no cost emi

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...

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

After reading a post here related to discount of interest amount I had ordered a phone recently in BBD as I was getting option of No COST EMI. However when I went to pre - closing option in mycards ->linked EMI I saw that it’s charging me full amount (i.e. total amount of phone) + some interest...

Hi recently i visited reliance digital and croma to buy s24 ultra 256 gb. there is brand offer with hdfc credit card 24 month no cost emi. they offer final price is 101994 so i swiped my card with 24 month no cost emi but instead of loan amount ( full amount - interest discount )= 87648 they...

Hi Guys I got a fascinating case today that I would like to share and get any feedback if possible. I ordered a Green Soul Gaming Chair for 13,497.06 (excluding 600 Amazon Pay Balance Cashback - Very Important to Note) on a 9-month No Cost EMI. Then after 14-15 hours, the same chair was...

Friends I’m planning to buy Samsung Neo Qled QN90c for my parents bedroom. I see that Amazon is offering me 5k discount coupon. I checked the no cost emi and I see that icici apay has no cost emi for 18 months. So I read somewhere that we can call icici and cancel the emi before the emi is...

Hi everyone, need urgent help !!! I purchased a product from Flipkart worth ₹76,161 on 07th Aug on BOB card 12 months no cost EMI. So the actual price came to ₹66,096. After 2 days, emi got converted with 235₹ processing fee. I promptly sent email on 10th Aug to bob card as usual for emi...

Please find attached herewith the no cost HDFC credit card emi offer with instant discount. It shows that the loan amount is 43409 but i have to pay 44499 ( 14833 X 3 ) . If i cancel the no cost EMI after purchase, can i settle the amoint of 43409 and save the interest amoiunt of 1090. How to...

what will be the invoice value if I purchase something using no cost emi? e.g. Product value: 150000 instant discount : 10000 interest discount (suppose): 15000 what will be the invoice amount ? (150k or 125k or any other value)

Hi. I know that on HDFC, ICICI and some other credit cards you can cancel the no cost EMI and save on interest payments without paying foreclosure charges. SBI charges 3% foreclosure charges if you close the EMI later. However, I read in another thread here that you can cancel the EMI by paying...

I have Amazon ICICI card I made a purchase for phone on Non cost EMI I cancelled EMI after phone was delivered Today statement was generated, I got no cashback Customer care said even after cancelling EMI, I won't get cashback Is this called EMI post facto? Does it happens with all the cards...

How does this work? It is for the ICICI credit card. I have never bought anything on EMI but in this case, it is showing 0% interest and so, I got interested. Without EMI it costs 52905 and with EMI it is 50523. I can buy it on full swipe but that 0% interest and instant discount make me...

Planning to buy a item worth 50k offline from a dealer shop. Can I cancel the no cost emi after making the payment? Also, which bank CC is best for this process?

I had a no cost emi for 1.18 lks for 9 months , i was told only processing fees of 199 + gst will be deducted now i am see gst every month on the interest amount !! Any way to get the 1261 back from the bank ? Attach the total calculation excludung the processing fees !!

I am trying to get a new product (Samsung Tab S9 ultra) from Tata Neu at Rs.98,099. HDFC has a Rs.12,000 instant discount on top of it for No-Cost EMI option. For the highest tenure of 18 months, I should get a further discount of Rs.9427 for interest charged (image below): t But when I went...

I made a purchase with a No Cost EMI option at an offline store, but during the transaction, they charged me the full amount without any No Cost EMI discount. A few days later, I noticed in my bank statement that initially the whole amount was debited and then credited back. Subsequently, the...

Recently I purchased smartphone from Amazon as no cost emi of 9 months where product price was 18999 got instant discount of 2750 and on 9 months emi they given me cash back of 996 out of rs 1034 which will bank charge. Now at last from my credit card the amount reserved is 15292. And processing...

If you are a credit card user, there is a high probability that you have made purchases using the EMI (Equated Monthly Installment) option. There are a few ways to avail of EMI options: [Article Link: https://www.technofino.in/no-cost-emi-explained-is-no-cost-emi-actually-free/] Purchase...