SBI NCEMI Cancellation query

56°
Deal Cadet
balugudidiot

Hi guys,

I have ordered a laptop from fk with sbi cc costed 30k including NCEMI discount of 1800.

Also Paid full amount to cc...yet transaction got converted into EMI.now upon calling cc to cancel the emi, unlike ICICI they r saying will be changed pre closure charges+Gst which equals to 900-1k.

So we can't cancel NCEMI in SBI???


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Post Emperor Post Emperor
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SBI POV : 

9683374ashish-chanchalani

Finance Mentor Finance Mentor
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Cancel emi and take whatever benefits remains. 

One or other day this party going stop. When lot of people call and cancel emi after each sale then sooner or later cc companies going to notice this unusual activity. 

Deal Cadet Deal Cadet
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Did you follow the same process explained here

https://ddime.i...Fa

Deal Cadet Deal Cadet
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No... didn't seen this.

Comrade Comrade
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On which day after transaction u paid the amount.. Wasany outstanding still remaining after the payment...?? 

Deal Cadet Deal Cadet
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Yeah i didn't play fully...

Deal Newbie Deal Newbie
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@balugudidiot what happened? Did they charge extra ? Update needed bro

Deal Cadet Deal Cadet
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I didn't cancelled, continued the emi...i think by the time of generating statement we should make the whole payment.

Wingman Wingman
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ju bbhkii7u

Deal Cadet Deal Cadet
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for SBI, pay you card in excess before making any ncemi transaction. this way your transaction will not be converted to emi & it will be adjusted in excess payment.

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