
    @brand-booster 17 дней назад +1

    Best card for a railway ticket booking. Please make a video

  • @Gauravkumar-sb8vf
    @Gauravkumar-sb8vf 12 дней назад

    Mam utility payment par 10% Cashback provide karta h
    Airtel axis bank credit card

  • @AB..........
    @AB.......... 8 дней назад

    Hdfc ka millenia card tabi mil raha h agar saving account ho hdfc me.. aaj kal hdfc bina saving account k koi card nahi de raha

  • @Khan69pstn
    @Khan69pstn 17 дней назад

    Kaun kaun ye video 2080 me dekh raha hai ❤

    • @soham565
      @soham565 15 дней назад

      Taimur ali khan!

  • @aurkom
    @aurkom 19 дней назад

    Scapia not issuing cards currently right?

  • @sreevansree
    @sreevansree 19 дней назад

    Pls suggest best credit cards for defence personnel...

  • @jayanthkg5209
    @jayanthkg5209 19 дней назад +1

    Please make a video on credit card for NPS payments

    • @amitabhmaheshwari
      @amitabhmaheshwari 18 дней назад

      ICICI Times Black Card

    • @jayanthkg5209
      @jayanthkg5209 18 дней назад

      @amitabhmaheshwari thank you for responding

    • @jayanthkg5209
      @jayanthkg5209 18 дней назад

      @amitabhmaheshwari it's a high hanging fruit which needs special custom equipments to ripen it and eat it

    • @mardiofficial1432
      @mardiofficial1432 17 дней назад

      Sir Upko credit card lena hai ?

    • @mardiofficial1432
      @mardiofficial1432 17 дней назад

      Agar lena hai to up reply kijiyea ga

  • @vickynagrare9219
    @vickynagrare9219 19 дней назад

    Mere paas Axis ka card he ace card 3 saal se use kar raha hu limit increase offer nhi aa raha he 2 saal pehle documents deke limit increase kiya tha uske baad offer nhi aaya mera koi saving account nhi koi other option ya axis bank me account open karu yaa fd 😊

  • @SaggingComa
    @SaggingComa 4 дня назад

    indian oil gives good return because their fuel is ...😁

  • @sunnyjoshi1560
    @sunnyjoshi1560 10 дней назад

    is airtel axis available on rupay varient?

  • @zahidaanjum652
    @zahidaanjum652 11 дней назад

    I have 8 credit cards ,koi limit hai kya number of credit card hold krne ka ?Like mera income aur credit card spending dono hi less than 2lacs hai(i.e below income tax slab). but kya 7-8 credit hold krne se koi Income tax notice aane ka risk hai kya..koi rule hai kya ki jyada credit card rkhne se income tax notice aa skta h?

    • @iamabdulkadirl
      @iamabdulkadirl 10 дней назад

      Hi, I once had 18 credit cards. Now I am slowly reducing the number and have reached 14 active cards. I mainly use 6-7 cards. I avoid cash transactions and do all my transactions via credit cards. No notice yet. But I think I will get one this year as I have spend 2 times my yearly income. But I have justification for paying international education fees via my cards. it is recommended that your spending should be less than your annual income. If you spend more you can get a notice asking for additional sources of income. :) I hope this helps.

    • @zahidaanjum652
      @zahidaanjum652 10 дней назад

      @iamabdulkadirl my spending with credit cards is well below income tax slab i.e below 2lacs. But the only concern is the 8 credit cards i have. Can one get notice only for the reason of having more number of credit card?

  • @ek_virus
    @ek_virus 19 дней назад +3

    Itna bada video ??
    Aur bad me yahi video sal me 5-6 bar banega. 😅
    Chalo ye bhi thik h

  • @adityarajput3684
    @adityarajput3684 18 дней назад

    Is there possibility that Airtel axis can provide it lifetime free...if possible we can wait.

    • @amitabhmaheshwari
      @amitabhmaheshwari 18 дней назад

      The fee is just ₹ 500 plus tax. The benefits are way more than this. Why crib for this low fee ?

  • @tarunn9469
    @tarunn9469 16 дней назад

    Tell one card which can reward for all categories and convert to air miles. Fee is not a concern.

    • @arpitayan1
      @arpitayan1 11 дней назад

      if fee is not a concern, you can choose AMEX Platinum charge card. if you want to know further you can share your handle where i can connect.

  • @amitgautam3423
    @amitgautam3423 19 дней назад

    Is there any credit card offering complimentary flight ticket (like club vistara cards)?

    • @ek_virus
      @ek_virus 19 дней назад

      Still hype for useless ace?
      Disgusting

  • @zakirjack
    @zakirjack 15 дней назад

    Airport lounge access k liye card lifetime free wala bada o

  • @gautamjalan1841
    @gautamjalan1841 18 дней назад

    Please suggest a card for the utility bill payment of Rs 5 L to 7 L per month, I have infinia but hdfc has stopped giving rewards point

    • @vijayborikar1489
      @vijayborikar1489 18 дней назад

      Credit card lene ke liye dp me mo no hai

    • @arpitayan1
      @arpitayan1 11 дней назад

      sir you can choose AMEX platinum card. To know further please share your handle where we can connect

  • @ben-uy1ud
    @ben-uy1ud 17 дней назад

    I see so many ppl commenting she is misforming , iwas planning to use her video ,, can't do now

  • @Achilees-t6c
    @Achilees-t6c 19 дней назад

    Best credit card for income tax payment for salaried employees ?? HDFC biz black and biz power are not available for salaried

  • @tafriwithme8862
    @tafriwithme8862 17 дней назад

    माॅडम रिटेलर छोटी दूकानदार वालो के लिए बेस्ट sbi credit card कोनसा रहेगा ?

  • @ek_virus
    @ek_virus 19 дней назад +3

    Tata neu infinity insurance pe 5% deta he
    And u have ignored it like makhhi in ghee 😂😂

    • @pritamshah6699
      @pritamshah6699 17 дней назад

      Can you please elaborate? It gives 5% cashback on health, vehicle insurance premium monthly? And capped at ?

    • @ek_virus
      @ek_virus 16 дней назад

      @pritamshah6699 no capping its unlimited

    • @pritamshah6699
      @pritamshah6699 16 дней назад

      @@ek_virus it should be paid by tata neu app right ? But does it support all health and vehicle insurance?

  • @tonmaychakraborty6642
    @tonmaychakraborty6642 17 дней назад

    where is our legend Axis bank flipkart ?😶

  • @aleems150
    @aleems150 19 дней назад +2

    Please discuss about best card for UPI payments

    • @ManpreetKaursings
      @ManpreetKaursings 18 дней назад

      I can help you applying best credit card for upi payments

    • @aleems150
      @aleems150 18 дней назад

      @ManpreetKaursings sure, please suggest

  • @AbcPqr-c4w
    @AbcPqr-c4w 17 дней назад

    Axis atlas to accor points redemption needs accor membership?

  • @DanishAnsari-sp4sj
    @DanishAnsari-sp4sj 18 дней назад +1

    What about rupay cards

  • @yogeshdhanorkar1067
    @yogeshdhanorkar1067 19 дней назад

    Please vedio on cibil score maintain,means how I manage my 9 credit cards for well cibil score maintain?

  • @Tecnocardking
    @Tecnocardking 18 дней назад

    hi i request you to make a video of pioneer private credit card and axis bank burgandy private one credit card if u want i have both cards i can share the unboxing video u can use it, iam also confused which card to use ..

    • @CardAcademy
      @CardAcademy  18 дней назад

      Mail us at joincardacademy@gmail.com

    • @Tecnocardking
      @Tecnocardking 17 дней назад

      @@CardAcademy i have already sent pioneer private video to the email address, burgandy private one card is approved RM will personally handover in few days i will share it too

  • @abhijeetchalke2879
    @abhijeetchalke2879 19 дней назад +1

    You missed IDFC HP credit card

  • @shahnawazq6148
    @shahnawazq6148 17 дней назад

    ICICI Emeralde Visa credit Card Ki Jankari Chaiye thi Hame Card aaya par Rewards Pure Received Nahi ho rahe he

  • @ShivamRaj-mw4mg
    @ShivamRaj-mw4mg 18 дней назад

    I want to know the government bill benefits card as you are not covered in video

  • @akhileshkamath
    @akhileshkamath 8 дней назад

    Can you do a review on hdfc biz black

  • @anoop461
    @anoop461 18 дней назад

    Dont know whether its intentional or not, you mostly do not mention the eligibility criteria for credit cards

  • @nikhilsinghal1315
    @nikhilsinghal1315 18 дней назад

    Infinia mein 12.5 k bonus reward milta h but DCB mein kuch nahi milta on card charges.

  • @amazeflips5652
    @amazeflips5652 19 дней назад +1

    SBI PRIME ??

  • @praffulpanwar
    @praffulpanwar 19 дней назад

    Which FD-backed credit card is best for my wife to help her build a CIBIL history while also offering good FD returns?

    • @HarvinderS
      @HarvinderS 19 дней назад

      One card

    • @praffulpanwar
      @praffulpanwar 18 дней назад

      @ I have that one please see below message for entire list of cards i own. Thinking to get super.money card.

    • @pankajmaheshwari3231
      @pankajmaheshwari3231 18 дней назад

      Yes marquee

  • @rohitdassani
    @rohitdassani 19 дней назад

    The Amex platinum travel card 2nd year fee is 5000+gst and not 3500++

  • @abhishekbachhawat8090
    @abhishekbachhawat8090 19 дней назад

    Any current card for rent payment and platform which we can use ?

    • @arpitayan1
      @arpitayan1 11 дней назад

      you can choose AMEX platinum card. you can share your social handle so that we can connect

  • @captainnickrowdy24
    @captainnickrowdy24 17 дней назад

    SBI cash back Vs Airtel Axis Vs HSBC Live+
    Please suggest me best one

  • @Mohammedbilal9035
    @Mohammedbilal9035 17 дней назад

    Axis atlas not worth because when you boook flight out hotel ticket direct from website it always cost you more so not that worth

  • @batmandarkknight3850
    @batmandarkknight3850 18 дней назад

    Unable to get Scapia despite good CIBIL.. any suggestions on how to get it

    • @arpitayan1
      @arpitayan1 11 дней назад

      you can try Amex Plat Card

  • @JRbhukta
    @JRbhukta 11 дней назад

    *mera icici amazon 4 bar rejected hogaya hey thak gaya apply karke*

  • @skabra1
    @skabra1 17 дней назад

    please share about icici emrald private metal CC

  • @jayanthkg5209
    @jayanthkg5209 19 дней назад

    Please make a video on credit cards for Electricity Bill Payments

    • @vijayborikar1489
      @vijayborikar1489 18 дней назад

      Credit card lene ke liye dp me mo no hai

    • @vijayborikar1489
      @vijayborikar1489 18 дней назад

      Credit card lene ke liye dp me mo no hai

    • @arpitayan1
      @arpitayan1 10 дней назад

      @@jayanthkg5209 sir you can try AMEX card for electricity bill payment . To connect further please share your social handle

  • @TheMindNoida
    @TheMindNoida 18 дней назад

    When you get the most benefits with lifetime free rupay select credit cards, why to waste money on chargeable credit cards.

  • @Satyam-i1k
    @Satyam-i1k 19 дней назад

    Hello Ma'am, is there any channel on telegram, which keeps updated on lattest offers on credit cards and offers on resumption of reward points

  • @AbhishekRoy-no7br
    @AbhishekRoy-no7br 17 дней назад

    Blunder: Amex platinum travel annual charge is 5k+gst not 3.5k.. please correct

  • @marufansari370
    @marufansari370 18 дней назад

    Hdfc tata infinity me up to 1.5% upi rewards milta he

  • @INFLUENCEPRENEUR
    @INFLUENCEPRENEUR 18 дней назад

    Scapia gives 10 rewards point equal to 2 Rs for every 100 Rs . You have not given all details

  • @gajawadamanideep5871
    @gajawadamanideep5871 18 дней назад

    Incorrect information on sbi octane
    Other spends pe 2.5% nahi milta, just groceries and departmental stores pe 2.5% milta hai

  • @drnarensoneji
    @drnarensoneji 15 дней назад

    Int. Airport Launge ke liye life time free card bataiye....

  • @santoshsantu375
    @santoshsantu375 19 дней назад +1

    Amazon voucher se shopping hota hai don't mislead

  • @aryanrathod-iy7sd
    @aryanrathod-iy7sd 17 дней назад

    Where is scapia credit card link?????

  • @Anilkumar-u7j8s
    @Anilkumar-u7j8s 11 дней назад

    correction, amex platinum trave annual fee is 5000 rupees

    • @arpitayan1
      @arpitayan1 11 дней назад

      sir for the 1st year it is 3500 +gst only.

  • @waveszoom11
    @waveszoom11 15 дней назад

    Please review SBI Elite Card

  • @funwould9118
    @funwould9118 18 дней назад

    18:30 it's 10% right

  • @amitabhmaheshwari
    @amitabhmaheshwari 19 дней назад

    What about SCB EMT card for travel ?

  • @arjunpadiyar7194
    @arjunpadiyar7194 19 дней назад

    Is Fedral bank issuing new scapia credit cards?