Query- HDFC EMI Pre-Closure

[22sumit]

So I ordered a phone from Amazon on EMI and got Rs 750 extra discount on same for using a 6 months emi service.
Since the EMI was done via merchant portal so I don't have option of cancelling it (as per cc) and only pre-closure is allowed.
I got additional nominal charges as below:

-Loan O/s: 15994.36
- 3% Pre-Closure Charges: Rs. 0

- Pro-rata Interest Rs. 42.65
- GST: 7.68
Total Loan amount to pay: Rs. 16044.69

The cc executive asked to pay this amount within 24-48 hrs after pre-closure.

As some of the members are already expert and have gone through this earlier, it would be really helpful if someone can address my doubts.
1. Will they be charging processing fees of Rs 199+gst on top of it later?
2. I already have an outstanding amt since my last bill was generated, so will paying Rs. 16044.69 will get adjusted towards the already generated bill amount or this emi. How will the system distinguish this?
3. Any other tips to avoid any extra charges.

 

[Deepak_Shetty]

But I received 5% cb

Earlier it used to give 5% even if you cancel EMI. Have you tried after recent devaluation? (Recently they have stopped giving cash back for Wallet load and EMI transactions.

 

[Rohith-2009]

Earlier it used to give 5% even if you cancel EMI. Have you tried after recent devaluation? (Recently they have stopped giving cash back for Wallet load and EMI transactions.

I got 1k points for Sep month. Now they're not giving 1% for gift card purchases on Smartbuy.