Team-BHP > Shifting gears


Reply
 
Search this Thread
Old 21st October 2020, 12:00   #3901
Senior - BHPian
 
Join Date: Aug 2010
Location: Delhi
Posts: 2,542
Thanked: 2,588 Times
Re: The Credit Card Thread

Quote:
Originally Posted by Comrade View Post
I auto reload paytm wallet using Amex MRCC card, and they are not charging any fee for auto reload (at least currently).
They are charging on Paytm App, but not on the desktop site. Wonder how long it will take them to update the desktop site.
Aroy is offline  
Old 21st October 2020, 16:45   #3902
rkg
Senior - BHPian
 
Join Date: Apr 2005
Location: bangalore
Posts: 1,044
Thanked: 593 Times
Re: The Credit Card Thread

I have got cash back for loading Paytm wallet with Amex MRCC on website. No charges for loading through credit card
rkg is offline  
Old 21st October 2020, 23:39   #3903
BHPian
 
gupta_chd's Avatar
 
Join Date: Nov 2009
Location: Chandigarh
Posts: 305
Thanked: 364 Times
Re: The Credit Card Thread

Quote:
Originally Posted by rkg View Post
I have got cash back for loading Paytm wallet with Amex MRCC on website. No charges for loading through credit card
You mean no net charges I believe. The cashback is temporary and introduced just to make people get used to charges. It will be over very soon. Charges are permanent.
gupta_chd is offline  
Old 22nd October 2020, 11:07   #3904
rkg
Senior - BHPian
 
Join Date: Apr 2005
Location: bangalore
Posts: 1,044
Thanked: 593 Times
Re: The Credit Card Thread

Quote:
Originally Posted by gupta_chd View Post
You mean no net charges I believe.
Yes. No credit card MDR charges. No mention also. Cash back was mentioned as for adding money to wallet.

Earlier also they have given cash back for adding money to wallet.

Last edited by Chetan_Rao : 2nd November 2020 at 12:18. Reason: Typo
rkg is offline  
Old 23rd October 2020, 08:14   #3905
BHPian
 
Join Date: Jul 2008
Location: HYD
Posts: 458
Thanked: 807 Times
Re: The Credit Card Thread

Quote:
Originally Posted by Aroy View Post
They are charging on Paytm App, but not on the desktop site. Wonder how long it will take them to update the desktop site.
They didn't charge automatic load that happened 10 days back. I only use app on the phone. I dont use desktop site.

The Credit Card Thread-img_20201023_081148.jpg
Comrade is online now  
Old 25th October 2020, 02:39   #3906
Distinguished - BHPian
 
audioholic's Avatar
 
Join Date: Jun 2012
Location: BengaLuru
Posts: 5,371
Thanked: 17,411 Times
Re: The Credit Card Thread

What happens after a negative statement balance? I have a HDFC Regalia credit card on which I had booked an airline ticket a few months back. It was refunded this month after I had already paid the statement balance of last month and that led to the amount spent on the card lesser than the amount totally paid, so the final amount on this month's statement is now -11,xxx. In case of my corporate credit where I faced a similar situation, the amount was transferred back to the bank account through which I paid the statement. I thought at that time that this was an arrangement by my company as a part of the negotiation for corporate card. But for my personal card I have never faced this situation. Hence I wanted to know if there is some standard policy for this card or in general.
audioholic is offline  
Old 25th October 2020, 03:08   #3907
BHPian
 
SS80's Avatar
 
Join Date: Apr 2019
Location: Bangalore
Posts: 205
Thanked: 566 Times
Re: The Credit Card Thread

audioholic:

I work for a bank's call center and I can vouch for the below information.

Yes, the credit balance of a credit card can always be moved to the bank account of the same person, only if the customer requests this.

No need to go to bank, call the call center and they can place the request for you.

Funny note: a bank never wants your credit card to be in credit and debit card to be in debit.
SS80 is offline   (4) Thanks
Old 25th October 2020, 06:21   #3908
Senior - BHPian
 
speedmiester's Avatar
 
Join Date: Jul 2006
Location: bangalore
Posts: 2,280
Thanked: 5,804 Times
Re: The Credit Card Thread

Quote:
Originally Posted by Comrade View Post
They didn't charge automatic load that happened 10 days back. I only use app on the phone. I dont use desktop site.

Attachment 2071084
The 2% charge on loading wallet is in effect from 15th October.
speedmiester is offline  
Old 25th October 2020, 07:13   #3909
Senior - BHPian
 
GrammarNazi's Avatar
 
Join Date: Apr 2013
Location: Bangalore
Posts: 1,373
Thanked: 3,176 Times
Re: The Credit Card Thread

I wanted to get a YouTube Premium Subscription, but I'm unable to add ANY of my new Visa Credit Card & Debit cards to Google Play AppStore. The cards are activated for all types of transactions - PoS/ECOM. My old Visa Credit card used to work, but it expired in June 2020. Tried correcting the address to whats indicated in the Bank Account Passbook, but no joy.

Even bought Google Play voucher from PayTM, but YouTube subscription accepts only a CC/DC. Last-ditch option I came across (but haven't tried) was to open a Kotak Mahindra Online account & use a virtual DC/CC. But not willing to do all that just for a YT Subscription.

Any clue what else I can try ?
GrammarNazi is offline  
Old 25th October 2020, 07:39   #3910
BHPian
 
deep_bang's Avatar
 
Join Date: Mar 2007
Location: Bangalore / Boise
Posts: 829
Thanked: 1,004 Times
Re: The Credit Card Thread

Quote:
Originally Posted by speedmiester View Post
The 2% charge on loading wallet is in effect from 15th October.
I just recharged Paytm using amex and did not see any charges. The sms from amex also shows the same amount. Is the 2% going to come on the statement as a a seperate charge or in the main amount that is deducted?
deep_bang is offline  
Old 25th October 2020, 10:25   #3911
BHPian
 
pratik1992's Avatar
 
Join Date: Apr 2014
Location: Princeton
Posts: 48
Thanked: 80 Times
Re: The Credit Card Thread

Quote:
Originally Posted by Aroy View Post
The funny thing is that with Paytm App they charge 2%. I tried from the desktop and there was no charge.
When I try to add money to my wallet through their desktop website, I am not even able to see my credit cards and cannot even add a new one! And it still shows 2% surcharge when I try to add money via the app (credit cards are showing up normally over there)

Desktop add money screen:
The Credit Card Thread-annotation-20201025-101457.jpg


Quote:
Originally Posted by Comrade View Post
I auto reload paytm wallet using Amex MRCC card, and they are not charging any fee for auto reload (at least currently).
Don't ever cancel the automatic payments! Guess you are grandfathered into this system. I cancelled my automatic wallet recharge to move from one card to another and was given a shocker that only certain banks' debit cards are now allowed for this service, along with paytm bank account. No credit cards.

Supported payment option for automatic add money service:
The Credit Card Thread-img_0574.png
pratik1992 is offline  
Old 25th October 2020, 10:29   #3912
Senior - BHPian
 
Join Date: Nov 2009
Location: Bangalore
Posts: 1,408
Thanked: 1,959 Times
Re: The Credit Card Thread

Quote:
Originally Posted by audioholic View Post
What happens after a negative statement balance?
You can leave the amount to pay the future bills. I have had a similar problem with purchase refunds. But like small amounts.
wildsdi5530 is offline   (1) Thanks
Old 25th October 2020, 10:40   #3913
BHPian
 
Join Date: Oct 2015
Location: Hosur
Posts: 629
Thanked: 909 Times
Re: The Credit Card Thread

Quote:
Originally Posted by audioholic View Post
What happens after a negative statement balance? I have a HDFC Regalia credit card on which I had booked an airline ticket a few months back. It was refunded this month after I had already paid the statement balance of last month and that led to the amount spent on the card lesser than the amount totally paid, so the final amount on this month's statement is now -11,xxx. In case of my corporate credit where I faced a similar situation, the amount was transferred back to the bank account through which I paid the statement. I thought at that time that this was an arrangement by my company as a part of the negotiation for corporate card. But for my personal card I have never faced this situation. Hence I wanted to know if there is some standard policy for this card or in general.
I faced this multiple times . Majority of the time is due to my mistake of overpaying the credit card. For HDFC if I paid the amount cia net banking i will call customer care and they will refund back the amount to the account. If I made the payment via CRED or any other method, then customer care refunds it via DD . Since this is a bit of hassle, I just let it be and adjust it against future purchases.
sairamboko is offline   (1) Thanks
Old 25th October 2020, 12:22   #3914
Senior - BHPian
 
Join Date: Nov 2009
Location: Bangalore
Posts: 1,408
Thanked: 1,959 Times
Re: The Credit Card Thread

Quote:
Originally Posted by audioholic View Post
What happens after a negative statement balance?
Actually in times gone, when my credit limit was low, I remember I had over payed a significant amount before a foreign trip just to avoid carrying cash. And it worked pretty well. No option back then of online banking to pay off the bill during the trip.
wildsdi5530 is offline   (2) Thanks
Old 25th October 2020, 13:01   #3915
Senior - BHPian
 
Join Date: Dec 2008
Location: Bangalore
Posts: 3,241
Thanked: 4,615 Times
Re: The Credit Card Thread

Quote:
Originally Posted by audioholic View Post
What happens after a negative statement balance?
I routinely end up in this situation. It only means the negative amount will be adjusted in the next statement. In general, go by what your statement (emailed/posted monthly) says.

(a) The statement's total outstanding is your total liability.
(b) The statement's minimum due you have to necessarily pay.

If (a) is negative, (b) will be 0. In all other cases, you have to pay something.

When in doubt, read your card issue's Most Important Terms & Conditions. For HDFC Bank: https://www.hdfcbank.com/content/api...a-16a19eea4953 - see 4(b).

Quote:
Originally Posted by GrammarNazi View Post
I wanted to get a YouTube Premium Subscription, but I'm unable to add ANY of my new Visa Credit Card & Debit cards to Google Play AppStore.
Some Google products' billing requires your card to be enabled for forex transactions (and not for some others). Did you check that?
binand is offline   (2) Thanks
Reply

Most Viewed
Thread Tools Search this Thread
Search this Thread:

Advanced Search

Copyright 2000 - 2023, Team-BHP.com
Proudly powered by E2E Networks