Icici bank credit card reward points no longer credited to Payback

For almost a decade, Icici bank credit card reward points were credited to Payback, and the account holder could use these points to purchase various items on Payback. However, for reasons which are not known, from April 1, 2022, it appears that the reward points are not being credited to the payback account
The credit card statement only shows the total points which the user is getting in a month
Online workers, paypal account holders in India, victims of government slavery are getting almost nothing free, so these reward points are the only way they can get a few items without making additional payment.

Money is virtual, fraud is real: Your Mind will be changed

Reading news about cryptocurrencies – 1660 Mining Settings – thinking it is nothing, our people are not so stupid that they get caught up in this whirlwind. Without warning, a class vice-president in Son La was assigned to collect more than 300 million dong of your tuition in class, but did not pay it to the school, but used it to invest in virtual money . It is not clear what kind of currency she plays on the Binance exchange, only losing all her money, now facing a prison sentence for property appropriation.

The first is that there is no shortage of authoritative, reputable people who assert that cryptocurrencies have no value. European Central Bank President Christine Lagarde recently said in an interview: “I have said many times that cryptocurrencies are extremely speculative, very risky assets. I mean it’s worthless. It’s not based on anything, there’s no underlying assets to act as a safe anchor.”

Money has three functions: medium of exchange, unit of account, and store of value. Cryptocurrencies are almost impossible to use as a medium of exchange, stories about using Bitcoin to drink coffee are just a show because each transaction is both time consuming, expensive in electricity and quite expensive.

It must not be a unit of account because prices fluctuate wildly, only the function of storing value is left, so now almost everyone, including supporters, consider cryptocurrencies to be an asset. property, not real money.

Any property must have some intrinsic value, a tissue is also used to wipe the mouth or a goose feather is also used as a prop in the movie Forrest Gump , but cryptocurrencies carry no value. whatever it is, it’s only worth it, that’s what people say, let go of this belief and it’s trash – that’s what Mrs. Largarde and many others mean.

In contrast, proponents of cryptocurrencies only disparage anyone who doubts, but offer no convincing arguments. The guy Do Kwon, the founder of the TerraUSD coin and Luna, has lost 99% of its value (see Youth Weekend issue 19-2022), once mocked an economist when she made arguments that the currency Kwon’s price anchor is worthless with a sentence: “I do not argue with the poor”.

Another, a former founder of a blockchain company called Paxos, thinks Kwon’s pricing mechanism is absurd; Kwon replied, “What the hell is Paxos?” This guy often promotes his coin with PR tricks like naming his newborn daughter Luna: “My most beloved creation is named after my greatest invention”. Just full of big, cliché words like that, but still attract many people, maybe including the deputy classmate in Son La!

Well, let’s say it’s a debate between the two sides, how to know who is right and who is wrong. Thinking like this, the purpose of many people when playing virtual money is to wait for it to rise in price, sell it, and earn a profit. So why does it keep increasing in price, on what basis to increase its value?

After all, the biggest contradiction lies within cryptocurrencies: its value lies in the trust of the community, losing trust will cause the currency to collapse. This is nothing more than a postmodern theory: there is no real value, only a narrative of value created by people and together believe it or not – because a cryptocurrency is essentially lines of code. code on the computer.

However, the underlying technology that operates cryptocurrencies, which is blockchain, eliminates trust, relying only on distributed ledger technology for the majority to record transactions. These two opposing values ​​will eventually lead to disaster like the recent price crash of the TerraUSD and Luna currency pair.

Despite being in the industry, software engineer Molly White was previously quite indifferent to blockchain and cryptocurrencies (crypto). She believes that this is still a niche technology and perhaps most people who are interested in investing are well aware of its risks, especially its uncertainty and unpredictable value, the rest if not. nothing to do with cryptocurrencies, just don’t throw money in.

By the end of 2021, White noticed a big change in the way people talk about cryptocurrencies. “From being mainly used as a type of speculation by people willing to take risks in exchange for profits…, everyone wants a crypto wallet and everyone wants to participate. blockchain-based projects,” White told the Harvard Business Review (HBR).

The software expert officially couldn’t sit idly by when “cryptocurrency started to be promoted as something everyone had to be part of, and when projects started trying to appeal to a broader audience that is often who don’t seem to understand technology and financial risks.”

White is seen as a crypto skeptic. In addition to her personal page mollywhite.net, she also created a page “Web3 is Going Just Great” and recorded in chronological order incidents and problems related to Web3 technology, blockchain and cryptocurrencies such as fraud, technical problems, floor collapse, “smelly” deals.

“I’ve seen a huge number of Web3 and crypto projects go awry: people come up with bad ideas and individuals and businesses lose tons of money to scams, hacks and bugs. users” – White explains the reason for creating a “warning story” website for those who have a hard time resisting flashy hype about the crypto world.

In the same interview, which HBR published titled “Warning Lessons from Crypto Land,” White explains why she’s skeptical of the familiar pretense that blockchain will decentralize the web and provides new sources of wealth and opportunities even for the “unbanked” (who have not yet accessed banking services). “It’s hard for me to see a future where a technology that isn’t well regulated and presents the wrong financial incentives could lead to a more equitable and accessible system,” she said.


Regarding how blockchain and crypto will help the “unbanks” access banking, White thinks that people are falling into the familiar trap of the tech world: trying to solve social problems with technology.

“People are inherently unable to access banking services not because of technical factors, but for a variety of reasons: no money to open an account, no paperwork, not being able to move to the bank. or access online because there is no network, or they may not trust the bank because the financial and judicial systems where they live have high levels of corruption.These are problems that cannot be solved unilaterally. by bringing everything on the blockchain”.

In contrast, crypto solutions will create more financial barriers instead of tearing them down. Specifically, users must have a certain level of security to protect crypto wallets; must have knowledge and time to learn and research projects to know what is a valid project and which is a scam.

In addition, when there is a problem with crypto exchanges, the current regulatory framework does not have any provisions to protect users and help them troubleshoot if they are scammed.

In short, White does not believe that cryptocurrency and blockchain-based technologies are the solution to such problems as creating a fair and accessible financial system, a more equitable distribution of wealth in society, ensuring privacy and control over personal data…

“These are social problems, not technological problems, and the solutions will come from social and political change,” she concluded.

Bank marketing credit card aggressively yet user cannot activate the credit card

Some indian banks are marketing their credit card very aggressively to the customer, sending the credit card to the customer.
Yet there is a major loophole in the banking credit card system, the user cannot activate the credit card,
Despite trying to activate the credit card repeatedly it is giving an error
It appears that some hacker has deactivated the credit card

Due to the lack of honest obc/bhandari officials, bhandari professionals, investors targetted for credit card fraud

While brahmins, sindhis, gujjus, rich and powerful communities will support innocent investors, professionals, obc/bhandari officials like cheater chodankar, naik are extremely vicious in slandering hardworking bhandari engineers with good JEE rank so that they can cheat, exploit and rob them for the rest of their lives.
Due to the dishonesty of obc/bhandari officials/leaders, bhandari investors especially domain investors are victims of credit card fraud, with shameless scammer sindhis, gujjus, goans, khatris and other frauds falsely claiming to own the sbi, icici credit card though the greedy khatri gurugram cheater raw employee ruchita kinge has not applied for the credit card and does not pay the credit card bill, yet makes fake claims and gets a monthly government salary.

Indore robber housewife deepika/veena continues with her credit card fraud on her relative to get a monthly government salary

It can be legally proved that indore robber housewife bespectacled deepika/veena has lived in mumbai only for less than 5 years between 1995 and 2000, after which she got married and is living in indore with her husband. Since her husband mahesh is well off, she is a housewife only cooking and cleaning for her husband, she does no computer work, has no online income and does not invest money in domains,
yet in a vyapam type financial fraud on her relative, a hardworking single woman engineer, the madhya pradesh/indian government is falsely claiming that the indore housewife deepika/veena who has not applied for any credit card, does not pay any credit card bill, owns the icici and sbi credit cards of the single woman engineer to pay the indore robber deepika/veena a monthly government salary at the expense of the single woman engineer, domain investor who is making great financial losses, because of the government financiual fraud on her
Financial records also show that the indore robber housewife deepika/veena has never made any paid any credit card bill for domains like other fraud government employees goan bhandari sunaina chodan, siddhi mandrekar, greedy goan gsb fraud housewife robber riddhi nayak caro nayanshree, gujju stock trader amita patel, haryana scammer ruchita kinge, sindhi scammer school dropout naina premchandani, her scammer sons karan, nikhil, yet government agencies continue with their credit card fraud on the single woman engineer since 2012.
Taking advantage of the lack of honest obc/bhandari leaders/officials, like the goa, karnataka, haryana government, the madhya pradesh government continues with its credit card fraud on the single woman engineer, domain investor

Even bank employee could not set credit card pin

Though credit cards are being marketed aggressively, some credit card holders find that they cannot use the credit card, it cannot get activated
Indicating that the domain investor is one of the most hated persons in the tech and internet sector in india due to reasons which remain a mystery, even bank employee could not set credit card pin
Since the domain investor wanted to update her passbook, she visited the bank and asked the staff to help her set the pin, since she had not used the credit card.
The bank employee wasted a lot of her time and the domain investors time, yet the credit card pin could not be set.

Due to lack of honest obc/bhandari leaders, officials, hardworking bhandari investors become victims of government credit card fraud

Usually no one falsely claims to own the credit card of another citizen, yet Due to lack of honest obc/bhandari leaders, officials, hardworking bhandari investors become victims of government credit card fraud with goan call girls, sindhi scammers, cheater, robber housewives falsely claiming to own their credit card to get a monthly government salary while the government ignores all the complaints, claims of bhandari investor who has applied for and paid the credit card bill since 2011.
Financial records will also prove that the government employees like goan bhandari sunaina chodan are not paying any money for the credit card bill, yet they are able to manipulate the government systems with the help of corrupt bhandari leaders, officials like cheater chodankar, naik to make fake claims of credit card ownership, and get government salaries at the expense of the bhandari investor, credit card holder
Indian tech and internet companies, allegedly google, tata are also allegedly supporting the government employees in their credit card fraud since 2012, so the real credit card holder, continues to make LOSSES , since government agencies continue with their financial, credit card fraud on her.

Brahmin top ntro employee j srinivasan , hacks computer of domain investor furious that his greedy goan bhandari SUGARBABY sunaina chodan’s sbi credit card, fraud is exposed

Taking advantage of the fact that top greedy goan bhandari officials, leaders like cheater chodankar, naik are pathological liars, shameless frauds with zero personal, professional integrity ruthless in criminally defaming hardworking bhandari professionals, investors like the goa 1989 jee topper, a single woman engineer, to ruin her reputation completely, Brahmin top ntro employee j srinivasan ran a massive identity theft, financial fraud on his female btech 1993 ee classmate from iit bombay who he HATED,monitoring her closely giving the fake excuse of national security, so that he could make fake claims,get a monthly raw salary and great powers for his greedy goan bhandari SUGARBABY sunaina chodan, without investing any money in domains at the expense of his engineering classmate
when the single woman engineer was in goa, brahmin cheater j srinivasan, goan bhandari scammer sunaina chodan could get away with her financial, online fraud,criminally trespassing on the mailing address of the single woman engineer with the help of her powerful relatives cheater chodankar, naik working in intelligence and security agencies in a real estate fraud.
The greedy goan bhandari officials allegedly supported by the top indian tech and internet companies were extremely aggressive in their financial,online fraud on the single woman engineer,not allowing her to even get her house repaired.
Hence the single woman moved back to her mailing address in mumbai, changed the address in her credit card. Furious that his greedy goan bhandari SUGARBABY sunaina chodan’s sbi credit card fraud was exposed, top brahmin ntro employee j srinivasan has hacked the computer of his btech 1993 ee classmate from iit bombay,so that she cannot accept any writing requests from a client in singapore wemakeitwork and she cannot even login to her gst account

Cannot set pin for credit card

Though credit cards are being marketed aggressively, some credit card holders find that they cannot use the credit card
For one bank, the domain investor received a credit card, she was told that the pin is set using a machine
Despite wasting a lot of time, she was not able to set the PIN on the machine.
She was then told to use internet banking, and even that did not work, so the credit card has not been used.

Cybersecurity experts believe that actual credit card fraud cases are more than 10000 annually

Times of India reported that 1075 credit card fraud cases were registered in 2021 in Mumbai
Only cases where the loss is more than Rs 10 lakh are registered, often where the victim loses less money they do not register a case
Cybersecurity experts believe that actual credit card fraud cases are more than 10000 annually, many people do not want to waste their time visiting the police station repeatedly, so they do not register the case.
The domain investor is currently in Mumbai, and as a social service offers free help to cybercrime victims to help recover their money since greedy government employees are falsely claiming to own her credit cards to get monthly government salaries at her expense.
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