[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

# ![@think_in_points Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1959223681479024640.png) @think_in_points Think In Points

Think In Points posts on X about $hsbc, credit cards, money, insurance the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/creator/twitter::1959223681479024640/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1959223681479024640/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXX +459%

### Mentions: XX [#](/creator/twitter::1959223681479024640/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1959223681479024640/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XX +244%

### Followers: XXXXX [#](/creator/twitter::1959223681479024640/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1959223681479024640/c:line/m:followers.svg)

- X Week XXXXX +20%
- X Month XXXXX +175%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::1959223681479024640/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1959223681479024640/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1959223681479024640/influence)
---

**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXXX% [travel destinations](/list/travel-destinations)  XXXX% [countries](/list/countries)  XXXX%

**Social topic influence**
[$hsbc](/topic/$hsbc) #141, [credit cards](/topic/credit-cards) #660, [money](/topic/money) 4.65%, [insurance](/topic/insurance) #1122, [paris](/topic/paris) 2.33%, [eiffel tower](/topic/eiffel-tower) 2.33%, [hacks](/topic/hacks) 2.33%, [build a](/topic/build-a) 2.33%, [unboxing](/topic/unboxing) 2.33%, [fintech](/topic/fintech) XXXX%

**Top accounts mentioned or mentioned by**
[@ccg33k](/creator/undefined) [@ankitdewan](/creator/undefined) [@gautam888](/creator/undefined) [@shashankneepco](/creator/undefined) [@evrypaisamatter](/creator/undefined) [@kenu73](/creator/undefined) [@imyadav31](/creator/undefined) [@paisaprinciple](/creator/undefined) [@vodkawithlassi](/creator/undefined) [@hsbcin](/creator/undefined) [@sanchit9282](/creator/undefined) [@awasthiashish7](/creator/undefined) [@rajfno](/creator/undefined) [@starcommander10](/creator/undefined) [@bhmudit](/creator/undefined) [@suritalreja](/creator/undefined) [@savingssimpl](/creator/undefined) [@swiggycares](/creator/undefined) [@anotherbaniya](/creator/undefined) [@jassneetsingha](/creator/undefined)

**Top assets mentioned**
[HSBC Holdings PLC (HSBC)](/topic/$hsbc)
### Top Social Posts [#](/creator/twitter::1959223681479024640/posts)
---
Top posts by engagements in the last XX hours

"Ive applied for Schengen Visas multiple times and got all of them delivered within X working days Ive cracked a process that works for the salaried class. I have even built a detailed checklist + cover letter template. It helped my colleagues and I want to help others. 🧵"  
[X Link](https://x.com/think_in_points/status/1976324607868272890) [@think_in_points](/creator/x/think_in_points) 2025-10-09T16:31Z 1077 followers, 76.6K engagements


"My quick hack to know if a souvenir shop is overpriced while travelling - Check the price of fridge magnets or keychains first which are usually displayed outside the shop. 🧲🔑 I did this in Paris. If the Eiffel Tower keychain costs more than X the rest of the shops prices will be sky-high too. No need to even step in after that"  
[X Link](https://x.com/think_in_points/status/1977671653627757023) [@think_in_points](/creator/x/think_in_points) 2025-10-13T09:44Z 1077 followers, 1460 engagements


"Finally signed up for Topcash I discovered it rewards X% cashback on Accor Bookings only after I had already done all my bookings (non-refundable) for my recent Europe Trip. Anyway keeping it handy for next time. You can check it out here -"  
[X Link](https://x.com/think_in_points/status/1978668581802873243) [@think_in_points](/creator/x/think_in_points) 2025-10-16T03:45Z 1077 followers, 7000 engagements


"Grateful to cross 1000 followers on Think In Points 🙏 Started this page in late August with one simple goal i.e. to make money credit cards travel hacks and rewards easy to understand. 💳💡 The idea has always been to build a community of people who think alike. Those who love optimizing aren't just limited to credit cards but almost everything in life. 😉 Also a special thanks to @EvryPaisaMatter @ccg33k @gautam888 @akshat_money @imYadav31 @suritalreja @Kenu73 @ankitdewan @prashantnhn @SavingsSimpl @prashantnhn @ravihanda @DealDigger_ @PaisaPrinciple @drgrudge. Took a lot of inspiration"  
[X Link](https://x.com/think_in_points/status/1979169775277469816) [@think_in_points](/creator/x/think_in_points) 2025-10-17T12:57Z 1077 followers, 3997 engagements


"@Ankit_Tech_Ai @CRED_club There is actually an option to mark LTF. Saw it later. Thanks to some of the people in the comments who pointed it out"  
[X Link](https://x.com/think_in_points/status/1978527155979010180) [@think_in_points](/creator/x/think_in_points) 2025-10-15T18:23Z 1077 followers, XXX engagements


"Scapia's unboxing experience is seriously top-notch especially for a Lifetime Free card. 💳✨ The app experience is one of the smoothest Ive seen in the fintech space If youre looking for a zero-forex card with a slick UI and great travel rewards heres my referral link: You get 1000 Scapia Coins on activation (redeemable for travel) and if lucks on my side I might just end up with those AirPods Pro X 😆🎧"  
[X Link](https://x.com/think_in_points/status/1979526472269512830) [@think_in_points](/creator/x/think_in_points) 2025-10-18T12:34Z 1077 followers, XXX engagements


"@imYadav31 Classic dark UI/UX patterns 😆 Not allowing customers to cancel but selling a subscription is too explicit and out there"  
[X Link](https://x.com/think_in_points/status/1979607090906759434) [@think_in_points](/creator/x/think_in_points) 2025-10-18T17:54Z 1075 followers, XX engagements


"One thing every credit card geek should remember is that not every swipe is worth it. 💳 Once you get deep into the rewards game its easy to develop this mindset of everything must go on a credit card. Its great for rewards but sometimes the cheapest options dont even accept cards. Example - Wedding shopping from Chandni Chowk in Delhi will still be far cheaper than buying from a showroom/e-commerce even after factoring in 10-15% reward value from your card. Same logic for daily cab rides. If your daily XX Uber Auto ride now costs XXX because you switched to a cab just to swipe your card"  
[X Link](https://x.com/think_in_points/status/1977722992131219828) [@think_in_points](/creator/x/think_in_points) 2025-10-13T13:08Z 1072 followers, 13K engagements


"As kids we collected Tazos. As adults we collect credit cards"  
[X Link](https://x.com/think_in_points/status/1978077298789158999) [@think_in_points](/creator/x/think_in_points) 2025-10-14T12:35Z 1054 followers, 2601 engagements


"There was a time when lounge access actually felt premium. Now even lounges have their own hierarchies. Most seasoned travellers dont prefer the general lounges anymore. Theyre crowded noisy and have lost that old charm with deteriorating quality. People now aim for the premium lounges such as the Amex Centurion Air India Biz Class or other priority-access lounges basically the lounges above the lounge. And then there are some who skip lounges altogether and prefer sitting at those overpriced airport cafs or bars instead which some might see as the real flex Which category are you in when you"  
[X Link](https://x.com/think_in_points/status/1978835071642529899) [@think_in_points](/creator/x/think_in_points) 2025-10-16T14:47Z 1065 followers, XXX engagements


"@i_doc_mahi That's what I've been warned about from the elder folks in my family 😆"  
[X Link](https://x.com/think_in_points/status/1979218029440336298) [@think_in_points](/creator/x/think_in_points) 2025-10-17T16:08Z 1068 followers, XXX engagements


"On the HSBC spend-based offer if someone is able to spend 80L in X months purely on eligible transactions (since rent real estate wallet load insurance etc. are excluded) theyre already in a financial bracket where the iPhone or the benefits worth 7L are hardly meaningful. 😆"  
[X Link](https://x.com/think_in_points/status/1979477602068025519) [@think_in_points](/creator/x/think_in_points) 2025-10-18T09:20Z 1076 followers, 1933 engagements


"Term insurance was one of those things I kept procrastinating on for over a year not because I didnt see the value but because it was just too overwhelming to decide There are way too many variables - X How much cover is enough It's very custom depending on your income expenses assets & liabilities X Till what age X Which insurer and how do you even compare them X How to pay premiums Monthly or yearly And till what age X What about money-back plans X And those never-ending T&Cs on whats covered and whats not. Etc. Etc. Its one of those decisions a lot of people know they should take but they"  
[X Link](https://x.com/think_in_points/status/1979798483813929125) [@think_in_points](/creator/x/think_in_points) 2025-10-19T06:35Z 1075 followers, 1137 engagements


"Feels like a strategic miss here from ICICI Bank. iShop was built to drive cardholder value accelerate rewards and facilitate redemptions. If ICICI added jewellery GVs to the portal with 6X rewards they should have expected usage and designed limits not pulled the credit-card option entirely. If jewellery vouchers were included in the first place (with 6X rewards) what changed now If payouts were unsustainable sensible fixes would have been - Monthly caps per user or Lower reward multiples for that category. Removing CC as a payment option kills the whole point of iShop for engaged customers."  
[X Link](https://x.com/think_in_points/status/1979870019698737224) [@think_in_points](/creator/x/think_in_points) 2025-10-19T11:19Z 1075 followers, 1167 engagements


"Crossed 1L lifetime Edge Miles recently with my Axis Atlas Card about XXX years since I got it (April 2024). ✈ Easily one of the best value-for-money cards Ive picked up. Already maxed out 2025s Group A capping on Jan X this year 😅 and sitting on enough miles to hit the 2026 cap the moment it resets. Might need to bring in another card for Accor transfers looking seriously at the HSBC TravelOne now 👀"  
[X Link](https://x.com/think_in_points/status/1976912472180216289) [@think_in_points](/creator/x/think_in_points) 2025-10-11T07:27Z 1074 followers, 10.6K engagements


"Looks like HSBC underestimated how much traffic this new Rewards portal + Atlas Discontinuation + TravelOne buzz would bring Ever since they revamped the HSBC Rewards portal and started actively marketing their cards demand has increased but their backend support clearly hasnt kept pace. Im an existing HSBC Visa Platinum holder and tried applying for the TravelOne Card online. Midway through the process (step 3) I got a message saying: Seems like youre an existing customer our support team will contact you in X days. No call for X days until I contacted their support to request a callback."  
[X Link](https://x.com/think_in_points/status/1976969521408749647) [@think_in_points](/creator/x/think_in_points) 2025-10-11T11:13Z 1076 followers, 9973 engagements


"Just tested @CRED_club's new credit card milestone tracking feature and heres what I noticed 👇 Its showing a spend-waiver milestone for my Swiggy HDFC Card which I actually hold as LTF. So clearly they dont have that context. Then on my Axis Atlas the spends shown on CRED differ by over 1L compared to what the Axis app shows. Same with EPM Ive spent far more than what CRED is tracking. There are also untagged spends which basically means CRED is tagging each transaction applying its own logic for exclusions and ignoring what it cant classify. 🚨This confirms what I initially thought. The"  
[X Link](https://x.com/think_in_points/status/1978348362895077646) [@think_in_points](/creator/x/think_in_points) 2025-10-15T06:33Z 1073 followers, 17.4K engagements


"Over a week since I'm trying to upgrade my HSBC Visa Platinum to TravelOne. After 4+ calls to customer care the pattern is this - Customer care says We cant process it were not the sales team. Then they promise a priority callback that never actually happens. Tried applying online too it detects Im an existing customer and stops midway with Well call you. That call never comes either. Honestly how difficult can it be for @HSBC_IN to issue a credit card to someone who already has one with their bank with all KYC and details verified Anyone else stuck in the same loop 💳"  
[X Link](https://x.com/think_in_points/status/1978461759804743693) [@think_in_points](/creator/x/think_in_points) 2025-10-15T14:03Z 1076 followers, 1725 engagements


"EPF and NPS (employer-linked) auto-deduct every month forcing you to save first and spend whats left. Its built on trust that the government will return your money when you need it. I personally invest in both and that too a good amount per month. However I feel that trusts fading fast - with several stories of claim rejections random rule changes endless processes forced annuity lock-ins etc"  
[X Link](https://x.com/think_in_points/status/1978871921342107654) [@think_in_points](/creator/x/think_in_points) 2025-10-16T17:13Z 1073 followers, 3201 engagements


"Finally went ahead and got the Scapia Credit Card which has been the talk of the #CCGeek town for some time. Thanks to @CreditCruze for the referral The process was super smooth and since I already had a Federal Bank account no KYC was needed. Got the virtual card activated instantly. The main reason I got it was that till now I used a combination of Niyo DCB (debit-based forex spends) and credit cards like Atlas & EPM for forex spends. Niyo DCB works great but its still a debit card which requires money to be pre-loaded. Even though Scapias forex spending doesnt earn rewards I prefer having"  
[X Link](https://x.com/think_in_points/status/1979062317456277644) [@think_in_points](/creator/x/think_in_points) 2025-10-17T05:50Z 1073 followers, 2568 engagements


"I actually ordered a gold coin this morning and the app clearly showed XX% cashback using the Swiggy HDFC Card during checkout. There was no banner about gold/silver being excluded so I went ahead and placed the order. A few hours later the app got updated the cashback message disappeared and suddenly there was a new banner excluding gold/silver. 😐 Honestly this isnt cool. @Swiggy @SwiggyCares cant just change T&Cs without notice especially when customers make purchases based on whats shown in-app. Lets see if I still get the cashback when my statement generates but this definitely needs"  
[X Link](https://x.com/think_in_points/status/1979225043545608669) [@think_in_points](/creator/x/think_in_points) 2025-10-17T16:36Z 1076 followers, 1091 engagements


"Dhanteras arrived early this year. ✨ Got this 1g Kalyan Gold Coin using the Swiggy HDFC Credit Card from Swiggy Instamart 💰 Price: 13853 💳 After XX% cashback: 12467 🏷 Current market price: 13292 Sweet deal overall Thanks to @GoldDealsIndia & @ccg33k for the tip 🙌"  
[X Link](https://x.com/think_in_points/status/1979043710651301897) [@think_in_points](/creator/x/think_in_points) 2025-10-17T04:36Z 1075 followers, 10K engagements


"@anotherbaniya 7011 is the most common. It's for Lodging specifically identifying businesses like hotels motels and resorts"  
[X Link](https://x.com/think_in_points/status/1980246679833235637) [@think_in_points](/creator/x/think_in_points) 2025-10-20T12:16Z 1075 followers, XX engagements