https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8429564
Call the bank and they should be able to cancel the EMI. But I’m not sure if there is a way to disable this Auto conversion for future txns
hdfc easy emi credit card issue
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Yesterday I did a transaction of ₹10000 on smartbuy and recieved this message today. Is there any way to cancel this auto emi conversion to avoid charges. 
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https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8429572
You can write a mail and they will cancel the EMI.
Tbh the card is trash, I’ve had it before thinking I’ve never go over 10k and turns out I did go over 10k quite a lot.
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8429596
Yeah… its the worst credit card from HDFC… converting all txns above 10k into EMI. I closed it and got Millennia.
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8430224
MrMonkey wrote:Call the bank and they should be able to cancel the EMI. But I’m not sure if there is a way to disable this Auto conversion for future txns
You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8430263
RaviMehta15 wrote:Yeah… its the worst credit card from HDFC… converting all txns above 10k into EMI. I closed it and got Millennia.
Do we have to again apply for new card or can ask customer care directly for another card?
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8430314
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ClassicGamer wrote:Do we have to again apply for new card or can ask customer care directly for another card?
No, you can ask for upgrade…
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8430412
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guest_999 wrote:You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.
Exactly (Unless you hold super premium card or card which gives more % valueback)
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8431411
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guest_999 wrote:You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.
Same reply I got from Twitter team
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8431416
Have asked them to cancel emi after auto conversion
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8431418
Actually I m carrying on this card as it gives 5% upto 750 on smartbuy + smartbuy Cashback
https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8431450
But this time by mistake I make a transaction of 10k for purchasing fk gvs.
It is good card as it gives 10% for smartbuy voucher purchase upto 1k as smartbuy have limit of 10k for fk gvs. Previously I used to purchase Amazon gvs but smartbuy sucks now 
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https://www.desidime.com/discussions/hdfc-easy-emi-credit-card-issue?page=1#post_8441306
popopotato wrote:You can write a mail and they will cancel the EMI.
Tbh the card is trash, I’ve had it before thinking I’ve never go over 10k and turns out I did go over 10k quite a lot.
What charges I need to pay for cancellation??
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