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There is a huge number of small businesses who still rely on cheques. Unless they have overdraft account with good value, it is very tough to do money transfer without impacting cash flow.

Yes, agreed but only if customer has amended the T&C to add this clause and got it signed by the other party.

I think only you cannot overpay but refunds from merchants should work. This is how credit card system is designed. I believe you can withdraw the excess to your bank account or spend further in subsequent months.

In the early days, even when opening a bank account, cheque book will be issued only accounts of good standing after some time or with higher balance. This is by PSU banks to prevent misuse of cheque. Essentially cheque is like a letter of credit used by businesses. There has been lot of cheque...

I always take Tata cliq and bookmyshow

Today message received that 15K bonus points are credited.

Possibly 4% as there is mark up of almost 2% during buying. Banks make their money by arbitrage.

I think it will be the buy rate of bank that day which will mostly be 2% less than market rate. You generally need to give a cash out request, either at branch or phone banking.

Nothing to worry, I paid by DCB it got settled in few days, statement generated, got 1x points and then loading happened since hdfc bank branch ppl don't know process. 😑 A normal day in HDFC universe. There are 2 systems - Non personalized card - Branch already gets them in bulk. So once you...

Axis bank can now take ITD help by breaking the card point looters scheme of order and cancel to buttress their notice, isn't it? 😉

Actually it will start now given the outage recently. People will start asking for accountability and fun may even begin in next Parli session.

02261606160 Call this number. Connect to Forex Prepaid. Most branch don't know the process.

The only thing you can do is non monetary thing. Getting him psychological help to overcome his addiction. I don't want to write but ppl under severe stress can act irrational. Please watch for those signs and act now if you see them.

I myself created it. I have the FD advice that clearly shows Auto renew is set to No. Even in Jan, I got mailers to auto renew. I didn't want to renew. After HDFC bank episode, I casually checked ICICI and it is now set to auto renew. I am doing FD for 20 years but till now this has not...

So just checked my ICICI bank FD, and guess what, FD maturity instruction is updated to Auto renew. It's worse in ICICI that there is no message or mail that maturity instructions are changed. I have changed it back. It looks like the rot runs deep.

Just primary registration is enough. All the Add On cards spend that is eligible for GVP cashback is automatically calculated at statement generation.

Finally the loading happened after threats to cancel all relationships with them if not done today. USD Vs INR become 85.54 today compared to the marked up rate I paid on 9th March of 88.73. HDFC made a killing in my forex card 😊

I received my renewal card ICICI Sapphiro LTF - 1 month in advance. The letter tells to set PIN in iMobile app and start using it. The renewal card is having same number as original card. In the past when I make first transaction in the renewal card, old card gets disabled. No PIN setting...

My statement came today. Forex 1x is shown separately in the statement as 3700 points. Card is not yet loaded though branch confirmed that on Friday night, they updated the status as delivered. Card is active in the prepaid card login. Hope it gets and I get the remaining 4x before this month end.

When close to maturity, banks do call and ask for roll over. This is FY end, so to meet their target, I think someone simply changed it to reinvest without thinking it is somebody else money.