emi

I'm planning to buy Macbook M4 from tresor using INFINIA. EMI option shows 38625 smartbuy points while the smartbuy points cap is 15000. Will i get 38625/3 = 12875 every month on emi realisation ? How this works if anyone has any idea ? One time payment shows 15000 as smart buy benefit .

SBI premium services call me every hour to covert my payments into EMI, am I the only victim here? What's the solution?

Today i was trying to make credit card payment from SBI UNIPAY portal however other bank debit card option was not seen and it seems SBI has removed this option of payment from other bank debit card Has anyone else faced this concern?? If SBI UNIPAY has stopped accepting credit card payments...

I recently returned an item to Amazon that was purchased on EMI. The EMI conversion was processed two days ago, and the refund is on its way. Should I contact customer care to cancel the EMI, or will it be canceled automatically? The bank involved is ICICI. For future reference, I would...

I recently bought an appliance from Croma using a Kotak credit card on EMI. After receiving the product, I decided to cancel the EMI within 3 days. The bank asked me to clear the outstanding amount within 24 hours. However, the bill for the transaction hasn’t been generated yet. The next bill...

Hi, My friend wants to make a large purchase that cost my 95-100% of credit limit and also wants to convert it into emi. What will happen to my credit score? I never converted purchases to emi. So please

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.