Today is last day. Any problem if paid tomorrow?

[telescope]

Today is last day for yes bank cc payment. Any problem if paid tomorrow? it is yesbank cc. I already paid more than MAD directly. SBI unipay is not working, so I am thinking if I can take the facility of grace period. Tomorrow morning if unipay doesn't work, then I'll pay directly.

Is it too much of a risk ruining CIBIL? and risk of interest is there? or nothing will happen?

any alternate of unipay?

 

[Anupama_Jha]

Today is last day for yes bank cc payment. Any problem if paid tomorrow? it is yesbank cc. I already paid more than MAD directly. SBI unipay is not working, so I am thinking if I can take the facility of grace period. Tomorrow morning if unipay doesn't work, then I'll pay directly.

Is it too much of a risk ruining CIBIL? and risk of interest is there? or nothing will happen?

any alternate of unipay?

Choose either 2% bill payment rewards or 1000-2000 penalty for delay payments. Choice is urs.

Don't worry about cibil 🐸

 

[RishiKiDev]

Guys, onething you have to think about it logically....
"If any app/ loophole / trick is getting massive attenction and very widely publicised in the opne forums like these, they are bound to get devlaued soon"
as simple as that...
if someone is doing very extensive advertisement about these , they are actually doing more harm than good..
People tend to forget about this, ride high on the emotions side...

If there is any trick that is going to benefit really well , then those need to be discussed privately in a small group..
Just think about it...

Some people love to see the world burn. Sadism gives them the high they don't get in their miserable life. 😂
They have false sense of belief that they are doing the right thing just like a person in 1940s Germany thought.

 

[Aniket]

No impact on cibil as MAD is paid

You will have to pay interest, because grace period only works for cibil reporting and not for interest charges

Therefore late payment fees.

 

[Anupama_Jha]

Guys, one thing you have to think about it logically....

"If any app/ loophole / trick is getting massive attenction and very widely publicised in the opne forums like these, they are bound to get devlaued soon"

as simple as that...
if someone is doing very extensive advertisement about these , they are actually doing more harm than good..
People tend to forget about this, ride high on the emotions side...

If there is any trick that is going to benefit really well , then those need to be discussed privately in a small group..
Just think about it...

Agree 💯 I was happily rotating from one rupay cc to another.

But due to some Motherf**kers doing halla everywhere, from technofino to reddit to Twitter or x.com whatever, SBI ultimately removed UPI option from UNIPAY and now I am losing 10-15k dihadi every month.

 

[Aniket]

Some people love to see the world burn. Sadism gives them the high they don't get in their miserable life. 😂
They have false sense of belief that they are doing the right thing just like a person in 1940s Germany thought.

Mein jo soch raha hoon wahi sab soch rahe hain kya?

IYKYK 🙂

 

[Anupama_Jha]

Agree 💯 I was happily rotating from one rupay cc to another.

But due to some Motherf**kers doing halla everywhere, from technofino to reddit to Twitter or x.com whatever, SBI ultimately removed UPI option from UNIPAY and now I am losing 10-15k dihadi every month.

Fact is I knew it from a random FB post where a person asked query that he paid his sbi card bill through upi but isn't credited yet. Surprisingly I asked him why he paid through upi, when you gets .25% to 2% RPs via paying through DC. He only hinted me "Bata diya to jaldi band ho jayega"

Then I tried and got to know.

 

[varun__goel_]

Agree 💯 I was happily rotating from one rupay cc to another.

But due to some Motherf**kers doing halla everywhere, from technofino to reddit to Twitter or x.com whatever, SBI ultimately removed UPI option from UNIPAY and now I am losing 10-15k dihadi every month.

TF pe unipay ki post se phle mein usse discover kar chuka tha(without any external source)

Aur jis din TF pe aaya, mne jo sir pita apna🤣

Uske baad pta lg gya tha uska future🤣

 

[SSV]

MAD already paid. but fearing interest and other charges if paid tomorrow. especially cibil fear also there.

No impact on cibil as MAD is paid

You will have to pay interest, because grace period only works for cibil reporting and not for interest charges

Choose either 2% bill payment rewards or 1000-2000 penalty for delay payments. Choice is urs.

Don't worry about cibil 🐸

Therefore late payment fees.

@telescope ,

More importantly... you will be charged interest from the date of purchase rather than payment due date.. This is very key here... It is valid for most of the banks.. Please go and read complete T&C's of the issuer ..

and on top of it .. late payment fee... ( corrected as per member's feedback , I am not sure of this delyead payment T&Cs)

Highly advised to pay the complete amount on or before the due date ...

 

[Aniket]

OMG. cannot risk it then.

Bro itna kyu sochna pay kar dijye directly...agli baar se weekdays pe payment karna aur kuch din pehle payment karke cool rehna, naa ki due date pe ye sab faltu ka jhamela

 

[telescope]

Mein jo soch raha hoon wahi sab soch rahe hain kya?

IYKYK 🙂

y e s

 

[Aniket]

@telescope ,

More importantly... you will be charged interest from the date of purchase rather than payment due date.. This is very key here... It is valid for most of the banks.. Please go and read complete T&C's of the issuer ..

and on top of it .. late payment fee...

Highly advised to pay the complet amount before the due date ...

No, late payment fees can't be charged.

 

[telescope]

@telescope ,

More importantly... you will be charged interest from the date of purchase rather than payment due date.. This is very key here... It is valid for most of the banks.. Please go and read complete T&C's of the issuer ..

and on top of it .. late payment fee...

Highly advised to pay the complete amount before the due date ...

Thanks for this heads up. Paying directly right now by NEFT.

 

[varun__goel_]

@telescope ,

More importantly... you will be charged interest from the date of purchase rather than payment due date.. This is very key here... It is valid for most of the banks.. Pleaase go and read complete T&C's of the issuer ..

and on top of it ..o late payment fee...

Highly advised to pay the complet amount before the due date ...

No late payment fees is charged if MAD is paid by due date

Only interest and GST is charged

 

[Anupama_Jha]

No late payment fees is charged if MAD is paid by due date

Only interest and GST is charged

The question is that if it's less than 2% RPs for which he's waiting or more than it.

 

[Aniket]

Thanks for this heads up. Paying directly right now by NEFT.

Good descision 🙂

 

[SSV]

No, late payment fees can't be charged.

No late payment fees is charged if MAD is paid by due date

Only interest and GST is charged

okay got it ...
But it is always better to pay all the dues well before due date.. Instead of sitting here reading and discussing every rule... which rule applies when ? ..etc... just a waste of time ...

I actually dont know about MAD until I joined this forum.. as I always paid my bills before the bill generation ...

Thanks for letting me know anyway... even though this late payment fee would never apply to me..

 

[Aniket]

No late payment fees is charged if MAD is paid by due date

Only interest and GST is charged

GST toh byproduct hai, lagna hi lagna hai 🤣

 

[Aniket]

No late payment fees is charged if MAD is paid by due date

Only interest and GST is charged

It cannot be charged even if it's paid by grace period.

 

[telescope]

The question is that if it's less than 2% RPs for which he's waiting or more than it.

if int. is charged, even if it less than points, I'll not risk it.

NEFT initiated.

 

[Anupama_Jha]

if int. is charged, even if it less than points, I'll not risk it.

NEFT initiated.

Good job, young apprentice👏🏻