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onecard scam, be alert friends

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Deal Cadet
kannu.rider304

I got a bill of ₹40347 on November 1 which I need to pay by 18th. I paid 38847 via cred (got some cb too due to cb cards) and did 2 referral in cred  which gave me 1500 rs as Cashback but onecard consider this Cashback as refund and now they incurred interest charges in this month statement.

What should I do in this case?
They consider cred cb as refund and they don’t consider refund as repayment. I paid more than the bill amount still I got late payment charges.https://cdn0.desidime.com/attachments/photos/726035/medium/IMG_20211203_195752.jpg?1638550342 https://cdn0.desidime.com/attachments/photos/726037/medium/IMG-20211203-WA0011.jpg?1638550373
Please someone guide me what to do in this case?





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Top Comments
Benevolent Benevolent
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must be their technical issue;How CRED CB is refund; where is the corresponding order thru onecard?
their software is dumb;
They will reverse, else complain to RBI, u will surely win
But keep paying bills as per stmt generated till issue is resolved else another headache

Benevolent Benevolent
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must be their technical issue;How CRED CB is refund; where is the corresponding order thru onecard?
their software is dumb;
They will reverse, else complain to RBI, u will surely win
But keep paying bills as per stmt generated till issue is resolved else another headache

Deal Subedar Deal Subedar
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It has been like this from the start. Users are ignorant not to check full payment status which clearly shows on the front page of the app.

Deal Subedar Deal Subedar
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I hold OneCard issued by Federal bank and CRED cashback reflects as Repayments for me.

I have noticed this error with OneCard issued by IDFC bank holders.

You could try communicating with them, asking them why are you considering cashback as refunds, if they stick to it, ask them from what transaction has this refund originated. I’m sure they’ll have no answers.

If they still hesitate or bother you much, just logde an complaint on PGPortal against IDFC bank, they’ll get to it.

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Deal Cadet Deal Cadet
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I have complained to onecard team, let’s see what happens.
Also guide me if anyone of have similar experience

Benevolent Benevolent
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must be their technical issue;How CRED CB is refund; where is the corresponding order thru onecard?
their software is dumb;
They will reverse, else complain to RBI, u will surely win
But keep paying bills as per stmt generated till issue is resolved else another headache

Deal Subedar Deal Subedar
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It has been like this from the start. Users are ignorant not to check full payment status which clearly shows on the front page of the app.

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Benevolent Benevolent
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@xxxyyyzzz be careful

Finance Ninja Finance Ninja
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Bhai mere referral se aaj tak kisi ne cred sign up nahi kia sweat_smile.

I only use onecard for rookie 200-250 rs swiggy loot payments. But Yes, gotta be careful if they add stupid fines.
My bill generates on 15th, will clear used amount before bill generates.

Finance Ninja Finance Ninja
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@kannu.rider304
Which bank issued you one card?
Did you complain directly to issuing bank or onecard 🤔

Finance Ninja Finance Ninja
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We have received merchant credit refund on your ICICI Bank Credit Card XX7019 for INR 1089.4 on November 16, 2021 from EASE MY TRIP.

We wish to inform you that this refund will not be considered as payment.

I get this email from icici in case of refund, 2nd line i highlighted irks me so to be on safer side i overpay usually.

Deal Cadet Deal Cadet
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But cred cb is not refund for any transaction, also in other bank it is counted as payment. Not as refund

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Deal Cadet Deal Cadet
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HDFC seems to treat all refunds as repayments, right?

Deal Cadet Deal Cadet
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Don’t know

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Deal Cadet Deal Cadet
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It is counted as payment on all other cards

Finance Ninja Finance Ninja
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Let them reply, maybe they’ll reverse.
keep us posted.

Deal Subedar Deal Subedar
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When i redeem rewards it considers it as repayment

Benevolent Benevolent
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Cred cb credited into my one card but that wasn’t processed so i guess they don’t allow any 3rd party apps to process payments for One card.

You should only use One card app to clear all your dues so as to aviod this in future smile

Pro Shopping Friend Pro Shopping Friend
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JJ bhai aap kuch jayda hi aage chale gaaye. stuck_out_tongue

OP issue is different here OP is saying Onecard considered the cred cashback as a refund.




Helpful Helpful
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It happened with me, I got 100/- refund post bill generation.
I have settled remaining balance after refund but ONECARD charged me 900+taxes for not paying 100/-
When I complained they reversed charges as one time good will…
will close cards once swiggy offer ends

Finance Ninja Finance Ninja
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Please guide OP on how to proceed for “one time good bill” waiver.
Thanks for sharing your experience.

@Tony007 take note

View 3 more replies
Deal Subedar Deal Subedar
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I hold OneCard issued by Federal bank and CRED cashback reflects as Repayments for me.

I have noticed this error with OneCard issued by IDFC bank holders.

You could try communicating with them, asking them why are you considering cashback as refunds, if they stick to it, ask them from what transaction has this refund originated. I’m sure they’ll have no answers.

If they still hesitate or bother you much, just logde an complaint on PGPortal against IDFC bank, they’ll get to it.

Finance Ninja Finance Ninja
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Glad I’m a federal bank holder

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Deal Subedar Deal Subedar
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You can f*ck them up, just mail them saying if they don’t correct this error, which is of serious concern, you will report it to RBI. They will come begging wink

Helpful Helpful
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I have faced this issue with kotak and hdfc..

*Called Hdfc bank and explained the issue..they reversed 3800rs charges almost immediately.

  • Called/mailed kotak..chased them for 10days..No use…they told me you have to pay the charges irrespective of whatever the issue is.. I have paid total amount and closed the card right away..
  • Choose your bank wisely
Trailblazer Trailblazer
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Onecard also owned by cred I think same ui

Deal Cadet Deal Cadet
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I doubt this.

Deal Cadet Deal Cadet
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I use IDFC First Bank and they consider the cashback and refunds as repayments.

Helpful Helpful
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+1 i too pay only remaining amount what ever it shows as balance in app after deducting refunds, cb and coins conversions.

Deal Cadet Deal Cadet
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DM me onecard referral

Commentator Commentator
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One card has referral? What are the benefits?

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Finance Ninja Finance Ninja
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@kannu.rider304 Any update from Onecard?

Deal Cadet Deal Cadet
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Not yet

Like Magnet Like Magnet
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What happened now
Did you get any solution?
@kannu.rider304

Deal Cadet Deal Cadet
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Got solution

Deal Cadet Deal Cadet
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Greetings from OneCard!

We tried reaching you on your registered mobile number but missed the opportunity to speak to you.

We are glad to inform you that we have successfully processed your interest waiver request. As a good will gesture and a One time exception we are refunding the interest of Rs. 958.99 and the accrued interest. Refunds will be considered in the current month’s statement that will be generated on 1st of the next month.

​We request you to make a payment of 1000 INR at the earliest so that we can proceed further the same.

You may expect the same before the due date. Thank you for being part of the OneCard family!

Disclaimer: Please note that we do not ask for any kind of OTP, CVV, Card or Account details.

Regards,
Abhik
Customer Experience Team
Team OneCard

Finance Ninja Finance Ninja
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How do we change the billing cycle in Onecard, is there any way to do it in-app?
@AppleFan @Fanil @Thunder766

Deal Subedar Deal Subedar
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Never found out. Try dropping a mail to grievances[@]fplabs[dot]tech describing why it’s important for you to change the billing cycle, if anyone could do it, it’s them.

Helpful Helpful
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try emailing them as mentioned by @Thunder766

Generous Generous
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why scam in title ?

replyuser
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