You know you're deep in the CC community when you relate to all of these. Meme-style starter pack checklist:

Daily Habits:
• [ ] Check CRED score even though it hasn't changed in 3 days
• [ ] Have SmartBuy bookmarked AND in speed dial
• [ ] Can recite your CIBIL score faster than your phone number
• [ ] Know every lounge in your home airport (including the terrible ones)
• [ ] Have strong opinions about Axis vs HDFC premium cards
• [ ] Refresh bank app hoping pre-approved Infinia offer appeared overnight

Social Behaviors:
• [ ] Explained reward rate calculations to a stranger at checkout
• [ ] Judged someone paying cash at an airport lounge-accessible restaurant
• [ ] Felt physical pain watching someone use debit card on Amazon
• [ ] Started sentence with 'Actually if you use [card name]...' at party (nobody asked)
• [ ] Have friends WhatsApp you before making purchases for card recommendations
• [ ] Corrected someone's misinformation about annual fees at dinner

Physical Possessions:
• [ ] Wallet is 3 inches thick (12+ cards)
• [ ] Own at least 2 metal cards (bonus points if you collect them)
• [ ] Have dedicated drawer for expired/closed cards (can't throw away the memories)
• [ ] Screenshot folder labeled 'Card Offers' has 500+ images
• [ ] Excel sheets. SO MANY Excel sheets.
• [ ] CIBIL score screenshot as phone wallpaper (okay maybe not everyone...)

Vocabulary:
• [ ] Use LPA when discussing income unironically
• [ ] Know what LTF, AF, RoI, NRV, MCC, and SmartBuy mean
• [ ] Pronounce 'forex' in casual conversation
• [ ] Explain concepts using 'effective reward rate' to non-finance people (they glaze over)
• [ ] Have said 'but did you factor in the annual fee amortization?' at least once

Knowledge Flex:
• [ ] Know exact annual fee waiver conditions for 8+ cards
• [ ] Can calculate 10X rewards to rupee conversion mentally
• [ ] Remember specific MCC codes (5814 = fast food, 5411 = grocery)
• [ ] Know which cards have fuel surcharge waiver without googling
• [ ] Have opinions on HDFC vs Axis RM service quality
• [ ] Aware of bank merger impacts on card benefits (RBL situations etc)

App Behaviors:
• [ ] Have 7+ bank apps installed
• [ ] CRED is in your top 3 most used apps
• [ ] Email folder dedicated to card statements (organized by month)
• [ ] Bank notifications are NOT on silent (need those reward point updates)
• [ ] Have price tracking extensions for every online shopping site

Peak Behaviors (Advanced Level):
• [ ] Timed purchases to hit spend milestones before statement date
• [ ] Changed restaurant choice based on card offer availability
• [ ] Delayed vacation by a week to hit quarterly spend target
• [ ] Made split payments at checkout to optimize category spends
• [ ] Bought gift cards strategically to park money for future offers

Community Specific:
• [ ] Know CardNitty/CardInsider/PaisaBazaar review styles and biases
• [ ] In 4+ card-related Telegram/WhatsApp groups
• [ ] Have strong feelings about which influencers are credible
• [ ] Participated in Great Devaluation Debates (Magnus 25:1, HDFC reward rate cuts)
• [ ] Remember 'better times' (pre-2024 when rewards were generous)

The Ultimate Signs:
• [ ] Vacation planning starts with 'which card offers best rewards for flights/hotels'
• [ ] Feel genuine excitement receiving new card in mail
• [ ] Read 40-page card T&C documents for fun (find hidden benefits)
• [ ] Have credit card spend strategy for next 18 months mapped out
• [ ] Your Spotify wrapped equivalent would be 'Hours spent researching cards: 180'

How many boxes did you check? Scoring:
• 0-10: Casual user
• 11-20: Enthusiast
• 21-35: Optimizer (most of us)
• 36-45: Expert level
• 46+: Mod material / need intervention

I scored 38. I'm fine with this. (I'm not fine. Help.)