"Do you have XYZ Credit Card?" Thread

[samiryadav]

I know but I have no idea about emi. Maybe @samiryadav calculated wrong, but he was offering 500 more discount. I don't know how as I haven't used emi on my cards till now. I planned to go ahead with his payment but the exchange reduced the card discount on emi by 3500 rupees.

Once again this does not excuse me keeping you up night at 4:00 A.M. but also if upi was accepted none of it would have mattered. I don't know how else to prove my intentions to pay.

Regarding @badwhitevision I had mentioned in the post that it was an emi discount but he was under the impression that it was upfront discount. Therefore he backed out.

Price difference is something you cannot control,
There are account specific offers, different offers on different CC,
Currently same product is available @ 1100 more. Offers keep changing.

Note that refund for EMI txns is not very smooth with HDFC. If the refund takes a while, you will be charged some interest upon EMI closure.

All this risk should be borne by the buyer, without a doubt. But it’s better to be made it clear, otherwise folks may feel cheated.

Happened with me where flipkart couldn’t deliver some item to my address and I had to follow up multiple times for cancellation. After Flipkart initiated refund, I had to deal with HDMI regarding reversal of EMI closure charges + int charges which took weeks.

I would not go through this if it was just a help for someone else in first place.

This issue doesn't happen when Refund amount matches the transaction amount.
But Flipkart makes a mess of refund. They refund in parts, (99 (offer processing fess) + packaging fees + product Cost etc) ,
this mismatch makes it harder for the automated system to cancel associated EMI.
They have to manually do it.