HDFC Credit Card AutoPay

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parmod02

Kindy note my HDFC credit card bill is 14224 and bill due dte is 12/04/22. I have already enrolled for Autopay.

The query is i have already paid Rs 10000 approx via different payment methods like Amazon, Mobikwik due to various offers. Now, how autodebit will work on 12/04/22. Please assist.

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Deal Cadet Deal Cadet
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Another 2 days. Lets wait and know.. U already paid 10k and if they debt full amount, u can use the card for 10k next month to adjust your outstanding

Deal Cadet Deal Cadet
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If the amount you’ve paid so far, i.e. Rs 10,000, is reflected under the Unbilled Payments section of your credit card, then Rs 4,224 will be auto-debited from your linked HDFC account on the 12th April 2022. 

Deal Newbie Deal Newbie
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Ransome wrote:

If the amount you’ve paid so far, i.e. Rs 10,000, is reflected under the Unbilled Payments section of your credit card, then Rs 4,224 will be auto-debited from your linked HDFC account on the 12th April 2022. 

I have some refunds as well in unbilled transaction. Will that also adjusted?

Deal Cadet Deal Cadet
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parmod02 wrote:

I have some refunds as well in unbilled transaction. Will that also adjusted?

Yeah but make sure you have sufficient funds in your account. 

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Ransome wrote:

Yeah but make sure you have sufficient funds in your account. 

Actually the no problem about the funds but if refunds got adjusted then no payment is required eventually. I was wondering how to verify this.

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parmod02 wrote:

Actually the no problem about the funds but if refunds got adjusted then no payment is required eventually. I was wondering how to verify this.

The refund amount will NOT get adjusted for the auto-debit. That adjustment will be made in the next statement. The auto-debit will be done for your current statement. So, as I said earlier, if you see Rs 10,000 payment reflected in Unbilled Payments, then you need to keep at least Rs 4,224 in your account for auto-debit. 

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Ransome wrote:

The refund amount will NOT get adjusted for the auto-debit. That adjustment will be made in the next statement. The auto-debit will be done for your current statement. So, as I said earlier, if you see Rs 10,000 payment reflected in Unbilled Payments, then you need to keep at least Rs 4,224 in your account for auto-debit. 

Ok thanks bro will confirm you the outcome on 12-April.

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parmod02 wrote:

Ok thanks bro will confirm you the outcome on 12-April.

Hi @Ransome bro, you were correct. The partial payment is deducted through Autopay.

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parmod02 wrote:

Hi @Ransome bro, you were correct. The partial payment is deducted through Autopay.

Yeah, when it comes to HDFC credit card auto-debit facility, you will have to pay the total outstanding amount anyhow. If you make partial payments using multiple apps, the remaining balance (if any) will get deducted on the due date. If you pay the total outstanding amount before the due date, then there will be no auto-debit deduction on the due date. Any refunds will be adjusted in the next statement. So, don’t consider refunds as adjustments for auto-debit.

Just make sure that the partial payments made using third-party apps must reflect under Unbilled payments BEFORE the due date, else you’ll have to consider it as an unpaid amount and you’ll have to maintain that extra amount in your account for auto-debit. For eg. Out of the total outstanding amount of Rs 14,224, if you paid Rs 10k using mobikwik on 10th April and the due date is 12th but the payment isn’t showing up on 11th then you’ll have to maintain at least Rs 14,224 in your account for auto-debit. The extra Rs 10k paid using mobikwik will get adjusted in the next statement. That’s why it’s always recommended to make third-party app payments at least 5-to 7 working days before the due date so that there’s sufficient time for the amount to be credited to your credit card account.

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