Credit Line on UPI
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Has anyone availed credit line on UPI only few banks are offering it. It is a use now and pay later in 30 days with some nominal charge of Rs 100 to 150 to avail the credit.
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https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10312431
The purpose of credit line is to reduce people applying for entry level credit cards it might take more time for that to happen.
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https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10312478
2 types of Credit Line on UPI available -
1) Interest pay only when you spend the amount
2) Same like credit card, spend and repay within 30/40 days and no extra charges or any hidden charges.
https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10312792
the 2nd point can't find in ICICI , Axis and HDFC
which bank is offering this????
which bank is offering this????
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https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10312840
Have been using ICICI paylater for years. Upto 3K/mth is free.
https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10313192
So you avail 3k without any fee and pay back in 30 days without any interest right?
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https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10315587
I used icici paylater from 2019 till 2022 , till 2022 there was no charges and later cannot be linked to UPI had to manually give VPA ... limit was of Rs 10,000 , closed it due to charges and got few cards
closed all paylater once got credit card ..
https://www.desidime.com/discussions/credit-line-on-upi?page=1#post_10315632
How much was the charges?
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HDFC, Axis , ICICI are useless
HDFC asks subscription fees every 6 months (I think there is interest charged NO FREE PERIOD)
Axis dont have nominal fee it will start charging interest from day 1 and Axis credit line on UPI is only available with FD only
ICICI has some interest charges too
All 3 are no good
So at any day credit card is better with interest free period