NCEMI closure Is hdfc ripping me off?

[yogobit]

So I bought a smartphone on 13 Dec for 9 months NCEMI

Now checked mycards & I see foreclosure charges as below

Total interest charged by hdfc over 9 months = 3506.56

Hence interest charged per month = 3506.56 / 9 = 389.617

So pro rate interest for 3 days = 389.617 / 30 = 12.987 × 3 = 38.961

Rest gst

How is it coming to 620.23 + 111.64 = 731.87 instead?

Please advise

 

[Harry1]

Ignore and cancel, nothing will be charged except 35.82 gst.

 

[yogobit]

Ignore and cancel, nothing will be charged except 35.82 gst.

Thanks for replying, a few follow up queries
Saw somewhere that cc executive told a cx that since they closed loan themselves from mycards hence they would've to pay additional pre closure charges
Had they closed it from customer care they wouldn't have to

Also can I total statement billed amount once statement is generated or do I need to pay within 24 - 48 hours of pre closure?

 

[Harry1]

Thanks for replying, a few follow up queries
Saw somewhere that cc executive told a cx that since they closed loan themselves from mycards hence they would've to pay additional pre closure charges
Had they closed it from customer care they wouldn't have to

Also can I total statement billed amount once statement is generated or do I need to pay within 24 - 48 hours of pre closure?

Query- HDFC EMI Pre-Closure

I paid that. Before that I called CC and they said if I would had cancelled the EMI by calling them on Customer Care then I didn't need to pay anything in 24 hours. It would have had adjusted in the upcoming bill only. Also they said I even didn't need to pay any processing fee as well. But...

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