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HDFC Smartpay CC bill payment disaster.

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!
 
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