![]() | #3961 |
Newbie Join Date: Jun 2016 Location: Hyderabad
Posts: 24
Thanked: 27 Times
| ![]() Our application for Amazon Pay ICICI card for my wife (working as school teacher for 5 years) didn't go through, so it doesn't seem like a very easy card to get. I only tried because they have been sending invitation emails to her for a few months, not sure why they do that when then can clearly filter based on their criteria. They waste customer time and their own time too (we went through video KYC too). |
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![]() | #3962 |
Senior - BHPian ![]() Join Date: Feb 2013 Location: India
Posts: 1,265
Thanked: 3,509 Times
| ![]() Hi, I have been using a basic standard chartered platinum credit card all this while(14 years). Now I intend to get a new card that helps in these cashbacks (apple , amazon, flipkart offers) , lounge access in domestic and international flights and fuel/grocery cashbacks from big bazaar and likes. Any suggestions which card from hdfc can help with this? I have my salary account in hdfc. My monthly usage is anything between 20-40k per month usually, so hope that would cover the annual cost part as well? Thanks in advance!!! ![]() |
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![]() | #3963 | |
Senior - BHPian | ![]() Quote:
1. I had an ICICI bank account 2. ICICI credit card 3. Bought regularly on Amazon In fact I got the invite while ordering some items on Amazon. The USP was that they will process the card immediately. I got a facsimile of the card in five minutes. | |
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![]() | #3964 | |
Senior - BHPian ![]() | ![]() Quote:
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![]() | #3965 | |
BHPian Join Date: Nov 2019 Location: Bombay
Posts: 597
Thanked: 2,174 Times
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So using it in my non prime account is the same as using it in my friends prime account. I made a purchase of 1399 from his prime and pending cashback is 41 as per customer care which will be credited at end of billing cycle. | |
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![]() | #3966 |
BHPian ![]() Join Date: Aug 2016 Location: Delhi
Posts: 111
Thanked: 237 Times
| ![]() Did anyone get the "Ex-gratia refund" on their HDFC credit card yet? It was supposed to be released by 5th Nov. I got it for all my secondary cards - ICICI, Amex but not on my primary HDFC DB card. When I called the customer care, they didnt have a clue. |
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![]() | #3967 |
BHPian ![]() Join Date: Oct 2004 Location: Bangalore
Posts: 187
Thanked: 138 Times
| ![]() Yes. I did receive for my Regalia. Got an SMS on 10th Nov stating that the amount has been credited on 3rd Nov. |
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![]() | #3968 |
BHPian Join Date: Dec 2009 Location: Bengaluru
Posts: 483
Thanked: 694 Times
| ![]() I did a large online transaction close to the end of the statement cycle & cancelled it the same day. The refund however reflects in the next cycle. Would the bank be willing to review the amount payable ? I'll end up with a big surplus next month. |
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![]() | #3969 |
BHPian ![]() Join Date: May 2020 Location: Kannur/Chennai
Posts: 115
Thanked: 461 Times
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I don't think it would be a problem because the refund would be considered as a credit/payment on the statement. For example, if you've made 60k worth of purchase in your latest statement, the bank will generate you a 60k bill due amount which has to be paid before the due date. Let's say the refund you're expecting is 50k and it is credited back before this due date, then the 50k is already adjusted and you need to make only the remaining 10k balance as payment. |
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![]() | #3970 | |
Senior - BHPian | ![]() Quote:
If you have a large credit then your best recourse is to contact the credit card help line. They will in most cases adjust the credit balance against the current bill, but do not bet on it. | |
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![]() | #3971 | ||
Senior - BHPian Join Date: Dec 2008 Location: Bangalore
Posts: 2,956
Thanked: 3,469 Times
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The "Outstanding" in your statement is your liability. If your statement reflects the large transaction then it is something you have to pay up (and is reflected in minimum due and interest calculations). Most card providers have language in their T&C that only payments that you trigger are counted towards "card payment" and not refunds and other credits. So the refund that you got is not considered as a payment. So, if I were you I'd do this:
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![]() | #3972 | ||
Senior - BHPian ![]() Join Date: May 2006 Location: Bangalore
Posts: 1,037
Thanked: 1,631 Times
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Yes, this is the safest option. | ||
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![]() | #3973 | |
BHPian ![]() Join Date: Nov 2019 Location: Goa
Posts: 399
Thanked: 1,045 Times
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Also, is this ONLY for CC? Pardon my ignorance on the subject. | |
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![]() | #3974 | |
BHPian ![]() Join Date: Oct 2014 Location: Somewhere in MH
Posts: 651
Thanked: 2,619 Times
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Now I can increase my credit worth using Kotak CC, reapply and possibly get the Amazon one. | |
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![]() | #3975 | ||||
BHPian ![]() Join Date: May 2020 Location: Kannur/Chennai
Posts: 115
Thanked: 461 Times
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But doesn't it make much sense if all the banks allow it? It puts an unnecessary extra burden on the customer when they have to pay for cancelled orders. It blocks their money for a while and kind of defeats the purpose of a credit card in my opinion. It makes sense to do this to be on the safer side. ![]() Even I've had an similar experience with HDFC but going by the above posts it looks like it differs between banks. Quote:
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