Credit card over limit charges of November - re...

Credit card over limit charges of November - reversal now?

64°
Pikachu
Deal Subedar
87
1054
42

Credit card over limit charges was taken for my axis my zone card on November -is it possible to made for reversal, if asked now June ?

I didn’t see statement. Cred analysis showed me recently.
Annual fees can be reversed in same month if threaten to close card. But this case happened long back. Possible ?

11 Comments  |  
9 Dimers
Pikachu
Deal Subedar
87
1054
42

It’s my first time over limit charge. And no history of late payment

7cf508ab656194f30c8f16d1706ada5b
Deal Cadet
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116
9

No harm in requesting.. Push for it

7cf508ab656194f30c8f16d1706ada5b
Deal Cadet
62
116
9

Say u didn’t rcv alert of exceeding limit or they shud have blocked txn if exceeded.. And request to reverse..

Large peace symbol
Deal Subedar
63
2074
23

Happened same , limit exceeded .
Total vasooli of 2000 including tax.
I am weak at cc terms ; so help me if you had any solution

104487632 buddha sitting on lotus cute buddha cartoon vector illustration isolated on white background
Deal Subedar
0
1491
33

Standard Chartered fails the transaction if we try to exceed the limit. Every bank should do the same.

Pikachu
Deal Subedar
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1054
42
Harry-Potter wrote:

@vickyVicky what is that cred analysis

‘Cred’ app. To pay credit card bills easily… that too can use debit cards, and earn rewards on debit cards. Along with that they are giving on average 1% casback on all credit cardbill payments…. PM for referal.
In that app, an analysis done for my card and it showed this fees.

Bal ganesh
Deal Lieutenant
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3868
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“..I didn’t see statement. …”
That is very dangerous…You must see, in fact, line by line scan for any rule changes…etc and also SMS notifications from Credit cards You should never miss reading them.
Everyone learns it at a cost.
I learnt it for around Rs2500 when BSNL LL suddenly changed free local calls(all n/w) to ONLY BSNL and there was a small box on the bill indicating this change and as usual looked at broadband tariff ignoring other details.

Missing
Deal Cadet
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426
17

Not possible to revert now, un less you are a super premium customer
Usually if you request in the same month you will get a refund.
I have got late payment charges, finance charges, annual fees all reversed however it should be done immediately after statement generation

Missing
Deal Cadet
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vickyVicky wrote:

‘Cred’ app. To pay credit card bills easily… that too can use debit cards, and earn rewards on debit cards. Along with that they are giving on average 1% casback on all credit cardbill payments…. PM for referal.
In that app, an analysis done for my card and it showed this fees.

are you sure about debit card points? I dnt get for payments via hdfc card

Missing
Deal Cadet
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638
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Expand
vickyVicky wrote:

‘Cred’ app. To pay credit card bills easily… that too can use debit cards, and earn rewards on debit cards. Along with that they are giving on average 1% casback on all credit cardbill payments…. PM for referal.
In that app, an analysis done for my card and it showed this fees.

I am unable to understand how to get the scratch card I have some 20k points
No such options are being shown to me

Missing