emi

My cousin bought a mobile using my Idfc card on emi. In my 4 years of credit history i never opted for a emi, so i have a strange experience & my credit score is at stake!. There’s a ₹0.02 paise difference b/w total outstanding & sum of all instalments. So you guys can simply say: just pay...

someone please clear my doubt. my father has sbi simplyclick cc with limit of 34000. I want to buy two electronic appliances from amazon during this republic day sale. one is worth 24000 and the other is worth 12000. I know that if a create an emi for the first product, 24000 will be first...

Hi, I have 1 personal loan going on in IDFC Bank, 8th of every month is the due date, EMI is automatically deducted from IDFC Savings account. I usually transfer the funds in that account before the due date, somehow I forgot to transfer the funds today and auto debit got failed. I noticed this...

I recently discovered something interesting about the RBL Bajaj Finserv Super Card and wanted to check if anyone here has experience with it. My dad has accumulated over 50,000 reward points on his RBL Super Card, which are worth approximately ₹10,000. I came across information that these...

Hello TF Community, This thread has been created to consolidate information regarding HDFC SmartBuy EMI spends on DCB (or even Infinia) cards. When making high-value purchases such as iPhones, booking flights, or holidays—transactions that typically exceed the monthly reward cap—we often opt...

Friends, I want to understand how does the 'force-closure' or pre-payment of a personal loan work in real life. Suppose the situation is as follows: 1. I took a personal loan for the amount of 1,00,000 (1 Lakh) for 12 months. 2. The every month EMI of this PL is near about Rs. 9,000. 3. I have...

Called up HDFC infinia service to cancel my no cost emi, as I've done many times before. Got a guy who was condescending and manipulative. I told him I wanted to close the EMI, and he said he can't do it - I have to do it using HDFC mycards. Also said there would be 3% pre-closure +...

I recently called the bank ,and asked hdfc that If I cancel the no cost emi prior to conversion,will I incur any charges unlike ICICI which don't charge anything for first 15 days of cancellation. I got to know that even I cancel anytime I will incur 3.54% foreclosure charges,but for cards other...

I’m planning to book a flight ticket from Bangalore to Surat using HDFC No-Cost EMI, which offers a ₹1000 instant discount. I want to know: Are there any additional charges like processing fees, interest, or GST included with No-Cost EMI? Can I cancel the EMI within 1-2 days if needed? What...

I have a savings account with Central Bank of India. I have set up E-Mandate to auto-debit towards my Kotak Personal Loan for Dec 2 2024. On Dec 1 2024, my savings account was frozen citing KYC renewal which made my Personal Loan auto-debit miss. I contacted Central Bank, finished my video KYC...

I overpaid my CC bill by around 70K 2 months ago and since I didn't know how to get it reversed to my account I left it there. I made a purchase on it with EMI recently thinking it will work like normal where the bank deducts the total amount first and reverses it then converts it to emi but...

I made a purchase on Amazon yesterday for 15.3k yesterday on normal EMI using my Millennia credit card. I tried calling the customer care to cancel the EMI today as well as yesterday. But the customer care had no option to cancel the EMI and only option was to pre-close it. They're charging me...

My SBI BPCL card's annual cycle ends on December. My card has annual spends of 60k till October. Then it has one 75k and one 33k order on Big billion day sale (both 6 months EMI). Now I will have 4 EMIs from Jan 2025 to April 2025. Will these be accounted as annual spends for next year or 75K...

Hi Mates, I'm trying to pay Navi Loan Emi(NBFC) using Creditcard, mean through the Amazon pay wallet.but I'm unable to pay through the giftcard balance. Any other way to pay emi using credit card. Thanks Advance.

I have to buy an iPhone 16 from official website I get it @84900 so I have a option to take 12 months nocost emi so should I opt for it and also if I opt for it will I be able to close the emi which will get me more discount as the principal amount is less if I close it

Hello friends, I made a purchase of ₹12,500 using an Axis Credit Card on EMI for 6 months. I purchased the product on 17th November, and as of today, it shows as converted to EMI. My billing date is the 13th of every month. Now, I would like to pre-close this loan by the end of this month. How...

Hey guys, This is a very late observation from my side as I never seriously checked the CIBIL report until I joined this forum. And I need help on the below. I have taken a Home Loan from HDFC LTD sometime during August, 2020. Well, the application process started in late August and was...

i have doubt can we convert any transaction of 2.5K made by HDFC CC to emi are should be there any offer to convert , bcz once HDFC customer care told me that emi offer should be their in your card then only you can convert they told, and i should call them ask for emi offer then only i can...

lately, BOB has started charging 3% on principal while closing EMI. it was always written but they never used o charge till last couple of months. Adding to pain, CUstomer care doesnt close it till weeks, and bank keep charging interest on daily basis. Anyone with same experience or with any...

hey folks, I bought a TV from reliance digital with a 6 months no cost emi, but the issue was in my haste, I opened mycards and requested a loan foreclosure request instead of canceling emi. I hasn't received a emi is converted message and didn't see any option in mycards for the same, only...