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In times of urgent need of cash when your bank balance is low, credit card comes as an helping hand. They help you buy goods and services almost anywhere and anytime. One of the greater charms of using credit cards are that, they are hassle free, easily accessed, and less time-consuming compared to normal format of applying for loans. But there can be an occasion, that you want to use your credit card in emergency, however, cannot do so because you are blocked. Invalid credit card can be due to various reason and requires attention. It is very important be aware of various steps that can help you unblock your credit card. msnTarGet.com

Let’s understand, various situation to why your credit card was blocked and what can be done in such scenarios. 

Is your credit card blocked? Don't panic, do this (Unblocked Credit Card)

Is your credit card blocked? Don't panic, do this (Unblocked Credit Card)
Is your credit card blocked? Don't panic, do this (Unblocked Credit Card)

1. Over utilization 

Generally, the lowest credit card has a transaction limit of Rs 25,000 a month for every individual. There are host of categories in credit cards like classic, premium, gold, etc. and their transaction limit is different. The higher is your credit card, for instance gold or premium - then the higher will be your usage limit in a month. Fun2Ind.com

However, not many are aware that their credit cards can be blocked on over utilization. For instance, you continue to swipe and exhaust the limit of the credit card, then it will be blocked. 

What can be done?

When the card is blocked in this case, you can unblock by making the payment of the amount used. However, making payment of the amount used will not be an ideal situation for many citizens, as the idea behind using the credit card in the first place was because they were out of cash. soas.in

Thereby you should always keep a check of your credit card limit and balance. 

For instance at SBI: To know your available limit, SMS AVAIL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791. 

To know your total outstanding, SMS BAL XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791. 

2. Irregular payments! 

While one just thinks of credit card usage in emergency basis, the real problem occurs while repaying the debt. Often a new customer has not pre-planned on how to repay dues of this card. If they missed the deadline to make repayment of debt or even minimum amount then their card will blocked. mobask.com

What can be done?

One has to make an immediate payment! Banks allow you to make payment of total outstanding balance or total amount due or minimum amount due for unblocking your credit card.

For example, if you credit card limit is Rs 25,000 and you have made a transaction of Rs 19,000 on January 1, and you missed the deadline for first installment. Then you can either pay entire Rs 19,000 dues along with interest depending upon banks or just pay minimum amount due which will vary from Rs 1,000 to Rs 3,000. The moment you follow this procedure, you are free to access your credit card once again and continue repaying your debts.

3. Payment default on 3 transactions. 

First payment default is still not much burdensome, if you continue to default on three payments. Then, your debt will continue to rise due to interest levied by banks. Meantime, your credit card will be blocked until any payment is achieved. 

This will also hamper your credit history. Such would drag down your credit score and even your chances for availing any kind of loans like personal, home or vehicle in future. 

What can be done? 

The procedure to come out of this trap is also same like the first defaulting case. Either make immediate payment of outstanding balance or minimum amount dues or total amount dues. 

4. Between 4-6 payment default! 

Despite repeated reminders, if you still continue to not pay your credit card dues, then your card will be permanently withdrawn from banks. In short, they will be made invalid. 

What can be done?

Firstly, make the payment of the entire debt amount at your bank. After completing this process, you will have to contact your bank customer care number or visit branch, for registering your credit card so that it can be re-activated. MsnTarGet.com

This will take a long process, as banks will review your request and consider your past history. Chances for re-activating your credit card will be limited in scenario.

5. Written-off accounts!

SBI on its website says, “In case your SBI Card account has been written-off, credit facility on your card will be permanently withdrawn and cannot be re-activated.”

This scenario takes place, when you have defaulted for six-consecutive payments. 

What can be done?

Most bank allows you to re-apply for a new credit card. In case of SBI, the bank says to apply afresh for their Unati card only after due diligence. 

These terms are - that you have to pay complete outstanding balance of your card. Secondly, you must be an account holder of that bank and finally you must have an term deposit account with SBI. Fun2Ind.com

By having a term deposit account with SBI, will also mean that it will be kept under Card’s lien during the tenure of credit card.

In case of written-off, after paying the entire dues you can request for clean-up of your CIBIL status which increases the possibility for future credits. The process generally takes 45-60 days. 

6. Suspicious activity! 

Many banks follow a very stringent method to ensure that your credit card remains safe and secured. Hence, if there is any suspicious transactions, the banks have the power to proactively block your card in order to protect you from further misuse. These suspicious activity can be anything, for instance your card is lost or someone has hacked your internet banking or misused your phone number.

Also, if you have received a transaction alert which you have not carried, then it is advisable by the bank to block your card immediately. 

What can be done?

If you have received any message for unauthorised transactions, then you can block your card by calling the helpline number of your bank. For instance at SBI,  block your card SMS BLOCK XXXX (XXXX=last 4 digit of your SBI Credit Card) and send it to 5676791 or call our helpline 18601801290/39020202 (prefix local STD code).

If the bank blocks your card, then you will have to call helpline number to re-activate the card with new password or else apply for a new card.

7. Non-receipt of KYC documents! 

Government and RBI are very serious about having adhere KYC norms for securing your datas and ensure transparency in your financial transactions. 

As per RBI, it is required for all credit card customers to comply with ’Know Your Customer (KYC)’ norms and provide requisite information and documentation periodically. In case you fail to do so, your card may be temporarily deactivated for usage.

What can be done?

For activating your credit card, you must first submit all the required documents to your bank. 

These documents are - Aadhaar card, passport, voter’s card, driving license, PAN Card and also some banks take in form 60, passport size photographs.

You must submit a duly signed KYC renewal declaration form.

8. Permanent closure! 

There can be situation where you just do not want to continue using your credit card. This arises especially in the case, where repayment of dues become a major concern. Hence, the card holder puts a request for deactivating the credit card.

What can be done?

You can re-activate your credit card as per your bank’s terms and condition once again, after voluntarily block. Some banks allow you to log a request, however, it must be done in a specified time. For instance, SBI allows to re-activate credit card only within 3 months of blocking.

Hence, if you are credit card holder and are facing blocking issues, then remember the above mentioned pointers for your financial needs.

WhatsApp is rolling out its latest authentication feature for all beta users. The authentication feature is a part of other new features which WhatsApp will be starting to enable their beta users after opening the first official public beta program. The latest authentication or unlock feature is available in the new 2.19.20.19 beta update published through TestFlight beta program. The new update now adds fingerprint lock to the WhatsApp application on the iPhone. The new beta feature rollout was spotted by WABetainfo. msnTarGet.com

WhatsApp adds fingerprint lock to chats: Here's how to get started using new WhatsApp Screen Lock feature

WhatsApp adds fingerprint lock to chats: Here's how to get started using new WhatsApp Screen Lock feature
WhatsApp adds fingerprint lock to chats: Here's how to get started using new WhatsApp Screen Lock feature
If the user is on the iPhone X or above, then FaceID unlock is available. However, for iPhone below that, TouchID or passcode is available. In the WhatsApp settings, if users choose Screen Lock, they can choose to start the authentication feature for their devices. Starting the feature will, however, still allow users to reply to received messages straight from the locked screen notifications and also answer WhatsApp calls without any authentication. Fun2Ind.com

The user will have to configure the TouchID or FaceID unlock feature on WhatsApp. After the configuration is done, users will have to shut down the app and restart it again. After that users can authenticate their identity in order to use WhatsApp. If the iPhone TouchID fails, users can also log in via passcode. For iPhone X, and above, the FaceID works. soas.in

When the biometric unlock security feature is enabled on WhatsApp, the preview snapshot of the app will go empty and will show nothing. In terms of privacy, the fingerprint and the face unlock data are encrypted in your iPhone. WhatsApp will not get your security data as it is managed on phone-level access and extraction of this information is not possible. Hence it could be said that the fingerprint unlock feature for WhatsApp is safe to be used. MobAsk.com

Dish TV Channels Selection Process: Telecom Regulatory Authority of India (TRAI) has introduced a new framework for DTH cable television providers in India. These new rules have come into effect from today, that is February 1. Subscribers were required to select at least 100 channels before the deadline. The subscribers who didn’t select their channels till the deadline, have had their channels pre-selected by the respective DTH providers with regard to the closest channels that resembled their earlier plan. msnTarGet.com

Dish TV DTH channels selection: How to choose channels online as per TRAI’s new rules

Dish TV DTH channels selection: How to choose channels online as per TRAI’s new rules
Dish TV DTH channels selection: How to choose channels online as per TRAI’s new rules
Dish TV has listed all of the channels along with their list price on their official website according to TRAI’s new guidelines. If you haven’t selected, which channels you want, here’s how you will be able to do it. soas.in

How to choose channels on Dish TV


For selecting channels that any Dish TV subscriber wants to watch, they can log in to the company’s official website or mobile application with their registered mobile number or subscriber ID. The company will then send an OTP to the customers registered mobile number, which can be used to sign in. Fun2Ind.com

Once the Dish TV DTH subscriber is logged in to the website or the mobile app they will then get to see their current DTH service details, like the amount of money they have in their digital wallet, plans and much more. There they can then choose between three broad categories – Dish Combo, Channels, Bouquets. MobAsk.com

If the user decides to pick all their channels manually, they will be required to select a minimum of 100 channels to keep their connection live. HD (High Definition) channels are counted as two SD (Standard Definition) channels, so if the user selects 50 HD channels, he can leave the rest and enjoy those 50 channels. Subscribers can filter their search by selecting a language or category like English, Infotainment, Kids. msnTarGet.com

The price will constantly keep on updating in the user’s cart. The network capacity fee (NCF) has been set by TRAI and is the same for all operators. The NCF is Rs 130 along with 18 per cent GST, the total of which amounts to Rs 153. There are many channels like Star Plus and Sony, for which the subscribers will have to pay an extra fee, due to these being marked as paid channels.

NCF per 25 extra channels over 100 basic channels, will require the consumer to pay Rs 25 extra. All DD channels are mandatory and can’t be removed from a customers list.

WhatsApp has released a new beta version of its Android app for the chat app users, and the latest release brings a useful feature along. The WhatsApp for Android beta version 2.19.33 adds the ability to download a single sticker from a pack. Earlier, a WhatsApp user was forced to download the entire sticker pack even if the person just wanted to use a single sticker from that pack. There was no option to download one sticker individually and leave out the rest. This download single sticker feature has now been made live with the latest beta update and is set to come in the stable update soon. msnTarGet.com

WhatsApp for Android Gets Download Single Sticker Option: Here's How It Works

WhatsApp for Android Gets Download Single Sticker Option: Here's How It Works
WhatsApp for Android Gets Download Single Sticker Option: Here's How It Works
1. WhatsApp updates its Android beta app to version 2.19.33
2. It introduced download single sticker option in the latest beta
3. WhatsApp stable app to get the feature in next Google Play update. Fun2Ind.com

In order to use this download single sticker option, you must be using the latest WhatsApp for Android beta version 2.19.33. After downloading the update, open the in-app WhatsApp Stickers Store and long press on a sticker in a not-yet-downloaded stickers pack. WhatsApp will then prompt to ask if you want to save that sticker as favourite. It will show you the download size of the single sticker and offer a download option at the bottom for saving the sticker in the app. MobAsk.com

This new feature is very useful, especially for those who want an uncluttered stickers menu with only the relevant ones showing up. It also saves precious data for all the limited pack users. This feature was spotted by WhatsApp beta news tracker WABetaInfo. The website also states that this feature will be available in the next Google Play stable release with the build number 2.19.33+. soas.in

Furthermore, the tipster notes that the WhatsApp for Android 2.19.33 beta update also indicates that the WhatsApp Pay feature may be coming to the United States soon. Previously, the tipster had claimed that it is also set to arrive in Mexico as well. As a part of his remarks during Facebook's Q4 earnings call, Mark Zuckerberg revealed that the company will roll out Payments on WhatsApp in select other markets this year. msnTarGet.com

WhatsApp Payments was first introduced in India in February last year, first in the beta version of its Android and iOS apps, later in the stable version. The feature itself still remains in beta and hasn't been rolled out to all users of the chat app in the country because of the regulatory hurdles.

There are more than a billion WhatsApp users and the Facebook-owned platform has become one of the most preferred instant messaging app in the world. On the other hand, WhatsApp also has a plethora of useful features which make the overall user experience better in every sense. However, as we are connecting with more and more people through WhatsApp, the one problem that a majority of users are facing is related to their device storage and cellular data. msnTarGet.com

You might be one of those users who get a lot of messages in their WhatsApp chats most of them being media files such as images, videos, recordings and more. Since all of this is downloaded in your smartphone, these media files from WhatsApp take up a lot of space in the device’s internal storage. Moreover, these files also consume a lot of cellular data since WhatsApp auto-downloads all these files. soas.in

WhatsApp trick: How you can save lots of mobile data and free up storage on your phone

WhatsApp trick: How you can save lots of mobile data and free up storage on your phone
WhatsApp trick: How you can save lots of mobile data and free up storage on your phone
For the unknown, WhatsApp default settings are set to auto-downloads of media files and if you are looking to save on some cellular data as well as your smartphone’s storage, here is a WhatsApp tip you need to know. You can disable WhatsApp auto-downloads on your smartphones, be it an Android or an iOS device, and here is how you can do it. Fun2Ind.com

WhatsApp trick: How you can save lots of mobile data and free up storage on your phone on iOS

1. Open the WhatsApp app on your smartphone.
2. Tap on the Settings icon situated at the bottom right corner.
3. Select 'Data and Storage Usage' option.
4. Set photos, audio, videos and documents downloads to "never".
5. You will now need to manually download all the media files in WhatsApp Chats.

WhatsApp trick: How you can save lots of mobile data and free up storage on your phone on Android mobask.com

1. Open the WhatsApp app on your smartphone.
2. Tap on the Settings icon represented by three dots situated in the top right-hand corner.
3. Go to 'Media Auto-Download' option.
4. Disable auto-downloads for images, video and audio files.
5. You will now need to manually download all the media files in WhatsApp Chats.

Nothing is private in the day of the Internet – and that goes for your personal, even deleted WhatsApp messages as well.

Currently, the app allows users to delete specific messages sent either to a group or an individual in the “Delete for everyone” option, replacing the message with a “This message was deleted” in the chat. However, there are a few caveats even with this tool. For starters, both you and the recipient must be using the latest version of WhatsApp. Even then, recipients may see your message before it’s deleted or if the deletion was not successful – and that’s only if you delete it within an hour after sending. msnTarGet.com

Deleted WhatsApp Messages Can Be Restored - Here’s How

Deleted WhatsApp Messages Can Be Restored - Here’s How
Deleted WhatsApp Messages Can Be Restored - Here’s How
Here’s the catch: Deleted messages are actually stored on your phone and can be recovered using the app’s recovery feature. While chat histories aren’t stored on WhatsApp’s servers, the platform says messages are backed up and stored in a variety of places that aren’t protected by WhatsApp's end-to-end encryption. Fun2Ind.com

For iPhone users, chat histories are stored in the iCloud via an automatic backup option or can be done so manually at any time by going to WhatsApp > Settings> Chats > Chat Backup > Back Up Now. Recovering your chat history from iCloud is even easier. After verifying that a backup exists, simply delete and reinstall WhatsApp from the App store, verify your phone number, and follow the on-screen prompts to restore your chat history. Perhaps more unnerving, the app has an option for you to email yourself a copy of the entire chat history. soas.in

Android users are able to backup chats and media to Google Drive, making it even easier to transfer any data stored to a new device – and it doesn’t even count towards Google Drive's storage quota. Similarly, information can be automatically or manually backed up by opening the app and hitting Menu > Settings > Chats > Chat Backup and tapping Back up to Google Drive and selecting a frequency other than Never. Restoring from Google Drive is just as easy. Again, just uninstall and reinstall WhatsApp, verify your phone number, and hit Restore. mobask.com

Just a few days ago, Facebook announced plans to merge WhatsApp, Messenger, and Instagram. Founder Mark Zuckerberg said the three apps will remain standalone and separate but that users will be able to message each other between the three apps without having to switch platforms, requiring every communication to be encrypted from end-to-end. Currently, WhatsApp is the only app of the three that has this as a default option.

How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp – By now, there are hundreds of tools available that can make you send the bulk SMS (Short Message Service) for free.

But after a certain point of time or use, Bulk SMS sending doesn’t remain free anymore and becomes the paid one. Today, in this guide here on MsnTarGet.com media, we will completely look at How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp. msnTarGet.com

Now, there are various possible ways to do so. But at first, we will be looking at How to Send bulk text messages to a mobile number by using Gmail google sheet?

Thus, today I will show you how to broadcast bulk SMS directly from the Google Sheets. Messages are sent securely using your station account credentials. Open your Gmail account, go to Google Drive, open a Google Sheet from here.

Simply Populate columns in the Google Sheets. Warns the mobile numbers in the international format. Clean the message to films next page mobile number. Click add on, get it on, search txtNation. soas.in

How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp

How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp
How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp
As of now, in the next part of the post, we will be taking the example of bulksms.com. Although, there are hundreds of Bulk SMS (Short Message Service) sending tools on planet earth. To send an SMS message, click new message on the Home tab. You can send your SMS messages to an individual or to a group.

If the individual contact has been saved to your bulk SMS text message, your contacts enter the first few letters of their names in the field and press Enter to send your SMS message to one or more existing contacts.

Click – to view your complete list, double click the contacts that you want to send your message to. You can also enter the mobile phone number of the message recipient.

Don’t forget to enter the country code when entering a mobile phone number. If you are sending an SMS message to an existing contact group, you can enter the group’s name in the group field and press Enter.

Or you can click on the group button and select the relevant group. Now type your message, as you type, you will see on the bottom left of your message screen the number of characters used and remaining.

This will update as you type. A standard SMS message can be up to 160 characters and a Unicode message can be no more than 70 characters. Click send to send your message straight away. Fun2Ind.com

If you would like to schedule your message for a future date, click schedule, tick to confirm and enter the date and time would like your message to send.

You can also save your message as a draft by clicking here or here to save your message as a template. To see if your SMSs have been delivered, go to your sent items, double click the message to get the delivery report.

Now we will show you how to import contacts from an excel spreadsheet for bulksms.com. When importing contacts from an Excel spreadsheet, CSV or text file, you need to ensure that your contact list is formatted correctly.

This means that you have a minimum of three columns, namely mobile number, first name and surname. Be sure to include the relevant country code when listing mobile number.

If you would like to insert custom fields for personalised SMS messaging, ensure the relevant columns are inserted as well.

Once your spreadsheet is up to date and accurate, you can open the bulk SMS text messenger, go to the contacts tab and click on the important contacts icon. The import wizard box will pop up.

Now let’s see the process of importing contacts from an Excel Spreadsheet. Similar steps will be taken when importing a CSV or text file. Select the type of file you want to import and click Next.

Click the select file and find the file on your computer. Click open. Confirm that this is the file you want to upload and click next. 

Click map fields to ensure the bulk SMS text messenger links the right content to the correct field. MobAsk.com

Choose whether or not to ignore the first row, you can also choose whether or not you want the text messenger to automatically generate the first name, surname and display name.

If your spreadsheet has more than one sheet, you can choose which sheet you would like to upload.

To map the columns to the correct field, you will need to click the map button at the top of each column.

Choose the relevant field to map back to that particular column in your spreadsheet. Do this for all relevant columns, you don’t have to map each column but you must map at least the first name, surname and mobile number.

Once you have mapped the relevant fields, click OK. Make sure you have mapped the correct content to correct columns and then click next.

You can either choose to add these contacts to an existing group by ticking the group name and clicking next or you can create a new group by clicking add group.

Enter the new group name, click OK.

Your new group should now be available and it should also be ticked once. You have chosen the relevant group for your contact list to important to click Next.

If all of your contacts have the same country code, don’t change Auto format mobile numbers for this country.

Just make sure you select the correct country from the drop-down list. If however, your contacts are not all in the same country, you can uncheck this box. 

You then need to choose whether or not to update existing contact information or not to import any existing contacts.

Click Next and you will be asked to complete the import. Giving an overview of the number of the contacts to be imported, click Yes.

The import wizard outline how many contacts were in the file and how many were added or updated.

Click Finish to view your imported contacts, click groups on the left-hand menu and select your new group.

Now as you observed, maximum character length per SMS is just 160 characters. But, there comes a scenario where you may need to send more characters SMS.

For this, in the next few lines, we will let you know about How to send a long SMS message?

Put some number and put the body with the messaging column. Look this is our international format of the mobile number. Here’s a country code at the beginning of every number. All your related queries such as – How to send bulk SMS from android phone, free bulk SMS app, bulk SMS free, free bulk SMS sending software from PC to mobile, how to send bulk SMS from way2sms, how to send bulk SMS from Gmail, send free bulk without registration and bulk SMS price etc.

Also, if having any other question related to How To Send Bulk SMS (Free) From Mobile, PC, Excel, Laptop, WhatsApp, please make sure to comment below.

Facebook is planning to merge its three messaging services—WhatsApp, Facebook Messenger, and Instagram’s private messages—into a single messaging platform.

This back-end merger makes sense on paper and breaks down communication walls between the various Facebook-owned apps. Whatever the final product looks like, it will reportedly be end-to-end encrypted, and each of the apps will remain a separate service with its own icon in your phone’s app library. But the plan is to have all three messaging services using the same internal, cross-platform chat service. msnTarGet.com

That said, even with the promises of encryption and cross-platform support, WhatsApp had some serious privacy concerns in the past, and Facebook doesn’t exactly have a clean rap sheet when it comes to user privacy and data. SoAs.in

As a result, some users may not be happy about this messaging merger. (And some of us just don’t want to be tied to the ecosystems of big companies like Facebook.) So let’s look at alternatives to WhatsApp and Facebook Messenger that will let you make a clean escape from Facebook’s upcoming chat platform altogether. MobAsk.com

The Best WhatsApp Alternatives

The Best WhatsApp Alternatives
The Best WhatsApp Alternatives

Signal

The Best WhatsApp Alternatives
The Best WhatsApp Alternatives
Signal is a frequently recommended messaging app thanks to its high level of privacy, user security, and transparency. Signal supports text and group messages; media messages for pictures, audio, video, and documents; and even voice/video calls between users. An Android version can also work as an SMS app, replacing the stock Android or Samsung message apps. Fun2Ind.com

Signal has been endorsed by people like Edward Snowden and numerous other privacy/data security advocates (which are prominently featured on the app’s home page). All communication in the Signal app is end-to-end encrypted, and you can set up timers for messages to be auto-deleted. The dev team has also been working to reduce the amount of required sender information necessary for message delivery. If you’re interested, you can check out Signal’s entire encryption protocols here. Fun2Ind.com

Signal can be downloaded for iOS, Android, Windows, macOS, and Debian-Linux distros.

Viber

The Best WhatsApp Alternatives
The Best WhatsApp Alternatives
Viber’s chat features include group chat, instant voice/video messaging, and thousands of gifs and animated stickers. You can even install chat extensions to share YouTube videos, Spotify tracks, location info, and more. Viber also supports audio and video calls. (While calls made between Viber users are free, you can make paid international calls to any landline or mobile number using the Viber Out service.)

All messages on Viber are end-to-end encrypted and can be timed to self-delete. Viber also includes a Trusted Contacts feature that helps you verify the identity of the other chat participant by swapping secret keys. The app will update you if your contact changes their account details in the future.

Viber will display your availability, much like Facebook messenger does, but you can disable this if you ever need to hide your status. You can also disable read receipts, hide conversations, and lock messages with a PIN code. Fun2Ind.com

Viber is available on Android and iOS, which can be synced to your Windows or Mac desktop.

Telegram Messenger

The Best WhatsApp Alternatives
The Best WhatsApp Alternatives
Like many of the other apps listed here, Telegram provides end-to-end encryption for all communication and auto-deletion settings. It lets users send text and media messages, and supports group messages that can include up to a whopping 200,000 people in one chat thread.

Telegram’s cloud-based chat runs on globally-distributed servers, which Telegram claims can deliver messages faster than any other messaging app available. This also means you can sync messages across all your devices, and you get unlimited storage for your shared media. If you’re a developer, the Telegram API is entirely open-source and free to use. MobAsk.com

Telegram is available for Android, iOS, Windows Phone, Windows desktop, Linux (both 32 and 64-bit), macOS, and also offers a native web version of the app.

GroupMe

The Best WhatsApp Alternatives
The Best WhatsApp Alternatives
As the name implies, GroupMe is a group messaging service that provides cross-platform chat. It’s owned by Skype (which is owned by Microsoft), so it’s not open-source like the other services on this list. It’s also subject to the same data-collection practices as all Microsoft products, and it doesn’t feature encryption—nor many of the security features of the other apps we’ve included. However, what sets GroupMe apart is its focus on group chat, as well as a few other fun features. msnTarGet.com

GroupMe allows users to share videos, images, and documents, which can be viewed via a “gallery” mode that shows all the media shared within a group’s history. You can even send direct messages to specific users within a group. GroupMe also supports location sharing, as well as secondary features such as “liking” messages and custom app-based emoji sets. SoAs.in

There are Android, iOS, and Windows GroupMe apps, and a web-based chat client. However, there is also an SMS-based version of GroupMe that you can use without needing an app—or even a smartphone. Users text specific commands to the GroupMe phone number to create and carry on group chats. This text-based system even allows you to manage your group and change chat settings. It’s a handy feature, but keep in mind that this functionality is only available to those in the US.

Samsung has made fight tough for smartphones in the sub-Rs 15,000 segment with the launch of its all-new M-Series. Dubbed Samsung Galaxy M10 and Galaxy M20, the smartphones are priced at Rs 7,499 and Rs 10,999 respectively. Samsung Galaxy M-Series is the company’s India-first smartphone range. Both the smartphones run on Samsung’s mid-range Exynos processor.

Among the duo M20 boasts of more powerful specifications. Here we compare Galaxy M20 to the other smartphones priced in this range. These include Xiaomi Redmi Note 6 Pro, Nokia 6.1 Plus and Honor 10 Lite ...

Best smartphone under Rs 15,000: Samsung Galaxy M20 vs Xiaomi Redmi Note 6 Pro vs Nokia 6.1 Plus vs Honor 10 Lite

Best smartphone under Rs 15,000: Samsung Galaxy M20 vs Xiaomi Redmi Note 6 Pro vs Nokia 6.1 Plus vs Honor 10 Lite
Best smartphone under Rs 15,000: Samsung Galaxy M20 vs Xiaomi Redmi Note 6 Pro vs Nokia 6.1 Plus vs Honor 10 Lite

Price: Samsung Galaxy M20’s 4GB RAM/64GB storage variant is cheapest. msnTarGet.com

  • Samsung Galaxy M20: 3GB + 32GB (Rs 10,990), 4GB + 64GB (Rs 12,990)
  • Xiaomi Redmi Note 6 Pro: 4GB + 64GB (Rs 13,999), 6GB + 64GB (Rs 15,999)
  • Nokia 6.1 Plus: 4GB + 64GB (Rs 15,499)
  • Honor 10 Lite: 4GB + 64GB (Rs 13,999), 6GB + 64GB (Rs 17,999)

​Operating system: Both Nokia 6.1 Plus and Honor 10 Lite run on Google’s latest Android 9.0 Pie. Fun2Ind.com

  • Samsung Galaxy M20: Samsung Experience UI v9.5 based on Android 8.1 Oreo
  • Xiaomi Redmi Note 6 Pro: MIUI 10 based on Android 8.0 Oreo
  • Nokia 6.1 Plus: Stock Android Oreo (Android One)
  • Honor 10 Lite: EMUI 9.0 based on Android 9.0 Pie

​Display: At 6.3-inch screen, Samsung Galaxy M20 has the biggest display. MobAsk.com

  • Samsung Galaxy M20: 6.3-inch full HD+ (2340x1080 pixels) Display
  • Xiaomi Redmi Note 6 Pro: 6.2-inch full HD+ (2246x1080 pixels) Display.
  • Nokia 6.1 Plus: 5.8-inch FHD+ (1080x2246 pixels) Display.
  • Honor 10 Lite: 6.21-inch full HD+ (1080 x 2340 pixels) Display.

Processor: Samsung Galaxy M20 runs on newest Exynos processor. Soas.in

  • Samsung Galaxy M20: Octa-core Exynos 7904 processor
  • Xiaomi Redmi Note 6 Pro: Octa Core Qualcomm Snapdragon 636 processor.
  • Nokia 6.1 Plus: Qualcomm Snapdragon 636
  • Honor 10 Lite: Octa-core Kirin 710

RAM: Both Honor 10 Lite and Xiaomi Redmi Note 6 Pro also come in 6GB RAM option. Fun2Ind.com

  • Samsung Galaxy M20: 3GB and 4GB RAM options
  • Xiaomi Redmi Note 6 Pro: 4GB and 6GB RAM options
  • Nokia 6.1 Plus: Only 4GB RAM option
  • Honor 10 Lite: 4GB and 6GB RAM options

Storage: Samsung Galaxy M20 comes in two storage options. msnTarGet.com

  • Samsung Galaxy M20: 32GB and 64GB storage options.
  • Xiaomi Redmi Note 6 Pro: only 64GB storage option.
  • Nokia 6.1 Plus: only 64GB storage
  • Honor 10 Lite: only 64GB internal storage

Rear camera: Nokia 6.1 Plus leads in megapixels with 16MP rear camera. Soas.in

  • Samsung Galaxy M20: 15MP (f/1.9 aperture) + 5MP (Ultra-wide sensor)
  • Xiaomi Redmi Note 6 Pro: 12MP (f/1.9 aperture) + 5MP (f/2.2 aperture)
  • Nokia 6.1 Plus: 16MP (f/2.0 aperture) + 5MP (f/2.4 aperture)
  • Honor 10 Lite: 13MP (f/1.8 aperture) + 2MP (f/2.4 aperture)

Front camera: Only Xiaomi Redmi Note 6 Pro offers dual-front cameras. MobAsk.com

  • Samsung Galaxy M20: 13MP (f/1.9 aperture)
  • Xiaomi Redmi Note 6 Pro: 20MP (f/2.0 aperture) + 2MP (f/2.2 aperture) 
  • Nokia 6.1 Plus: 16MP (f/2.0 aperture)
  • Honor 10 Lite: 24MP (f/2.0 aperture)

Battery: Samsung Galaxy M20 boasts of maximum battery capacity of 5000mAh. msnTarGet.com

  • Samsung Galaxy M20: 5000mAh
  • Xiaomi Redmi Note 6 Pro: 4000mAh 
  • Nokia 6.1 Plus: 3060mAh
  • Honor 10 Lite: 3400mAh

Colour options: Xiaomi Redmi Note 6 Pro has maximum colour options: Black, Blue. Red and Rose Gold. Fun2Ind.com

  • Samsung Galaxy M20: Ocean Blue and Charcoal Black
  • Xiaomi Redmi Note 6 Pro: Black, Blue. Red, Rose Gold colour variants.
  • Nokia 6.1 Plus: Black, Blue and White
  • Honor 10 Lite: Sapphire Blue, Sky Blue, Midnight Black colour options

Reliance Jio has now introduced a dedicated JioRail app for JioPhone and JioPhone 2 feature phone users in India. The JioRail app is powered by IRCTC and it allows users to book and cancel tickets by using debit cards, credit cards and e-wallets, check PNR status, train information, timings, routes, seat availability and several other services. “In its continued effort towards building a Digitally empowered India, Jio is redefining convenience for its users yet again,” said the Mukesh Ambani-owned telco in a press statement. The JioRail app can be downloaded for free via Jio App Store. This move from Jio comes after the introduction of two long-validity plans for JioPhone users. As of now, it’s unknown whether the JioRail app is available for other KaiOS devices like the Nokia 8110 4G. msnTarGet.com

JioPhone Users Can Now Book Railway Tickets Through JioRail Mobile App

JioPhone Users Can Now Book Railway Tickets Through JioRail Mobile App
JioPhone Users Can Now Book Railway Tickets Through JioRail Mobile App

JioRail App for JioPhone Launched

As noted, Jio announced the JioRail app in collaboration with IRCTC and it allows users to make Tatkal booking for any last minute travel plans. Firstly, to book the tickets, users will have to sign in with their IRCTC account. If a user does not have an IRCTC account, the app allows them to create one without hassle. Furthermore, with JioRail app, users can check the PNR status for the tickets booked and it will soon provide IRCTC’s newly launched services like PNR status change alerts, locate train and food ordering in future. SoAs.in

Back at the launch of JioPhone 2, the company stated that it has over 25 million JioPhone users, which is an incredible number considering the original JioPhone was released back in June 2017. At the moment, we don’t have the exact JioPhone subscriber base, but it’s expected to be over 40 million. Jio’s aim was to achieve 100 million JioPhone users which could happen in the next couple of years. Fun2ind.com

Launching the JioRail app for JioPhone and JioPhone 2, the company stated “Train ticket booking has been made quite simple on the JioRail app. With this unique service, India’s consumers can avoid standing in long queues or pay agent fees to book tickets and instead enjoy an enhanced digital life experience.” MobAsk.com

As you might be aware of by now, the JioPhone and JioPhone 2 runs KaiOS which is the reason why developers are able to launch new applications. JioPhone already has support for popular apps such as WhatsApp, Facebook, YouTube, Google Maps and so on.

JioPhone Users Got Two Long-Validity Plans

Last week, Reliance Jio announced two long-validity plans for JioPhone users. The plans in question are Rs 594 and Rs 297 which offer benefits for 168 days and 84 days respectively. The Rs 594 plan offers unlimited calling, 0.5GB or 500MB of 4G data per day and 300 SMSes every month for a period of 168 days, while the Rs 297 plan ships with similar benefits for 84 days from the date of recharge. If you closely observe, Jio is providing the Rs 99 JioPhone plan for six months and three months respectively, and there’s nothing special with the newly launched long-validity plans for JioPhone users.

How To Use Paytm Postpaid Money To Wallet (In Hindi) – Paytm Postpaid Services has been initially launched on 4th January 2019. According to Paytm Terms and Conditions, only very few Paytm Users will be able to use this service or eligible for it.

Later, a credit limit of Rs. 60,000 can be paid next month. Using Paytm Postpaid money is extremely simple. But, first of all, you will have to confirm that either you’re eligible for this or not? Initially, you will have to set your passcode to start using Paytm Postpaid. msnTarGet.com

Step 1: Login to Paytm App.

Step 2: Go to Security and Settings under profile.

Step 3: Click on Set Passcode/ Change Passcode

Step 4: Set Your Passcode. soas.in

Next, it is super important for you to learn how does the Paytm Postpaid Works?


1. Check Paytm Postpaid: Go to Profile, Click onPaytm Postpaid.

2. Two Step Application Process: Provide Aadhar & PAN Details. Fun2Ind.com

3. Get your Spends Limit: Based on your Paytm Purchases.

4. Shop Anytime Anywhere: Choose Paytm Postpaid as Payment Mode.

5. View Purchases in Passbook: All your Paytm Postpaid orders will be visible in Passbook.

6. Pay by 15th Next Month: Repay using Wallet, Debit Cards & Netbanking.

How To Use Paytm Postpaid Money To Wallet (In Hindi)

How To Use Paytm Postpaid Money To Wallet (In Hindi)
How To Use Paytm Postpaid Money To Wallet (In Hindi)
Paytm is indeed a Payment Gateway. And after learning about How To Use Paytm Postpaid Money To Wallet (In Hindi), you also need to take a look at – What is a payment gateway and how does it work?

A payment gateway is a software application that payment service providers use to process payments or online purchases. MobAsk.com

Originating on a merchants website. It acts as an interface between the merchant’s website and a payment processing bank known as an acquirer. msnTarGet.com

Generally, a gateway can be used for many types of payment methods but for the purpose of this guide on msnTarGet.com media, we will solely focus on online credit card payment.

The gateway encrypts sensitive credit card details to ensure that information is passed securely between the customer, the merchant and the acquiring bank. MobAsk.com

When a customer purchases a product or service on a website that is connected to a payment gateway, the gateway performs a variety of tasks to process the transaction. soas.in

Once the customer places their order on the merchant website they choose to check out or pay and are then redirected to a payment page to enter their credit card details.

If the merchant is fully compliant with the necessary security standards, the payment page can be generated on the merchant servers and the cart information collected and passed on to the payment application in a secure way. Fun2Ind.com

The payment page can also be generated by the payment gateway application itself. And information can be collected there. Either way, the card and transaction details are gathered and stored on the secure surface of the payment gateway.

From there, the payment gateway processes the transaction and sends all information to the issuing bank for approval via the acquirer and the relevant card scheme. msnTarGet.com

Once the payment has been confirmed by the card schemes, the payment gateway sends the approved transaction bank to the merchant’s website and then the merchant informs the customer that the purchase has been successfully completed.

Of course, the payment performs a lot of other tasks as well, but when it comes to credit card payments, these are the main steps to processing a transaction. Cable ease of this entire process only takes around three seconds. MobAsk.com

It took us about ten times the amount of time to explain it to you. Payment gateways add a whole lot of value throughout this process. Here are some of the key features.

A payment gateway is the most common way for a merchant to connect to the payment system. Only the largest merchants are able to connect to an acquiring bank directly. Gateway transaction fees are very small compare to the advantages they offer in helping a merchant connect to an acquirer, manage the business and control the risks associated with accepting online payments. Fun2Ind.com

A good payment gateway will provide the merchant with many customizable reporting options which help the merchant to manage their business. A good payment gateway will be able to get connected and able to process many different payment methods that may not yet be offered by the merchant. A merchant pay has its own highly secured PCI DSS level 1 compliant gateway.

You need to stay update today to all the changes in the payments environment to grow sales in the right manner. There are three new technologies everyone is talking about – EMV Chip Card, Apply Pay and Nearfield Communication (NFC).

EMV stands for Euro Card, Master Card and Visa and this is the gold standard for payment transaction processing. Coming to the US in 2015, EMV chip cards of a small microchip embedded improving security by making a harder to use cards fraudulently.

Instead of a cashier swiping a credit or debit card, the customer will either dip the card into an EVM slot or top the card on the sales terminal. In 2014, credit card fraud losses topped 10 billion US dollars. In typically the card issuer was held responsible. But on October 1st, 2015, everything changes. soas.in

The risk and liability are going to shift to the merchants if they are not set up to accept EMV transactions. Fraudulent Chip Transactions on non-EMV compliant terminals will put merchants business and reputations at risk. MobAsk.com

So, by embracing EMV Chip Card Technology, they will be protecting their business from this liability and their customers will feel more secure about doing business with them. To become compliant, the merchant will need to make hardware changes as most terminals used currently are not ready for EMV payments.

Apply Pay is Apple’s mobile wallet which combines the simplicity of mobile payments with the confidence of keeping your personal information secure. It allows consumers with certain iOS devices to store the credit card or debit card details securely in digital form.

And, then use these devices to make in-store in-app or e-commerce purchases effectively replacing plastic credit cards. Instead of physically taking your credit card out and handing it to a stranger in a store or restaurant, Apple Pay enables contactless payments by tapping a couple of times and hovering the phone to your designated register screen for one or two seconds. Fun2Ind.com

To accept Apple Pay in a store, a merchant needs an NFC capable device and thanks to an encryption system that creates a designated code for each user’s credit card. Merchants actually never get the customer credit card number. Just the encryption code necessary to complete the transaction. msnTarGet.com

Those safeguards along with apple fingerprint identification make apply face safer and more secure than traditional payment methods. Near Field Communication or NFC is a set of standards for smartphones mobile devices to establish radio communication with each other by touching them together or bringing them no more than a few inches apart.

Here’s how it works in a retail store example. The customer wants to pay with their mobile wallet stored in their smartphone. Tapping the phone makes it the initiator device that uses a current to create a radio frequency in turn.

That powers a passive target such as the retailer’s NFC enabled terminal that will accept payment. MobAsk.com

The smartphone in the terminal effectively talks to each other to exchange information securely about a transaction. This technology is widely embraced among millennials as it enables contactless payments from a mobile device.

That is significant because of the added convenience and security of payments. So, what does all this mean to the sales agent?

Where there are big changes there are always great opportunities. Most important thing is to start calling business owners and highlight the benefits of switching to EMV chip card. soas.in

Apple Pay and NFC ready terminals to prevent the shift of liability to them reduce counterfeit fraud, increase security, increase revenue through acceptance of international visitors cards and support the way customers want to pay. Better yet, a great way to start the dialogue with merchants about EMV and Apply Pay acceptance is a free terminal programme.

This will allow you to bring up the big talking points for 2015. If you don’t, someone else will. If having any questions regarding How To Use Paytm Postpaid Money To Wallet (In Hindi), do let us know in the comment box below.

Are you still confused about the new DTH regulations and channel selection process and their pricing or are you feeling lazy to call up the customer care of your TV service provide? This web application might be the answer to your quest of knowing how much more your channels are going to cost on the basis of channels you want to watch.

How to check price of new DTH pack using TRAI’s official web application

How to check price of new DTH pack using TRAI’s official web application
How to check price of new DTH pack using TRAI’s official web application
To make things easier for consumers, TRAI has introduced a new web application called Channel Selector. Users can use this application to customize the channels they want to watch and also check the MRP (Maximum Retail Price) for their package. However, in order to apply that package or channels to their respective DTH connection, users have to visit the service provider website or contact customer care. msnTarGet.com

January 31 being the last date to switch to the new DTH plans, here’s how you can customize channels based on your interest and check the monthly rental for your package using this application.

1. Visit ‘https://channel.trai.gov.in/index.html’ using your PC, smartphone or laptop. Fun2Ind.com

2. Now, click on ‘Get Started’ button from the bottom of the page. SoAs.in

3. Enter your name under the given field and click Continue Note: Providing name is optional. You can skip if you don't want to share your name. msnTarGet.com

4. In the next step, select your state and click Continue. MobAsk.com

5. Now, choose your prefered languages from the given options 

6. To make the things easier, select the genres of your interest such as Sports, Music, News, etc. SoAs.in

7. Then, it will ask to choose the channel type (SD/HD/both) and continue. Fun2Ind.com

8. After the above step, it will redirect to ‘Pay Channels’ page 

9. On this page, you can select all the paid channels you want to watch and also check the price of individual channel or bouquets. MobAsk.com

After selecting the channel, the total amount will be shown at the top-right corner of the page Click on ‘View selection’ button and to check the detailed information on your package. msnTarGet.com

For those unaware, Telecom Regulatory Authority of India’s (TRAI) has implemented new rules and regulations for the television and broadcast sector, consumers now have the ability to choose the channels they want to watch and they will have to pay for those paid channels only.

Maruti Suzuki and Hyundai launched their hatchbacks almost at the same time in the Indian markets. With a lot of upgrades and improvements, both cars seem to go all out in the battle for being the best hatchback in the market. However, there is one more to compete with the two and that is the Tata Tiago. msnTarGet.com

Since there are a lot of variants for each model, we would be considering the top line petrol variant for reference. In terms of engine size, the WagonR is evenly matched by Tiago as both have a 1.2-litre engine, though the Tiago has one cylinder less. Despite that, the Tiago makes the most power at 84 bhp, followed by the WagonR with 82 bhp, and Santro taking third place at 69 bhp. Fun2Ind.com

Maruti Suzuki Wagon RTata TiagoHyundai Santro
Engine1.2-litre K-Series1.2-litre Revotron1.1-litre
Power81.8 bhp84 bhp69 bhp
Torque113 Nm114 Nm99 Nm
Transmission5-speed manual/AMT5-speed manual/AMT5-speed manual/AMT
Cylinders434

Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
In terms of dimensions, WagonR is the longest and the tallest between the three. It is also the lightest, however, at 830 kg, while the Tiago is the heaviest at 930 kg. Regarding boot space, the Wagon R offers the least, with 180 litres, while Tiago is the most spacious with 242 litres. The fuel capacity of all three hatchbacks is identical at 35 litres. MobAsk.com

Maruti Suzuki Wagon RTata TiagoHyundai Santro
Length3655 mm3746 mm3610 mm
Width1620 mm1647 mm1645 mm
Height1675 mm1535 mm1560 mm
Wheelbase2435 mm2400 mm2400 mm
Boot Space180 L242 L235 L
Kerb Weight830 Kg930 Kg855 Kg
Fuel Tank Capacity353535
Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
The Hyundai Santro is considered one of the safest in the segment and is armed with features like ABS with EBD, Electronic Stability Program and central locking, among others. The Tata Tiago loses out on central locking while the WagonR follows suit with fewer features. soas.in

Maruti Suzuki Wagon RTata TiagoHyundai Santro
AirbagsYesYesYes
Passenger AirbagsYesYesYes
ABSYesYesYes
Electronic Brakeforce DistributionYesYesYes
Electronic Stability ProgramNoYesYes
Engine ImmobilizerNoYesYes
Central LockingNoNoYes
Child Safety LockNoYesYes
Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
Maruti Suzuki WagonR vs Tata Tiago vs Hyundai Santro: Which hatchback fares best
Tata Tiago falls short in terms of amenities as well, though it does get a tilt adjustable steering. Wagon R and Santro on the other hand are sufficiently equipped, with air-conditioner, steering mounted audio controls and optional keyless entry. Fun2Ind.com

Maruti Suzuki Wagon RTata TiagoHyundai Santro
Auto air conditionerYesYesManual
HeaterYesYesNo
Steering AdjustmentTiltTiltNone
Steering Mounted Audio ControlsYesYesYes
Rear Parking CameraNoNoYes
Electrically Adjustable Rear-View MirrorNoNoYes
Keyless EntryYesNoYes
Rear AC ventsNoNoYes

MsnTarGet.com

Satish Kumar

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