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.

 

[VijayflyRaven]

6 days back (pass) and now few hours back (failed).

When did you made the payment?

 

[4uziaul]

6 days back (pass) and now few hours back (failed).

I am asking about the transaction done via Visa card.

 

[VijayflyRaven]

I am asking about the transaction done via Visa card.

Visa + Paytm transaction did not post rewards once 2 weeks back.

 

[4uziaul]

Visa + Paytm transaction did not post rewards once 2 weeks back.

Did you use Select / Exclusive Debit card or the virtual Visa card?

 

[VijayflyRaven]

Did you use Select / Exclusive Debit card or the virtual Visa card?

Select signature. I am yet to try the gold virtual and platinum.

I have stopped using all these cards for now as I have a chargeback for a failed big basket transaction and want to stop using IndusInd until they credit it back. First time I am doing a chargeback (dispute) with this bank and hope it is smooth. From day 1 IndusInd has been trouble for me. In a month or so from opening this account, everything bad has happened. :-(

 

[4uziaul]

It's almost 4 weeks now and still under debit freeze 😂

 

[chenrichy]

It's almost 4 weeks now and still under debit freeze 😂

Directly approach branch and inform them you won't go out until remove the debt freeze!!!

 

[4uziaul]

Directly approach branch and inform them you won't go out until remove the debt freeze!!!

Two days ago they resolved my address and now my name and wife's signature still left 😂

 

[chenrichy]

Two days ago they resolved my address and now my name and wife's signature still left 😂

OMG. For my instance they just verify in home address directly and release the debt freeze with 24hrs of account opening!!

 

[4uziaul]

OMG. For my instance they just verify in home address directly and release the debt freeze with 24hrs of account opening!!

I don't know how they got my address all wrong and it took them 3 weeks to fix it.

 

[Tejo]

what about rewards for both cards on single acc on same cust ID

there is no capping*
visa gold is virtual only card, all savings holders can opt for this.
another card based on ac variant or our preferences.

earning on visa gold and titanium card is difficult, dont you know?
0.5 rupee for every 400 inr spend*
For every, 80k you get 100 rupees.

for hdfc, millenia 400; remaining cards 750

 

[VijayflyRaven]

I don't know how they got my address all wrong and it took them 3 weeks to fix it.

OMG. For my instance they just verify in home address directly and release the debt freeze with 24hrs of account opening!!

I think it all depends on the branch. My branch is really bad and debit freeze happens often. But they lift it in 3 days. But another problem comes and we keep fighting.

Since they did not inform me of debit freeze, I paid big basket and that transaction failed. However, money is taken away from account. All these things happen only in this bank.

 

[chenrichy]

I think it all depends on the branch. My branch is really bad and debit freeze happens often. But they lift it in 3 days. But another problem comes and we keep fighting.

Since they did not inform me of debit freeze, I paid big basket and that transaction failed. However, money is taken away from account. All these things happen only in this bank.

Very Worst experience 🙁

 

[4uziaul]

I think it all depends on the branch. My branch is really bad and debit freeze happens often. But they lift it in 3 days. But another problem comes and we keep fighting.

Since they did not inform me of debit freeze, I paid big basket and that transaction failed. However, money is taken away from account. All these things happen only in this bank.

I opened my mother and father's account at the same time and their account was fully functional in 3 days. I am still stuck with debit freeze 😞

 

[VijayflyRaven]

I have lost 10k so far to this bank. I am hoping I can recover some of it before closing my relationship with them. I did not expect a bank to be like this. Even PSU banks are better in terms of process and procedures.

I take this as a blessing in disguise. If I had paid 1 lakh credit card bill using this bank debit card, imagine the pain I need to go through to recover it. I am switching to HDFC (adding extra account to pay beyond 75k).

I opened my mother and father's account at the same time and their account was fully functional in 3 days. I am still stuck with debit freeze 😞

 

[brightknight]

Directly approach branch and inform them you won't go out until remove the debt freeze!!!

whats this RML group ?

 

[4uziaul]

I have lost 10k so far to this bank. I am hoping I can recover some of it before closing my relationship with them. I did not expect a bank to be like this. Even PSU banks are better in terms of process and procedures.

I take this as a blessing in disguise. If I had paid 1 lakh credit card bill using this bank debit card, imagine the pain I need to go through to recover it. I am switching to HDFC (adding extra account to pay beyond 75k).

I am here only for the Select account once it's fully operational I will move to HDFC probably.

 

[4uziaul]

whats this RML group ?

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[VijayflyRaven]

I am here only for the Select account once it's fully operational I will move to HDFC probably.

I was under the same idea to use it when needed since it is zero balance account. Where to use it is the only question remaining.

Big basket 20% off is the only one I have left. The risk is around 2k and I am now going through the chargeback process for it. So will know how it goes. Similarly Fastag offer for 10% is another good one.

 

[Karthi52]

I was under the same idea to use it when needed since it is zero balance account. Where to use it is the only question remaining.

Big basket 20% off is the only one I have left. The risk is around 2k and I am now going through the chargeback process for it. So will know how it goes. Similarly Fastag offer for 10% is another good one.

fastag offer on parkplus is over now naaa? any other offer working?