Travel-focused fintech firm Scapia is in the line of fire. After enjoying word-of-mouth popularity, a new round of capital infusion, and glowing referrals from credit card communities over the last 2-3 months, the Binny Bansal-backed startup has been facing user outrage this week. 

Scapia’s key product—a lifetime-free (LTF), co-branded credit card issued in partnership with Federal Bank—is seeing drastic reductions in users’ credit limits, without any prior notification or warning. Credit card analysts reckon that customers who were using Scapia as a backup card and used it infrequently have been the worst hit.

Scapia users weren’t sent prior alerts via in-app notifications or emails/text messages in order “to avoid sudden reckless usage of the card,” added the person quoted above.