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What You Bought This Week - 2023 Edition


Assassins Creed
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7 hours ago, KrIzAliD said:

YCsC3dY.jpg

 

Things purchased during past month or so...

 

OnePlus 11 Marble Odyssey Edition

M2 Pro Mac Mini (this thing is a beast) and

Keychron K8 pro

 

and many many thanks to @rushab oswal  :hug: saved a lot on the mobile and mac mini

 

Congrats ! 

 

Tell us the trick @rushab oswal :threatenlumber:

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I think No cost EMI preclosure can’t be chargeable because the bank isn’t losing money either ways

 

1) pay whole amount upfront and bank can use that money to lend to others

 

2) pay the no cost EMIs over time, the interest component is already considered by the bank as upfront discount to seduce you to buy

 

if fact when I bought LG 55C2, my no cost EMI loan was never converted EMIs, I’ll be paying the whole swipe amount at the next bill date 

 

it’s the normal EMIs, that are chargeable 3% if you preclose, where bank stands to lose money which is why they charge for preclosure

 

if you haven’t different thoughts please comment

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24 minutes ago, 0verlord said:

if fact when I bought LG 55C2, my no cost EMI loan was never converted EMIs, I’ll be paying the whole swipe amount at the next bill date 

 

Then either you did something wrong or the guy who swiped. No Cost WILL ALWAYS BE CONVERTED TO EMI.

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3 hours ago, rushab oswal said:

Then either you did something wrong or the guy who swiped. No Cost WILL ALWAYS BE CONVERTED TO EMI.

Interestingly, after I bought the TV, I bought a few appliances on normal EMI. This appliances EMI loan is showing in my HDFC net banking but C2 purchase is showing as the swiped amount in my last month statement, no loan in net banking or any email or message of emi conversion 

 

one thing I did call customer care a few days after I swiped for C2 because NCEMI loan was taking more time to convert than usual and also told him I wanted to preclose

 

I was speaking to @Assassins Creed during the whole C2 NCEMI episode 

Edited by 0verlord
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8 hours ago, KunjanPSD said:

How much did you save by foreclosing the EMI?

 

on mac almost 22k along with the bank discount and on mobile almost 12-13k along with the old broken mobile exchange

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