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No Cost EMI - Cancellation - All Banks - Master Wiki

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Amit_1 said:
Jis din EMI conversion ho uske 3 days k andar mycards m jaa k emi close krni h, then email m jo b amount pay krne ko aata h usse pay krna h.

Try to monitor the emi conversion daily and cancel the emi conversion in next day to avoid delays imo.
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kuch pay nhi karne ka..bindas raho..daily 5 emi krta hu
 
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Megamind90 said:
HDFC Update as of 19th June 2025.

NCEMI Still works .

You take a NCEMI Online -> The EMI settles within 1-3 Days -> Login to Mycards and Click on Preclose the EMI -> an EMAIL will be recieved "Preclosure request related to your HDFC Bank Credit Card." -> The next day Pay the Amount mentioned in the Email , -> Say as per Below email i am supposed to pay 27363.08 by 28th April -> after doing that The amounts charged like Preclosure charges -> pro-rata interest -> Emi convertion charges will get reverted within 3 working days ( ie by 2nd May) .The GST paid for EMI processing fee wont be reverted. total loss 53.71 ruppes . (18% of 299/-)



Attaching Image for Reference . View attachment 101043
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Is this only for No cost EMI ?

I did normal emi with 16% interest, should I also follow same procedure or this is only for NCEMI?
 
Bhauka23 said:
Is this only for No cost EMI ?

I did normal emi with 16% interest, should I also follow same procedure or this is only for NCEMI?
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will they reverse the discount that i am getting using hdfc card?
Megamind90 said:
HDFC Update as of 19th June 2025.

NCEMI Still works .

You take a NCEMI Online -> The EMI settles within 1-3 Days -> Login to Mycards and Click on Preclose the EMI -> an EMAIL will be recieved "Preclosure request related to your HDFC Bank Credit Card." -> The next day Pay the Amount mentioned in the Email , -> Say as per Below email i am supposed to pay 27363.08 by 28th April -> after doing that The amounts charged like Preclosure charges -> pro-rata interest -> Emi convertion charges will get reverted within 3 working days ( ie by 2nd May) .The GST paid for EMI processing fee wont be reverted. total loss 53.71 ruppes . (18% of 299/-)



Attaching Image for Reference . View attachment 101043
Click to expand...
 
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