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emi

  1. T

    Infinia emi rewards confusion

    I have done a txn of ~70k as emi and the bill was generated before emi conversion and i got 2100 points for that. What will happen to rp once the emi conversion happens ? Will the RP also gets rolledback ? The plan is to foreclose the emi once it's converted. Will i get the RP again after...
  2. L

    How does this EMI discount works on Amex cards at Tata clix luxury

    Hi Everyone, I am trying to purchase this product at TataCliq luxury website and following is coupon available. https://luxury.tatacliq.com/flexnest-adjustable-iron-dumbbell-weight-adjustment-(5kg-to-40kg)-for-home-workout,-40kg,-set-of-2/p-MP000000013989861 i want to know if i avail this...
  3. N

    CIBIL score and EMI

    My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...
  4. suraj singh

    Hdfc credit card no cost emi closure

    Mujhe apne hdfc credit card mai no cost emi close krni hai Product purchase- 17/05/25 No. Of months-6months Statement generation date- 21/05/25 1st emi toh post ho gyi hai statement toh agar mai ab cancel krunga toh processing fees wapis hogi kya? Aur es mai toh jo no cost emi ka discount...
  5. Shroud

    HDFC marked late payment for EMI that was paid on time

    I recently refreshed my CIBIL score from Cred app and saw that my score fell 70 points…. Upon checking further, it seems HDFC reported a delayed payment for my Car loan EMI that was infact paid on time…. The ECS mandate was executed as usual from my bank account and no manual payment was...
  6. S

    Confusion on EMI Payment via Pinelabs machin

    I purchased an AC from an offline store and there was an offer on SBI credit card and no cost EMI on pinelabs machine. There authorization amount was 30800 which got deducted from my card after the payment but my question is that the amount which they should have charged should be loan booking...
  7. AlekhyaDas

    NEED help buying an AC with HDFC CARD - EMI vs Non EMI

    If I'm getting PANASONIC AC at 33.5K with HDFC EMI from Amazon, is it the price I'm paying? Or there will be any additional charges? The same ac is also around 35K from Flipkart without any EMI but 3% CB will be there I think via Payzapp hdfc card Can anyone help? Which one should i go with?
  8. V

    Offer Fulfilled! Kotak Credit card EMI cancellation query

    I recently purchased an air conditioner using my Kotak Platinum League credit card and opted for a 3-month EMI to avail a ₹1500 cashback offer. I have a few questions: 1) Can I cancel the EMI and pay the full amount instead? 2) If I cancel the EMI, will the processing and other associated...
  9. Adith

    Amex EMI conversion offer for Plat Travel

    Minimum Amount : 50000+ Processing fee waiver upto 1750 Drakensberg gift box : Keychain + Luggage Tag Reference i found online : https://www.drakensberg.in/products/luggage-tag-luca EMI Specifications : 3, 6, 9 , 12 months tenure 16% p.a interest rate 2% processing fees GST 3% + Taxes for...
  10. MithileshNic

    Home loan EMI using reward points

    Hi, In one of the recent videos by Sumanta Da, he mentioned about paying off a part of his home loan EMI using reward points. How does one do it?
  11. ashb009

    Devaluation ICICI Free No-Cost EMI Cancellation is DEAD! Applicable from 1st May, 2025

    Source: https://www.icicibank.com/personal-banking/cards/credit-card/low-interest-emi-products/instant-emi/terms-and-condition End of an ERA! F in the chat guys, it was good while it lasted.
  12. HVS

    OnePlus NCEMI Invoice Discrepancy (Official Store): Last Year vs. This Year

    Has anyone else who purchased from the official OnePlus India website experienced a change in invoicing for "No Cost EMI" orders? Last year, when I bought my OnePlus 12 with "No Cost EMI" from the official OnePlus India website, the invoice showed the phone's discounted price after instant...
  13. hedgehog2122

    CIBIL Score severely impacted due to delayed EMI by primary borrower

    Dear All, Need your valuable suggestions on a peculiar case of one of my close friends whose CIBIL has hit badly due to late payments of home loan EMI where he is a co-applicant. This goes back to 2010 wherein he married a girl and jointly took a home loan where his ex wife was the main...
  14. Shiladitya

    EMI foreclosure payment

    Hello, I had made a purchase using EMI on my BoB card and had cancelled the EMI on the day it was converted. The confirmation came around 5 days later. I received my statement yesterday and the following amounts have been charged. Can someone please let me know if this looks alright or...
  15. Shiladitya

    BoB EMI preclosure

    Can anyone please guide me how to preclose my EMI from the app? That is, which option should I choose on the app?
  16. Md_

    Bajaj EMI Card - Query

    In the month of oct 2024 I wanted to buy an refrigerator on loan So i went to vijay sales... And i purchased it on bajaj finance I was not having their emi card so the vijay sales bajaj executive created emi card for me So in bajaj finserv app it was showing co branded vijay sales emi card...
  17. Rkr

    Yes Bank credit cards Overlimit feature discontinued w.e.f 01 May 25 along with revision of EMI Card ROI w.e.f 01 Apr 25

    1. W.E.F. 1st May 2025, bank shall be discontinuing Overlimit feature on your YES BANK Credit Card. Althe customers currently availing overlimit facility as per given consent shall be disabled and any transaction attempted over and above the sanctioned credit limit shall be automatically...
  18. A

    DCB Cancel DCB EMI to avoid interest.

    Made a transacrion on Amazon using DCB CC. Pay in full was not giving any discount while 6 month EMI was getting 10% off. How to cancel EMI now to avoid paying charges and interest? Transaction date: 03/03/2025 (today). Thanks in advance.
  19. Hope

    SBI card unknown transaction/ emi charge

    Today I recieved statement of sbi cc I saw charge of 97.26 which is not from emi ongoing. MEMI-INT DEBIT 1STEMI (EXCL TAX 17.51) 97.26 D Then I saw transaction on card is displayed 1rs transaction CH CONTRA and credited too, first time I saw this type charge/transaction I cross checked if I did...
  20. Md_

    Bajaj Finserv EMI Card - Discussion

    Guys I don't know why my Bajaj finserv insta emi card is blocked but for what reason if any one have idea please tell My cibil score is 780 My experian is 749
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