rushab oswal Posted January 13, 2021 Report Share Posted January 13, 2021 1 minute ago, playstationdude said: Kam hi dekhta hun tbh Only when some major f**kery i notice Chor he CC wale. They have tried atleast 12 times to charge for different sh*t. Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 13, 2021 Author Report Share Posted January 13, 2021 Just now, rushaboswal said: Chor he CC wale. They have tried atleast 12 times to charge for different sh*t. I have all corporate cards, so mostly free if I shop for more than 15k in a year, which almost always happens on every card since I buy via CC and then immediately repay the due( except obviously no cost emi waala) Quote Link to comment Share on other sites More sharing options...
TheMonark Posted January 13, 2021 Report Share Posted January 13, 2021 20 minutes ago, Assassins Creed said: I mean if you cancel later when the EMI conversion already happened in cycle I am not sure about this. Usually there are two parts to EMI: Interest and Service fee (usually in range of 250-350 + GST). I had cancelled two FK orders in Nov. Both were purchased on EMI, one from HDFC card and other from Axis. FK refunded me the whole amount but I had to call the bank and cancel the EMI. Axis refunded the service fee without any issues, while for HDFC I had to shoot them an email. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted January 13, 2021 Report Share Posted January 13, 2021 2 hours ago, playstationdude said: I have all corporate cards, so mostly free if I shop for more than 15k in a year, which almost always happens on every card since I buy via CC and then immediately repay the due( except obviously no cost emi waala) Are you purchasing personal items on corporate cards ? Isn't that a huge compliance violation at your workplace ? And AFAIK, corporate cards shouldn't have a minimum limit on them. There's a reason they are corporate. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 13, 2021 Report Share Posted January 13, 2021 2 hours ago, playstationdude said: I have all corporate cards, so mostly free if I shop for more than 15k in a year, which almost always happens on every card since I buy via CC and then immediately repay the due( except obviously no cost emi waala) OH CORPORATE , BADE LOG Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 13, 2021 Author Report Share Posted January 13, 2021 13 minutes ago, Bird Bird Bird said: Are you purchasing personal items on corporate cards ? Isn't that a huge compliance violation at your workplace ? And AFAIK, corporate cards shouldn't have a minimum limit on them. There's a reason they are corporate. Arey I meant not office issued, got them as part of special offer for our company's employees Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted January 13, 2021 Report Share Posted January 13, 2021 1 minute ago, playstationdude said: Arey I meant not office issued, got them as part of special offer for our company's employees To personal hua na. The place where I work, If we buy a single personal item via our corp card, you lose your job. As simple as that. I hate them. Prefer to use personal cards, but it's a mandate to use corp cards on all business travels. Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 13, 2021 Author Report Share Posted January 13, 2021 Just now, Bird Bird Bird said: To personal hua na. The place where I work, If we buy a single personal item via our corp card, you lose your job. As simple as that. I hate them. Prefer to use personal cards, but it's a mandate to use corp cards on all business travels. Han personal card that I got in corporate specific offer. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted January 13, 2021 Report Share Posted January 13, 2021 Just now, playstationdude said: Han personal card that I got in corporate specific offer. Sahi hai. Pure corp cards are f**kall sh*t. No reward points. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 13, 2021 Report Share Posted January 13, 2021 3 minutes ago, Bird Bird Bird said: but it's a mandate to use corp cards on all business travels. Then buy a ps5 while you travel? Or it doesnt work that way Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 13, 2021 Author Report Share Posted January 13, 2021 4 minutes ago, Bird Bird Bird said: To personal hua na. The place where I work, If we buy a single personal item via our corp card, you lose your job. As simple as that. I hate them. Prefer to use personal cards, but it's a mandate to use corp cards on all business travels. Just now, rushaboswal said: Then buy a ps5 while you travel? Or it doesnt work that way Upar padhi sirji Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 13, 2021 Report Share Posted January 13, 2021 Just now, playstationdude said: Upar padhi sirji My bad. Did not read that . XD Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted January 13, 2021 Report Share Posted January 13, 2021 1 minute ago, rushaboswal said: Then buy a ps5 while you travel? Or it doesnt work that way Zara apna business card dena... credit wala. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted January 13, 2021 Report Share Posted January 13, 2021 Just now, Bird Bird Bird said: Zara apna business card dena... credit wala. Would be rejected on everything above 10k lol Quote Link to comment Share on other sites More sharing options...
playstationdude Posted January 13, 2021 Author Report Share Posted January 13, 2021 1 minute ago, adity said: You can foreclose the EMI but there'll be charges (3 percent I think). I guess it will still be cheaper than full interest? Around 1500 or so? Let me check with the bank nearer to 2nd Feb. Quote Link to comment Share on other sites More sharing options...
l33tmaniac Posted January 14, 2021 Report Share Posted January 14, 2021 15 hours ago, playstationdude said: I guess it will still be cheaper than full interest? Around 1500 or so? Let me check with the bank nearer to 2nd Feb. Yes, it will be cheaper. Most banks charge to the tune of 2.5% preclosure charges. If you opted for merchant EMI as against manual EMI conversion, then it's even better. Most sites do not charge any processing fee on EMI, but some of them do. Quote Link to comment Share on other sites More sharing options...
Assassins Creed Posted January 14, 2021 Report Share Posted January 14, 2021 2 hours ago, l33tmaniac said: If you opted for merchant EMI as against manual EMI conversion, then it's even better. Most sites do not charge any processing fee on EMI, but some of them do. I am planning to do this once the first 3 EMI condition is over and I get the cash back on the TV purchase, it will actually save me good money if I close the loan, dunno if its possible but will try.. Quote Link to comment Share on other sites More sharing options...
l33tmaniac Posted January 14, 2021 Report Share Posted January 14, 2021 1 minute ago, Assassins Creed said: I am planning to do this once the first 3 EMI condition is over and I get the cash back on the TV purchase, it will actually save me good money if I close the loan, dunno if its possible but will try.. Definitely possible. I've done this before. But do double check if you opted for no cost emi (doesn't seem to be the case for you I guess). See if the 2.5% charge is lesser than the 18%GST on interest that's charged. Quote Link to comment Share on other sites More sharing options...
Assassins Creed Posted January 14, 2021 Report Share Posted January 14, 2021 5 minutes ago, l33tmaniac said: Definitely possible. I've done this before. But do double check if you opted for no cost emi (doesn't seem to be the case for you I guess). See if the 2.5% charge is lesser than the 18%GST on interest that's charged. Yeah, its no cost, so they give the discount upfront and charge interest every month right.. we can even avoid that interest for rest of the month if what they say is true i.e close the loan after 3 months by paying 2.5 or 3% and GST on it... so the product price was 1.7L but adjusted loan showing in CC is around 1.56 I think.. will know by March Quote Link to comment Share on other sites More sharing options...
l33tmaniac Posted January 14, 2021 Report Share Posted January 14, 2021 2 minutes ago, Assassins Creed said: Yeah, its no cost, so they give the discount upfront and charge interest every month right.. we can even avoid that interest for rest of the month if what they say is true i.e close the loan after 3 months by paying 2.5 or 3% and GST on it... so the product price was 1.7L but adjusted loan showing in CC is around 1.56 I think.. will know by March May be wrong, but I think you'll end up paying the upfront discount. Else everyone can use this method to get items for way lesser than MRP. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.