Hdfc Bank Credit Card Not Taking Emi Foreclosure Charges.

Deal Subedar
Sushil_patwari

Screenshot2023-06-01-17-17-20-049com.android.chromeHdfc Bank Credit Card Not Taking Emi Foreclosure Charges.
I available no cost emi from Flipkart.
On my cards website there is no charges showing for emi pre closure.

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Generous Generous
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That's a good thing, Go ahead and close if not required 😉😀

Deal Subedar Deal Subedar
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Obviously good thing but I afraid that hdfc can cut charges without showing.

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Commentator Commentator
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isme dikkat kya h

Finance Ninja Finance Ninja
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It never did..it always charged pro rata charges and gst

Post Emperor Post Emperor
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They don't charge emi closure for me last year

Crowdpuller Crowdpuller
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First of all, Good morning to you. 

Now they dont even charge this "pro rata interest" which is shown. Also, they reverse 199 processing fee, only cost to cancel emi is 35.82 rs gst on processing fee.

Deal Subedar Deal Subedar
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But they are charging pro rata interest. They reverse it also ?

Helpful Helpful
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call customer care and ask from them

You will get confused

also cancel from cc/ mycards ,, see what amount u see to pay before next day

pay the amount , viola next day u  will see some amount in negative .. (overpaid)

never understood hdfc's logic to pay before next day , and why they take extra 

Deal Cadet Deal Cadet
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Paid recently using hdfc no cost emi in Flipkart

Amount was 55673

But after pre closure mail hdfc sent 55673 +

Pro rata interest and gst

Now it is 56169

Anyidea what is pro rata interest and why as no installment charges than why interest?

What to do now??

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Deal Cadet Deal Cadet
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I am not able to close using my cards website.

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