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emi

  1. M

    Clarification on HDFC No-Cost EMI for Flight Booking

    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...
  2. R

    Bank froze savings account so Loan EMI missed

    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...
  3. F

    Millennia EMI on negative due

    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...
  4. C

    Reward Points on cancelled EMI

    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...
  5. CyberPsych

    Does monthly EMIs account to next years' annual spends?

    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...
  6. Mekala ManojKumar

    Pay Loan Emi using Creditcard possible?

    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.
  7. crednoob

    Apple nocost emi forclose

    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
  8. SMS91

    Axis Credit Card EMI pre closure

    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...
  9. N

    Wrong missed EMI mark on CIBIL by HDFC loans

    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...
  10. Syed Adil Abbas

    HDFC CC EMI

    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...
  11. A

    BOB Customer care not closing EMI on time? ALso started charging 3% on closure.

    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...
  12. A

    HDFC No Cost Emi issue

    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...
  13. Alex292929

    EMI Cancellation & AIS Reporting on Credit Card

    When I make an EMI transaction, the bank credits that amount back to my card. However, if I cancel the EMI and pay the full amount instantly, the credited amount shows up twice on my statement. In this situation, which amount will be considered for the AIS? Will both credits appear, or just one?
  14. G

    Emi breakdown for sbi credit card

    Do I have to pay interest after this sum of Rs. 3768?
  15. C

    Neu coins on EMI transaction Tata Neu Infinity

    Hi , I am planning to buy a laptop at Rs40000 from tata neu using hdfc neu infinity credit card. Laptop page is showing emi offer of Rs3000. If I make emi transaction, and then cancel the emi , 1- what would be the charges I would incur for emi cancellation ? 2- How should I cancel emi ...
  16. darjeeronak

    Inquiry on ICICI Credit Card EMI Cancellation and Related Charges

    I have a question. I am purchasing a product close to 1 Lac on ICICI CC Low Cost EMI, and there is a 14k discount (Discount = 5K + Product Instant Discount = 9K). However, it is at 15.99% p.a. with a 12-month tenure. If I call customer care and ask them to cancel my EMI within 15 days, will...
  17. SamTucker

    HDFC Millennia EMI Cancel Cashback

    Hello, Does HDFC millennia gives cashback on cancel of emi? Like if i purchase 20k worth product on flipkart using no cost emi. After emi conversion if i cancel emi now will i get any cashback? If yes then 1% or 5%?
  18. PayKaroAbhi

    Pixel Play Credit Card EMI Generated but Order Cancelled and Refunded

    Hi everyone, I assume that HDFC Bank has intentionally launched Pixel Crap Cards just to stay away from their responsibilities. There is no proper customer care available for this crap card and Payzapp support team is handling this thing. They don't reply to a customer like a human being...
  19. A

    No cost emi trick

    Is No cost emi trick works on Indusland Credit cards? Kindly reply
  20. maynigam

    EMI overdue because bank did not register my ECS mandate!

    My car loan EMI with Bank Of Baroda was due on 10th Oct, the ECS mandate was registered (IndusInd bank) well in advance while signing the loan papers. Received a message on 13th Oct that EMI is overdue. Shocked to see that it was not deducted from IndusInd account. On calling the branch employee...
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