Best Way to pay Credit Card Bill

[kushal]

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.

 

[Rahul Gupta]

Why did they block ?

High value transactions and rotations. I found a flow in their system sep last year and got insane amount of rp. Alot of people in Tf community knew about this flow. Btw that bug/system loophole is patched.

 

[sm9811911]

High value transactions and rotations. I found a flow in their system sep last year and got insane amount of rp. Alot of people in Tf community knew about this flow. Btw that bug/system loophole is patched.

Not patched yet. lol

 

[kushhh]

Not patched yet. lol

Which one ? Cancel and still get points one?

 

[Ganeshraja]

Mine also got Frozen last month. Have to threaten my RM with RBI Ombudman complaint to get it unfrozen after 20 days.

I wrote a request letter to unfreeze. Bank will then do physical verification and then they will unfreeze. BM says banks are just suspicious of big transactions because of elections

 

[xxScriptzxx]

Not patched yet. lol

Which one is this.. dm kar doge kya

 

[Ganeshraja]

I can't say becuase i am banned from idfc rewards portal.

Have you managed to get it unblocked ?

 

[Ganeshraja]

Use Cheq for Indus MC and IDFC, have got points for both. Although IDFC sometimes hold for big amounts from any merchant.
Only con is Rs 50k limit, if they suddenly change the MCC, it will be a huge loss.
Merchant name- cheq

when did you pay through idfc? Are you sure you got points ? 50k payment is too much to risk and check lol

 

[Rahul Gupta]

Have you managed to get it unblocked ?

I tried but they didn't budge a inch.

when did you pay through idfc? Are you sure you got points ? 50k payment is too much to risk and check lol

You will get points dont worry. I got points for two merchant names- cheq, CHEQ DIGITAL PRIVATE.

 

[VasukiVasuki is verified member.]

I wrote a request letter to unfreeze. Bank will then do physical verification and then they will unfreeze. BM says banks are just suspicious of big transactions because of elections

Dumbest reason one could think of

So 12*30 there is election so what block account everyday

This isn't cash but digital transaction & in election only after police intervention anyone can freeze

Prima facia this is this 20 rs algorithm problem

 

[VasukiVasuki is verified member.]

I tried but they didn't budge a inch.

You will get points dont worry. I got points for two merchant names- cheq, CHEQ DIGITAL PRIVATE.

IN indus MC ? This month
Or idfc

 

[Rahul Gupta]

IN indus MC ? This month
Or idfc

Yes induc MC only. I have no idea about idfc.

 

[Nishan11]

I made a payment on 2nd April for my SBI credit card through Paytm using bank of baroda UPI. Money debited, transaction was in process for more than 30 hours then failed. Paytm customer care & in app chat bot is stupid.

Twitter team saying wait 3-7 working days but will not provide RRN. Only shows refund initiated on 3rd April night.

They don't even tell RRN.

Lesson learned. Will pay all credit card bills through their respective official app/website portals.

 

[Rahul Gupta]

I made a payment on 2nd April for my SBI credit card through Paytm using bank of baroda UPI. Money debited, transaction was in process for more than 30 hours then failed. Paytm customer care & in app chat bot is stupid.

Twitter team saying wait 3-7 working days but will not provide RRN. Only shows refund initiated on 3rd April night.

They don't even tell RRN.

Lesson learned. Will pay all credit card bills through their respective official app/website portals.

Paytm recenly changed their cc billpay system for sbi. I think they swtiched from NEFT to bbps and you got caught up in between.

 

[VasukiVasuki is verified member.]

Paytm recenly changed their cc billpay system for sbi. I think they swtiched from NEFT to bbps and you got caught up in between.

I paid successfully 2 days ago

 

[Nishan11]

Paytm recenly changed their cc billpay system for sbi. I think they swtiched from NEFT to bbps and you got caught up in between.

I understand payment fails at times. But their customer care is invisible. Twitter team will never tell RRN. Just keep asking to wait. Using paytm from many years but first time experienced such unprofessionalism from them.

Can't raise dispute to bank of baroda as I don't have RRN.

 

[jimmypappachan]

MILLENIA DC will not fectch even 1% CC Bills via Payzapp😞

You know what's the MCC for PZELECTRICITY in payzapp, is it Utility ?

 

[VISHESH_BANSAL]

You know what's the MCC for PZELECTRICITY in payzapp, is it Utility ?

Yes , 4900

 

[Rahul Gupta]

I understand payment fails at times. But their customer care is invisible. Twitter team will never tell RRN. Just keep asking to wait. Using paytm from many years but first time experienced such unprofessionalism from them.

Can't raise dispute to bank of baroda as I don't have RRN.

They are behaving like this since the rbi ban. I think for now we should avoid paytm until they restabilize.

 

[its_karan]

Paytm customer care & in app chat bot is stupid.

Paytm focus is SoundBox and now ads on it(beta) as that is the cash-cow

and there is no Loan business RN(as new lenders are being negotiated with)

Rest all what they do
Like payment processing

they don't care

 

[Copycat]

Tried to pay IDFC CC bill using IDFC DC on SBI Unipay
Amount 1000
Money debited, payment not made to CC
SBI Unipay says transaction failed and transaction amount is Rs 10 (Ten only) (Amount deducted One thousand)
Despite logging in to Unipay, before paying, no transactions are shown for today or any other day. Today was the 2nd time I used it. Yesterday failed because IDFC OTP did not come
Any idea what happens next? Will the money be refunded automatically and correctly i.e. Rs 1000?
Thanks

EDIT: SBI UniPay seems to be one messed up system. I can't believe that even the amount is wrong!

Failed 1K transaction (non BBPS CC payment) via DC done on 28th March got reversed today
The only thing that I did was, I emailed support.bbps@sbi.co.in on 28th March. No reply received