emi cancellation

Has anybody recently purchased anything on no-cost emi from hdfc bank credit card and cancelled the same ? Mine i had done 4 months back and there no processing charges as well as there no foreclosure charges also. Is this new ? or has been in effect recently ? learning from sbi credit card...

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...