cyberlocker
TF Buzz
For many years I had been paying CC bills manually along with appropriate payment methods and different platforms to get some rewards.
All these years nothing went wrong, since I was doing it manually.
For obvious reason, I have been using HDFC billpay's smartpay feature to pay cc bills since past 2 months.
The whole idea of HDFC only initiating bill payment just 4 days before due date always made me uncomfortable, and adding to that they only initiate it next day morning!!
For that reason I always kept a close eye on this.
1st month it was all good. 2nd month I almost escaped a disaster.
3 CC bill was scheduled to initiate and all 3 of them initiated and amount got debited.
But out of 3, 1 card (sbi) didn't recieve the payment and 2 cards received the payment same day.
This whole thing of bank's working day and non-working days in-between the due date and bill initiation date makes things more worse for auto payments.
Now, I waited 2 day for the payment to appear on the card, that makes only 2 days left to due date.
Customer support are pretty useless in this matter and slow.
Since, the amount was already debited and I was short of the fund to initiate the payment again. And I was expecting the fund to appear in the card's account and thought it's delayed due to non-working days in between.
On the 3rd day, I receive SMS from HDFC that payment has failed and I should pay the bill manually and the amount will be refunded in 4-5 working days.
WOW!! Just 1 day before the due date they inform about the failed payment, and imagine if I had just relied on this auto pay feature and wasn't paying any attention.
I quickly arranged for the fund same day and made the payment.
There is always risk on these systems and the fact that HDFC doesn't let your choose your own date to initiate auto payment is just disaster to happen one day!!
They should allow customers to choose custom day range between statement generation date and due date to choose from, instead of their 4 days before due date, which is too risky!!
Anyone who is using this feature, BEWARE!! always monitor your payment status on this platform.
TBH, now I think sbi VDC is far better--> peace of mind!
All these years nothing went wrong, since I was doing it manually.
For obvious reason, I have been using HDFC billpay's smartpay feature to pay cc bills since past 2 months.
The whole idea of HDFC only initiating bill payment just 4 days before due date always made me uncomfortable, and adding to that they only initiate it next day morning!!
For that reason I always kept a close eye on this.
1st month it was all good. 2nd month I almost escaped a disaster.
3 CC bill was scheduled to initiate and all 3 of them initiated and amount got debited.
But out of 3, 1 card (sbi) didn't recieve the payment and 2 cards received the payment same day.
This whole thing of bank's working day and non-working days in-between the due date and bill initiation date makes things more worse for auto payments.
Now, I waited 2 day for the payment to appear on the card, that makes only 2 days left to due date.
Customer support are pretty useless in this matter and slow.
Since, the amount was already debited and I was short of the fund to initiate the payment again. And I was expecting the fund to appear in the card's account and thought it's delayed due to non-working days in between.
On the 3rd day, I receive SMS from HDFC that payment has failed and I should pay the bill manually and the amount will be refunded in 4-5 working days.
WOW!! Just 1 day before the due date they inform about the failed payment, and imagine if I had just relied on this auto pay feature and wasn't paying any attention.
I quickly arranged for the fund same day and made the payment.
There is always risk on these systems and the fact that HDFC doesn't let your choose your own date to initiate auto payment is just disaster to happen one day!!
They should allow customers to choose custom day range between statement generation date and due date to choose from, instead of their 4 days before due date, which is too risky!!
Anyone who is using this feature, BEWARE!! always monitor your payment status on this platform.
TBH, now I think sbi VDC is far better--> peace of mind!
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