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Delayed Payment on HDFC Infinia. Is there any chance of reversal?

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viralsanghavi32

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"I using infinia card since last 3 years, I have been regular in payment since last 3 years but as i was travelling abroad i have paid my due on 17.05.2022 instead of due date 12.05.2022. ( though i have partly paid 614000 on 26.04.22) i have been charged 15949.13 finance charges and 2870.84 gst on it.
It was harsh on me please help and reverse charges mentioned above"

I have mailed this to customerservices.cards@hdfcbank.com & bohdfcahm@hdfcbank.com but in reply they denied any solution @TechnoFino , Plz help
 
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Souvik
viralsanghavi32 said:
"I using infinia card since last 3 years, I have been regular in payment since last 3 years but as i was travelling abroad i have paid my due on 17.05.2022 instead of due date 12.05.2022. ( though i have partly paid 614000 on 26.04.22) i have been charged 15949.13 finance charges and 2870.84 gst on it.
It was harsh on me please help and reverse charges mentioned above"

I have mailed this to customerservices.cards@hdfcbank.com & bohdfcahm@hdfcbank.com but in reply they denied any solution @TechnoFino , Plz help
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Sorry to see that, but the first time I had a default (around 6 years back i recall, my amount was small), I called up customer care and told them as this is my first time so lets make this an exception...
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Is that 61400 or really 614000?

I've never heard of these late payment charges being reversed but it is possible that you can negotiate it down showing your old history.
 
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viralsanghavi32 said:
"I using infinia card since last 3 years, I have been regular in payment since last 3 years but as i was travelling abroad i have paid my due on 17.05.2022 instead of due date 12.05.2022. ( though i have partly paid 614000 on 26.04.22) i have been charged 15949.13 finance charges and 2870.84 gst on it.
It was harsh on me please help and reverse charges mentioned above"

I have mailed this to customerservices.cards@hdfcbank.com & bohdfcahm@hdfcbank.com but in reply they denied any solution @TechnoFino , Plz help
Click to expand...
Sorry to see that, but the first time I had a default (around 6 years back i recall, my amount was small), I called up customer care and told them as this is my first time so lets make this an exception and have the late fees waived off, and in fact it was waived off subsequently. I think my RM told me to put it this way to Customer care. So its at the bank's discretion definitely to waive off these charges.

Since that time I have auto debits on my savings account to pay my credit cards on time.
 
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Solution
Souvik said:
Sorry to see that, but the first time I had a default (around 6 years back i recall, my amount was small), I called up customer care and told them as this is my first time so lets make this an exception and have the late fees waived off, and in fact it was waived off subsequently. I think my RM told me to put it this way to Customer care. So its at the bank's discretion definitely to waive off these charges.

Since that time I have auto debits on my savings account to pay my credit cards on time.
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Single auto-pay account for all cc??
 
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HyperBeast said:
Single auto-pay account for all cc??
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No same bank's savings account for same bank's credit card payment. I don't think hdfc would allow axis to have a debit from their savings account.

So for platform independent payments cred is the best option, but never used it. So I normally open a savings account to backup my credit card auto debits, and have less credit cards too.
 
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Souvik said:
No same bank's savings account for same bank's credit card payment. I don't think hdfc would allow axis to have a debit from their savings account.

So for platform independent payments cred is the best option, but never used it. So I normally open a savings account to backup my credit card auto debits, and have less credit cards too.
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Having saving account for every cc is just too complicated 😢
 
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viralsanghavi32 said:
"I using infinia card since last 3 years, I have been regular in payment since last 3 years but as i was travelling abroad i have paid my due on 17.05.2022 instead of due date 12.05.2022. ( though i have partly paid 614000 on 26.04.22) i have been charged 15949.13 finance charges and 2870.84 gst on it.
It was harsh on me please help and reverse charges mentioned above"

I have mailed this to customerservices.cards@hdfcbank.com & bohdfcahm@hdfcbank.com but in reply they denied any solution @TechnoFino , Plz help
Click to expand...
Hope the amount u have paid earlier is above the minimum amount so that there is no impact in cibil score. There is a grace days of 3 days after the mentioned due date. Also u can check the interest is for the whole amount due or the remaining amount. Cause according to new rbi rules it should be only for the remaining amount
 
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most probability they will reverse
I have got is revered with IDFC and HSBC
IFDC I paid 3k less on a 152k bill, i was charged aprox 12k in next bill which was waived
HSBC i forgot to pay a 5k bill dont know how, they waived the charges off
however to get such a waiver you need to have at least a 2 year relationship with any bank
 
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dav33 said:
Hope the amount u have paid earlier is above the minimum amount so that there is no impact in cibil score. There is a grace days of 3 days after the mentioned due date. Also u can check the interest is for the whole amount due or the remaining amount. Cause according to new rbi rules it should be only for the remaining amount
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Yes I have paid 634000 out of 914000 bill so i have paid min amount
 
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oshan said:
most probability they will reverse
I have got is revered with IDFC and HSBC
IFDC I paid 3k less on a 152k bill, i was charged aprox 12k in next bill which was waived
HSBC i forgot to pay a 5k bill dont know how, they waived the charges off
however to get such a waiver you need to have at least a 2 year relationship with any bank
Click to expand...
Thanks a lot for sharing this useful info
 
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viralsanghavi32 said:
"I using infinia card since last 3 years, I have been regular in payment since last 3 years but as i was travelling abroad i have paid my due on 17.05.2022 instead of due date 12.05.2022. ( though i have partly paid 614000 on 26.04.22) i have been charged 15949.13 finance charges and 2870.84 gst on it.
It was harsh on me please help and reverse charges mentioned above"

I have mailed this to customerservices.cards@hdfcbank.com & bohdfcahm@hdfcbank.com but in reply they denied any solution @TechnoFino , Plz help
Click to expand...
tell them if they can't reverse charges for a 3 year loyal customer with zero default report... I'll be happy to close my card and move to other bank.
Unko dhamki do yaar... lage raho... kam banega.
 
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Souvik said:
No same bank's savings account for same bank's credit card payment. I don't think hdfc would allow axis to have a debit from their savings account.

So for platform independent payments cred is the best option, but never used it. So I normally open a savings account to backup my credit card auto debits, and have less credit cards too.
Click to expand...
I stand corrected, looks like ICICI allows you to pay for credit card bills of other banks via it's own platform, here is a screenshot from the mobile app for further reference. I have not tried it yet. Not an auto debit but a workaround.

 
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anirbanm said:
Yeah it's standard
Many banks allow to register CC billers
Some which allow are HDFC, ICICI, possibly Axis

Though I was unsuccessful in adding by BOB CC biller (there is some bug)
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Is it capable enough to fetch the bill and auto pay that on a fixed date ? Like what auto debit does ?
 
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