cc bill generated but got refund

169°
Deal Subedar
Demondealer

spent 1.5lack on sbi cashback card. received 1.3lack refund. bill generated 1.5lack


paying 30k is enough or should i pay 1.5lack?

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Wingman Wingman
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Pay the entire bill amount. Refunds are not considered as payment.

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Helpful Helpful
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Pay only remaining amount 

Wingman Wingman
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Pay the entire bill amount. Refunds are not considered as payment.

Commentator Commentator
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Spent is 1.5L and refund is 1.3L so balance is 20k right so why to pay 30k in the first place? anyways refund will show up as credit and your oustanding amount will be reduced by 1.3L and you can pay 20 or 30k whatever 😃

Helpful Helpful
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Pay 20k only and relax

Deal Subedar Deal Subedar
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just called cc. the lady said i have to pay full 1.4lack and ask for reversal of excess amount once payment is made. dyamm
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Wingman Wingman
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Refunds are not considered as payment towards due. Confirm with customer care once

Wingman Wingman
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Even I had this issue. Cc told to pay full then they will refund to desired bank account.( Even u can request refund in app)

Deal Subedar Deal Subedar
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i get it but it means i wont be able to use my 1.3lack for atleast 10days

axis consideres refund as credit and hdfc also same. stupid sbi
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Deal Cadet Deal Cadet
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If the refund amount is credited to your credit card account, it is fine.

Benevolent Benevolent
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If bill has been generated then you have to pay full.

Refund will show as credit in next month

Generous Generous
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First clear your current outstanding in full after that try 1000 rs. Payment

I think sbi will not allow overpayment as per recent experience with sbi then mail that text of transaction failure to sbi nodal officer with asking how to pay full bill and get money back

Deal Subedar Deal Subedar
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dyam brother. IQ 999% gonna try this 
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Deal Newbie Deal Newbie
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How you get 1.3 lac refund when you spend 1.5 lac and I have query for the SBI cashback card that if I pay electricity bills with it did I get 5% cashback or not ?

Commentator Commentator
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Ask for the refund first, let it deposited in your bank account and then pay the billed amount of credit card. This can be done before the due date.

Helpful Helpful
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Happened twice with me.. they charge high fee if you don’t pay full amount even after refund

https://www.desidime.com/discussions/sbi-card-l...


second time I mailed them and said i will complaint to rbi then only they refunded me charges..


if you want to avoid trouble pay 1.5L and later request for remaining amount in bank

Cool Cool
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pay full bill amount and claim excess amount refund to savings account.

self experience,

@Demondealer

Cool Cool
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@Demondealer

Untitled

Deal Newbie Deal Newbie
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Yes, you need to pay the full billed amount (refunds after bill generation don't matter), I learned this the hard way last month from SBI itself 😣. After bill is settled you can get the extra credit balance refund (All banks have this facility).

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