eddy4823 Posted December 23, 2021 Report Share Posted December 23, 2021 1 minute ago, SuperT said: Use the Cred app to pay the CC bill, you can use DC if the amount is more than 1 lakh you can use your DC to pay the bill. Only if the amount is 1 Lac and above ? That sucks. Amount in my case never exceeds 30k. Quote Link to comment Share on other sites More sharing options...
SuperT Posted December 23, 2021 Report Share Posted December 23, 2021 12 minutes ago, eddy4823 said: Only if the amount is 1 Lac and above ? That sucks. Amount in my case never exceeds 30k. You can pay using UPI if it is less and redeem the points you earn on cred for discounts/cashbacks etc. The offers were really good when they launched I once won a cashback for Rs. 4600 in their early days but now its usually never more than Rs. 15-20 but hey that is free money for just paying your credit card bill so I am not complaining. Sometimes the discounts on products/travel is good but mostly meh. Quote Link to comment Share on other sites More sharing options...
eddy4823 Posted December 23, 2021 Report Share Posted December 23, 2021 6 minutes ago, SuperT said: You can pay using UPI if it is less and redeem the points you earn on cred for discounts/cashbacks etc. The offers were really good when they launched I once won a cashback for Rs. 4600 in their early days but now its usually never more than Rs. 15-20 but hey that is free money for just paying your credit card bill so I am not complaining. Sometimes the discounts on products/travel is good but mostly meh. I once won a 1000 rs. cashback but when I was receiving 8-9 rs, I stopped using CRED. Directly paying via NetBanking is less hassle instead of paying in parts for 8-9 rs. Quote Link to comment Share on other sites More sharing options...
SuperT Posted December 23, 2021 Report Share Posted December 23, 2021 4 minutes ago, eddy4823 said: I once won a 1000 rs. cashback but when I was receiving 8-9 rs, I stopped using CRED. Directly paying via NetBanking is less hassle instead of paying in parts for 8-9 rs. True the benefits aren't great anymore. They sometimes have good offers on coffee and travel so I end up using it sometimes. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted December 23, 2021 Report Share Posted December 23, 2021 23 hours ago, KunjanPSD said: I received a credit report from Cred's partner and in it they have added an active consumer loan which was granted by HDFC (TV's EMI). But the EMI was completed almost 6 months ago. Then why is it showing up as active in the report? Do I need to contact someone for getting this fixed? It takes time sometimes . I paid my car loan 3 years back and it reflect after an year. Quote Link to comment Share on other sites More sharing options...
eddy4823 Posted December 30, 2021 Report Share Posted December 30, 2021 (edited) For some strange reason, my application is still in processing state on unicards. It's been 7 days and customer care doesn't have answer why. SliceIt claims to provide 2% rewards on payment of bill and same policy of splitting bill in 3 instalments Anyone using it ? edit : applied for sliceit and stuck at same process. wtf is this sorcery. My credit score is 671. Edited December 30, 2021 by eddy4823 Quote Link to comment Share on other sites More sharing options...
djdgr8 Posted December 30, 2021 Report Share Posted December 30, 2021 (edited) Anyone have a icici credit card can help me out with buying a laptop for 65k? Amazon one won't work. Edited December 30, 2021 by djdgr8 Quote Link to comment Share on other sites More sharing options...
dante77 Posted December 30, 2021 Report Share Posted December 30, 2021 Is zomato credit card worth it? I have 4 other cards, so I am not sure if Would want another but it seems too good. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted December 30, 2021 Report Share Posted December 30, 2021 16 minutes ago, djdgr8 said: Anyone have a icici credit card can help me out with buying a laptop for 65k? Hey ! PM me. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted December 31, 2021 Report Share Posted December 31, 2021 On 12/22/2021 at 2:13 PM, KunjanPSD said: I received a credit report from Cred's partner and in it they have added an active consumer loan which was granted by HDFC (TV's EMI). But the EMI was completed almost 6 months ago. Then why is it showing up as active in the report? Do I need to contact someone for getting this fixed? An update on this. Contacted HDFC and after 10 days they come back to tell me that even though all the installments were paid on time, there was still a due balance of 0.49 Rs because auto pay EMI is a "system" process and it rounds off the EMI amount. And that due balance kept on accruing penalty, hence the loan kept showing on the credit report as active. Lol, I seriously lost my sh*t and wrote them a scathing email and now as a "gesture" they are going to waive off the balance and penalty in next 7-10 days. I can't believe this. HDFC's system is so sh*t. Quote Link to comment Share on other sites More sharing options...
Aercy Posted December 31, 2021 Report Share Posted December 31, 2021 1 hour ago, KunjanPSD said: An update on this. Contacted HDFC and after 10 days they come back to tell me that even though all the installments were paid on time, there was still a due balance of 0.49 Rs because auto pay EMI is a "system" process and it rounds off the EMI amount. And that due balance kept on accruing penalty, hence the loan kept showing on the credit report as active. Lol, I seriously lost my sh*t and wrote them a scathing email and now as a "gesture" they are going to waive off the balance and penalty in next 7-10 days. I can't believe this. HDFC's system is so sh*t. HDFC is really bad and they just try to cover that up with constant high-value consumer durable discount (especially Apple) Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted December 31, 2021 Report Share Posted December 31, 2021 2 hours ago, KunjanPSD said: An update on this. Contacted HDFC and after 10 days they come back to tell me that even though all the installments were paid on time, there was still a due balance of 0.49 Rs because auto pay EMI is a "system" process and it rounds off the EMI amount. And that due balance kept on accruing penalty, hence the loan kept showing on the credit report as active. Lol, I seriously lost my sh*t and wrote them a scathing email and now as a "gesture" they are going to waive off the balance and penalty in next 7-10 days. I can't believe this. HDFC's system is so sh*t. Dude wtf ? You're lucky this did not get noted down as "Missed Payment" Or "NPA" That would have fxxxxx your credit score for life. Does that mean if you did not contact them that 0.49 can be 10,000 after 10-15 years if you dont look at it ? Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted December 31, 2021 Report Share Posted December 31, 2021 1 hour ago, rushaboswal said: Dude wtf ? You're lucky this did not get noted down as "Missed Payment" Or "NPA" That would have fxxxxx your credit score for life. Does that mean if you did not contact them that 0.49 can be 10,000 after 10-15 years if you dont look at it ? Dude, Idk. Such a stupid system. I might just report them to credit bureau. Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted December 31, 2021 Report Share Posted December 31, 2021 Just now, KunjanPSD said: Dude, Idk. Such a stupid system. I might just report them to credit bureau. Better to use the ombudsman in this case. Just ask them to explain why this was on your report for this period and not closed earlier. Then if you're petty like me, escalate to the RBI ombudsman Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted December 31, 2021 Report Share Posted December 31, 2021 5 minutes ago, KunjanPSD said: Dude, Idk. Such a stupid system. I might just report them to credit bureau. I know because thats what happened with our very old connection with reliance. (nothing on the credit report ) but we were served a notice of around 10k even after clearing all the bill. It was an error on their side resulting 100rs penalty turning into this! Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted December 31, 2021 Report Share Posted December 31, 2021 1 hour ago, LordSpymaster said: Better to use the ombudsman in this case. Just ask them to explain why this was on your report for this period and not closed earlier. Then if you're petty like me, escalate to the RBI ombudsman I will probably do that if they don't fix it in next 10 days. Quote Link to comment Share on other sites More sharing options...
R1shabh Posted January 1, 2022 Report Share Posted January 1, 2022 Does it really take 90-120 days for cashback (INR5000) to reflect after purchase (Reliance Digital) via CC (HDFC Regalia)? Quote Link to comment Share on other sites More sharing options...
LordSpymaster Posted January 1, 2022 Report Share Posted January 1, 2022 14 minutes ago, R1shabh said: Does it really take 90-120 days for cashback (INR5000) to reflect after purchase (Reliance Digital) via CC (HDFC Regalia)? These merchant linked cashbacks usually come on the last day of the period they specify in my experience. Has happened with HDFC, ICICI and Amex. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted January 6, 2022 Report Share Posted January 6, 2022 On 12/31/2021 at 8:33 PM, KunjanPSD said: An update on this. Contacted HDFC and after 10 days they come back to tell me that even though all the installments were paid on time, there was still a due balance of 0.49 Rs because auto pay EMI is a "system" process and it rounds off the EMI amount. And that due balance kept on accruing penalty, hence the loan kept showing on the credit report as active. Lol, I seriously lost my sh*t and wrote them a scathing email and now as a "gesture" they are going to waive off the balance and penalty in next 7-10 days. I can't believe this. HDFC's system is so sh*t. Update: They charged me 0.39 bucks and settled it against the loan amount. Will see how long it will take for it to be reflected in Credit Bureau. Quote Link to comment Share on other sites More sharing options...
AtheK Posted January 7, 2022 Report Share Posted January 7, 2022 22 hours ago, KunjanPSD said: Update: They charged me 0.39 bucks and settled it against the loan amount. Will see how long it will take for it to be reflected in Credit Bureau. same for one of my a\old account on bajaj finance, something I picked in 2007, finally paid them 12 rupees last year and got it closed. Quote Link to comment Share on other sites More sharing options...
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