How to cancel no cost emi on a merchant transaction but get the interest as discount?

[pavan000]

How to cancel no cost emi on a merchant transaction but get the interest as discount. For example, etailers give interest as discount upfront. How to retain that while cancelling the emi.

 

[romilq]

Ha, 2000 ka hai. Although ab card discount 5k se 3k kar diya hai. Axis/hdfc wese processing fees wagera refund karte hai kya? Processing fees 450 ke ass pass kuch tha axis pe

HDFC 199 fees refund kar dega. 35 gst nahi kiya mere ko last week.

 

[silly_putty]

HDFC 199 fees refund kar dega. 35 gst nahi kiya mere ko last week.

Thanks for the information!

 

[Rahul Gupta]

Ha, 2000 ka hai. Although ab card discount 5k se 3k kar diya hai. Axis/hdfc wese processing fees wagera refund karte hai kya? Processing fees 450 ke ass pass kuch tha axis pe

Dono karte h. Ek bar customer care ko call karke puch liya karo ki Merchant emi cancellation charges h ya ni. Mene recently icici and hdfc ke sath kara tha dono m hogya.

 

[redcarpet]

SBI shana hai.

Woh bolta Refund aayega toh hi EMI cancel karege🤣

Yeh shanapan baaki banks m naa aajaye🤣

HSBC has the same policy.

 

[redcarpet]

The offer price at BBD sale will be near 60K..
I have already purchased the pass for it
No exchange

Were u able to cancel without preclosure charges or anything for HDFC DC EMI?

 

[SSV]

Were u able to cancel without preclosure charges or anything for HDFC DC EMI?

I haven’t closed it yet..
you can’t cancel it without pre closure charges for merchant DC emi..

 

[iAmSam]

I cancelled one more emi today. This time saved 34k with instant discount and no cost emi.

How to do this...

Step please

Like, if ordered with ICICI no coat emi discount so that day is transaction's first day

Then which day I have to cancel my emi transaction... To benefit the extra discount of NCEMI and I have to pay only final amount of that day's transaction...

 

[Rahul Gupta]

How to do this...

Step please

Like, if ordered with ICICI no coat emi discount so that day is transaction's first day

Then which day I have to cancel my emi transaction... To benefit the extra discount of NCEMI and I have to pay only final amount of that day's transaction...

Step 1- order something with ncemi.
Step 2- wait 2-3 days for it to convert into emi.
Step 3- call customer care to cancel emi.

Btw you can cancel emi for free upto 14days from date of emi conversion.

 

[purushotham]

For this purchase

From CC Account ₹ 74000 was deducted

₹ 6000 Instant discount was given

I had choosen 6Months EMI of ₹ 12459

EMI is 12459 * 6 months = 74759

So only 759 is extra amount or any other extra amount will be there excluding 759 ?

Will this 759 include processing fees & GST
Or any extra amount will be there.

My First Time EMI purchase so a confusion

 

[iAmSam]

Step 1- order something with ncemi.
Step 2- wait 2-3 days for it to convert into emi.
Step 3- call customer care to cancel emi.

Btw you can cancel emi for free upto 14days from date of emi conversion.

Hi I ordered with NCEMI via ICICI credit card on 10th Nov 2023 from Amazon still today my transaction amount is not converted into emi as I shared the same.

So, should I wait more days for emi conver as my order yet to receive. Or I have to contact customer care...

 

[Rahul Gupta]

Hi I ordered with NCEMI via ICICI credit card on 10th Nov 2023 from Amazon still today my transaction amount is not converted into emi as I shared the same.

So, should I wait more days for emi conver as my order yet to receive. Or I have to contact customer care...

It should have been converted by now. Call them.

 

[iAmSam]

It should have been converted by now. Call them.

Thanks for your response

As I just checked now it's seems to converted into emi kindly find in screenshot here...

I have to call right now... or tomorrow

 

[Rahul Gupta]

Thanks for your response

As I just checked now it's seems to converted into emi kindly find in screenshot here...

I have to call right now... or tomorrow

Call now this is the best time to call them.

 

[Batmanbaba]

with sbi different trick is available

What about sbi

 

[iAmSam]

Call now this is the best time to call them.

Thanks for your response It's done 👍

 

[iAmPm]

I did on HDFC MILENNIA. Will inform when my statement will come next 20th

Did you get anything?

 

[atul9906]

with sbi different trick is available

What's the trick?

 

[Batmanbaba]

What's the trick?

U pay the entire amount instantly..... After doing transaction.... Tgen it wont get converted to emi

 

[nishant23]

I did it last month.... But nothing as such happened...... Even gst and procesing fees was reversed..... The point is u have to do it within 15 days.... I have experience of axis, icici and hdfc... Nothing was charged...

Does it still work and are you sure we have to do it within 15 days, some comments say we have to do it after emi conversion

 

[rohitbhati110]

Does this trick works on HSBC no cost EMI as well?