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Yeah, the best practice is to spend the money you have. That's what I am also saying. If you consider the opportunity cost i.e. the interest part, what I said will make more sense. Longer the interest free credit you get and later the due date, you enjoy interest on your funds. That's why it's...

This is fine bro. But for Axis, though it takes time to settle, the payment date is the original date on which we paid through HDFC BillPay. Whereas for ICICI payment date is the date on which ICICI make the settlement entry i.e when it actually gets credited to our account and not the date on...

Sometimes it takes 3 working days. If you have received the mail from HDFC saying your Bill payment is successfully processed, then you have nothing to worry. Payment date will be the actual date of payment. So no delay in case of Axis. Axis CC is useless in this regard. They can't check even if...

Received for 5th Sep transaction also. 😃

Received cashback on 4th Sep transaction. Yet to receive for 5th. Most probably will receive tomorrow. Thanks a lot bro. So maximum it's 3 working days.

Even I haven't received cashback for CC payments done on 4th and 5th Sep. Received CB for payment done on 28th and 29th Aug on 29th and 31st respectively. Just started to avail this. Hope they don't stop it.

I don't care about billing date but only about the gap between the various cards we have. I have 3 credit cards. Have chosen the billing date in such a way that time gap is 10 days between each card. So, always at a point in time there will be CC which gives maximum credit period. I use that...

I changed my ICICI billing cycle through app. App has only few custom dates. Was fine with me. For specific date, should contact phone banking. Changed Axis billing cycle through web chat. Overall a smooth experience. Changed them to manage CCs properly. Didn't try to change HDFC as it's...

When was it ?

Calendar month.

What I meant was there is Bharat BillPay logo near the second name. Also not able to use debit card in mobile banking. Can use only in netbanking.

I tried to register Kotak CC. BILLPAY portal shows 2 named. "Kotak Credit card" and "Kotak Mahindra Bank - Bharat BillPay". Which one to use for Kotak CC ? If both are Kotak's, which is fast in terms of payment getting reflected in Kotak CC account?

Do FD with HDFC. Preferably > 1yr. They are good at pre-approved offers. You might even get unsecured CC offer.

"in process" would have disappeared now from your statement. This is a good option by Axis. 😃👏

Great. This is what I was talking about. They don't know the different types of QR and their processes. Some are well aware of these. One can easily get to know by commutating with them. Try to avoid these kind of payments if they are not aware.

This question I asked @Batmanbaba. We know you made the transaction using credit card.

You normally receive money instantly in UPI right ? Can you do a test transaction with a smaller amount using credit card and let us know the normal lead time ?

It's Bharat QR only. He has shared payment screenshot. Which says BharatQR merchant ID and it's Axis bank's QR. Normally, Banks issue only Bharat QR.

UPI fine. But Bharat QR is also a product of NPCI right ? Just like UPI. Are they not accountable ?

Through UPI or using credit card ?