Debit Card EMI

[akshayhs]

debit card emi is shown as personal loan in cibil?

It showed as CL for me.

 

[akki7163]

It showed as CL for me.

View attachment 16507

Debit Card EMI will show consumer loan only.... it's not like credit card EMI

 

[Card_Crafter]

The offers on your account will start in a pattern.....

First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay

Then... You will see option of debit card emi

Then at last you will see option of pre-approved credit card


Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...



This is based on my observation....

My journey with HDFC so far (six months old 5k MAB)

First received pre approved Bike loan.
Then pre approved Credit card.
Then pre approved personal loan on Credit card
Then Personal loan
Then Debit card EMI
Then Flexi pay

Getting car loan offers as well but requires documentation so didn't check.

Flexi pay and Personal loan offers have disappeared now. Maybe they have revised the offers.

 

[Alex292929]

does taking a hdfc debit card emi for any purchase, improves the chances of getting a better credit card offer?

 

[Ananthu113]

it took me 2 years for getting dcemi offer

 

[lightwaves]

What’s special about DC EMI?

 

[Alex292929]

it took me 2 years for getting dcemi offer

Depends on the relation with the bank, I got it after few months.
But they keep changing the eligible amount.

 

[harsha1]

If we use Debit card emi, will it affect or help to increase cibil score?