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PLCC: Personal Loan on Credit Card (Interest Rate, Proc. Fee, and Offering Banks)

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HDFC (Insta): 11.04-21.96% (Mean 14.96%, offered rate 16.34%) (12-60 months) (+Proc.Fee up to 1299/-, +GST on interest amount for Insta loan, within the limit (upto 80% of total limit), pre-approved, easy to get)
HDFC (Jumbo): 11.04-21.96% (Mean 14.49%, offered rate 15.04%) (12-60 months) (+Proc.Fee 999/-, +No GST on interest amount for Jumbo loan, over the limit, pre-approved, difficult to get) (https://www.hdfcbank.com/personal/borrow/popular-loans/loan-on-credit-card)
Today, I received an offer of HDFC CC Insta loan @ 0.99% pm. However, that was for a 5-year duration only. I took it for one year, which was 1.22% pm (14.64% + GST). Proc. fee 1299/-. Three days back, the processing fee was waived, but the interest rate was higher.

I am not able to figure out whether their back-end system is cleverer than mine or not!
 
ICICI PLCC,

if amount>3Lakh, they offer 0% processing fee and minimum of 11%(may be account dependent).

I have 2 PLCC, 1 out of Credit Limit and another within credit limit.

Both issued at 11%+GST, 0%PF.
 
ICICI PLCC,

if amount>3Lakh, they offer 0% processing fee and minimum of 11%(may be account dependent).

I have 2 PLCC, 1 out of Credit Limit and another within credit limit.

Both issued at 11%+GST, 0%PF.
I have one 7.5 Lakh out of limit rate is higher at around 14-16%, and had processing fee of 1%, plus GST.

Did u approach customer care before availing it? I did it directly from app (pre approved offers).
 
I have one 7.5 Lakh out of limit rate is higher at around 14-16%, and had processing fee of 1%, plus GST.

Did u approach customer care before availing it? I did it directly from app (pre approved offers).
Always approach cc they offer less rate than app/nb and you can negotiate too. I took in nov in 13.99% in app it was showing 14.99
 
I have one 7.5 Lakh out of limit rate is higher at around 14-16%, and had processing fee of 1%, plus GST.

Did u approach customer care before availing it? I did it directly from app (pre approved offers).
These are always better with phone banking people. They have few options available, rates and charges reduction.

Regarding rate, I was also getting same 14-15% in app.

PreClosure Panelty Information if anyone need:
1. 1%+GST of balance principle amount for within credit limit PLCC
2. 2%+GST of balance principle amount for out of credit limit PLCC
 
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