I stopped all transactions on Paytm, removed UPI account I had linked earlier.
I did hear from someone that once an account is flagged, it stays like that for minimum 3 months.
So after 3 months, I looked at interest rates for add to wallet, it dropped from 4.35 to 2.35. That's one indication...
I had loaded wallet via CC. I don't think there is a way to differentiate wallet money loaded with debit/credit card except for transaction trails.
They do look out for accounts who load money via CC and then send it back to bank account, their systems will then flag such accounts and stop...
That's it. This is the end for wallet load using CC for me.
On paytm directly I'm being charged 4.65% on AMEX and 4.35% on all other cards.
Any solution ??