HDFC Smartpay CC bill payment disaster.

[proletariat]

I faced the same issue through SBI YONO's Standing Instructions(SI), I had set up 3 SI to pay the bills for my credit cards belonging to other banks. In the previous 2 months, the 3 SI's were honoured and credit card bills were paid on the 26th, 28th and 30th for them. But last month(May), none of the bills got generated in time. I had a calendar reminder, so i checked and paid all 3 bills myself on 28th night. Then on 29th, the 1st bill got generated and auto debited from account, just 1 day before the last payment day, others aren't generated till now.
I had a surgery on 30th, so just imagine if i hadn't noticed this and was busy dealing with the medical stuff

Are you using the SBI VDC by any chance am planning to apply - any suggestions or pointers would be helpful - like how much CB and virtual or physical DC is better. thanks!

 

[desiviru]

Are you using the SBI VDC by any chance am planning to apply - any suggestions or pointers would be helpful - like how much CB and virtual or physical DC is better. thanks!

Reward rate is 0.25% and once you complete 1L in total payments, it becomes 0.50% due to milestone benefit of 1000 pts people receive.

Currently as SBI stopped VDC extra 2 points, it doesn't matter if you use Physical or virtual card for payment.

 

[Hemang]

Reward rate is 0.25% and once you complete 1L in total payments, it becomes 0.50% due to milestone benefit of 1000 pts people receive.

Currently as SBI stopped VDC extra 2 points, it doesn't matter if you use Physical or virtual card for payment.

TF community to VDC.

 

[proletariat]

do we have to auto pay like in hdfc for sbi or can we pay manually and get CB
?

Reward rate is 0.25% and once you complete 1L in total payments, it becomes 0.50% due to milestone benefit of 1000 pts people receive.

Currently as SBI stopped VDC extra 2 points, it doesn't matter if you use Physical or virtual card for payment.

 

[rogerthat]

Smartbuy just scheduled my last month's IDFC First bank bill payment which was fully paid off using Smartbuy only. What amazing systems!

 

[desiviru]

do we have to auto pay like in hdfc for sbi or can we pay manually and get CB
?

Nothing like such with SBI. Just pay your bill anywhere which allows payment through debit card. Use your SBI PDC/VDC and that's all. Autopay thing is only for HDFC ESP on smartpay where you can use HDFC cards only not others.

 

[CardTox]

Alll banks give due date +3 days grace period, don't worrey, your payment should reach the card with in 3 days of its due date. If the last date of payment is 21 June, you have time till 24 June with out any charge and negative impact.

 

[Pran2023]

It's just astonishing to observe peoples crying over auto-payments initiation ONLY 4 days prior due date!
Here I've a credit card portfolio of 48 active cards which doesn't include add-ons or similar account cards like ICICI Sapphiro/Expressions/Coral.
Paid 5000+ credit card bills for last 10 years, 99% of them were on due date only!
Oh I forgot, there's not a SINGLE missed payments!!!!

 

[desiviru]

It's just astonishing to observe peoples crying over auto-payments initiation ONLY 4 days prior due date!
Here I've a credit card portfolio of 48 active cards which doesn't include add-ons or similar account cards like ICICI Sapphiro/Expressions/Coral.
Paid 5000+ credit card bills for last 10 years, 99% of them were on due date only!
Oh I forgot, there's not a SINGLE missed payments!!!!

Now you will face the wrath of CC God for saying "not faced problem till yet". Apni hi nazar lagegi ab.

 

[2025]

It's just astonishing to observe peoples crying over auto-payments initiation ONLY 4 days prior due date!
Here I've a credit card portfolio of 48 active cards which doesn't include add-ons or similar account cards like ICICI Sapphiro/Expressions/Coral.
Paid 5000+ credit card bills for last 10 years, 99% of them were on due date only!
Oh I forgot, there's not a SINGLE missed payments!!!!

Congratulations. . .