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  1. Asked: July 19, 2024In: SBI Cards

    My SBI credit card EMI purchase got canceled from the seller's side after the statement creation. What should I do now?

    Subhash
    Subhash
    Added an answer on September 17, 2024 at 3:13 pm

    Hey bro, no worries! Here’s what you can do if your SBI credit card EMI purchase got canceled after the statement was generated: Check with the seller: Confirm the cancellation with the seller. Find out why it was canceled and get a proper confirmation from them. Talk to SBI customer service: If theRead more

    Hey bro, no worries! Here’s what you can do if your SBI credit card EMI purchase got canceled after the statement was generated:

    Check with the seller: Confirm the cancellation with the seller. Find out why it was canceled and get a proper confirmation from them.

    Talk to SBI customer service: If the seller confirms, call SBI customer service. Give them the transaction details and explain what happened.

    Look for EMI adjustments: Keep an eye on your next credit card statement. Make sure the EMI for that canceled purchase gets adjusted or removed.

    Watch your statements: Check your credit card statements over the next few months to ensure no charges for that EMI are still showing up.

    Keep records: Save any emails or communication you had with the seller and SBI in case you need them later.

    That should sort things out!

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  2. Asked: July 19, 2024In: SBI Cards

    Why is Amazon giving 15 % cashback on SBI cards but crediting that cashback after 3 months? Isn't it a fraud?

    Subhash
    Subhash
    Added an answer on September 17, 2024 at 3:11 pm

    Hey bro, here's why Amazon is giving 15% cashback on SBI cards but crediting it after 3 months. It's not a fraud, just a way to manage things smoothly. Here’s the deal: Fraud Prevention: The delay helps Amazon and SBI ensure no fraudulent transactions are made. It’s a safeguard to make sure everythiRead more

    Hey bro, here’s why Amazon is giving 15% cashback on SBI cards but crediting it after 3 months. It’s not a fraud, just a way to manage things smoothly. Here’s the deal:

    Fraud Prevention: The delay helps Amazon and SBI ensure no fraudulent transactions are made. It’s a safeguard to make sure everything’s legit.

    Transaction Verification: They need time to check the purchases and confirm all the criteria are met.

    Financial Reconciliation: It takes time for Amazon and SBI to sync their systems and finalize the cashback, so everything is accurate.

    What You Can Do:
    Keep track of your purchase dates and make sure they fit the offer’s terms.
    After 3 months, the cashback should appear in your SBI card statement. If there’s an issue, contact their support.
    So, it’s just a process to keep things safe and smooth. You’ll get your cashback, just need to be a bit patient!

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  3. Asked: July 19, 2024In: SBI Cards

    Will I get reward points for adding money to a Paytm wallet from an SBI credit card?

    Subhash
    Subhash
    Added an answer on September 17, 2024 at 3:02 pm

    Hey bro, quick answer: No, you won’t get reward points for adding money to your Paytm wallet with an SBI credit card. Here’s why and what you can do instead: Why No Reward Points? When you load money into Paytm, SBI treats it as a wallet load or cash-like transaction, which doesn’t qualify for rewarRead more

    Hey bro, quick answer: No, you won’t get reward points for adding money to your Paytm wallet with an SBI credit card. Here’s why and what you can do instead:

    Why No Reward Points?
    When you load money into Paytm, SBI treats it as a wallet load or cash-like transaction, which doesn’t qualify for reward points. It’s the same as taking a cash advance, so banks won’t reward that.

    Watch Out for Fees
    Not only do you not get points, but you might also get hit with a cash advance fee—usually around 2.5% to 3%. Plus, interest might pile up if you don’t pay it off quickly.

    What to Do Instead?
    If you want points, use your SBI credit card directly for purchases on Paytm, instead of loading money into the wallet. This way, it’s treated like a regular purchase and you’ll get those points.

    Other Tips:
    Shop through SBI’s partner merchants to rack up more points.
    Focus on eligible spending categories like dining, groceries, or travel.
    Consider cashback cards if rewards aren’t cutting it for you.
    In short: adding money to Paytm wallet with an SBI credit card = no points, but using your card directly for purchases = points.

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  4. Asked: July 19, 2024In: SBI Cards

    What are the benefits of the SBI SimplyCLICK credit card?

    Subhash
    Subhash
    Added an answer on September 17, 2024 at 12:25 pm

    you’re looking into the SBI SimplyCLICK Credit Card and have a few questions. Here’s a straightforward breakdown of what this card offers and how it can be beneficial for you: Rewards Program Earn Points on Every Spend: You get 1 reward point for every Rs.100 you spend. Bonus Points for Partner StorRead more

    you’re looking into the SBI SimplyCLICK Credit Card and have a few questions. Here’s a straightforward breakdown of what this card offers and how it can be beneficial for you:

    Rewards Program
    Earn Points on Every Spend: You get 1 reward point for every Rs.100 you spend.
    Bonus Points for Partner Stores: Shop online at places like Cleartrip, Bookmyshow, Dominos, Yatra, Myntra, Netmeds, and Apollo 24/7 to earn 10 times the reward points.
    Extra Points for Online Purchases: You’ll also get 5 times the points for other online spends.

    Sign-Up Gift
    Amazon Gift Card: Pay the annual fee of Rs.499 plus taxes, and you’ll receive a Rs.500 gift card for Amazon.in.

    Milestone Rewards
    Spend Rs.1 Lakh: Get Cleartrip e-vouchers worth Rs.2,000.
    Spend Rs.2 Lakh: Earn another Rs.2,000 Cleartrip e-voucher.

    Annual Fee Waiver
    Fee Reversal: Spend Rs.1 lakh in a year, and your Rs.499 annual fee will be refunded in the next year.
    Contactless Payments
    Tap and Pay: Use the card’s contactless feature to make quick payments just by tapping it at retail terminals.

    Fuel Benefits
    Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions between Rs.500 and Rs.3,000.

    Worldwide Use
    Global Acceptance: The card is accepted at over 24 million outlets worldwide and 3.25 lakh in India.

    Free Add-On Cards
    Family Benefits: You can get free add-on cards for family members who are 18 or older.

    Cash Withdrawals
    Cash Access: Withdraw up to Rs.1 million globally using Visa or MasterCard.

    Utility Bill Payments
    Easy Bill Pay: Pay for utility bills like electricity, mobile, and telephone using the card.

    Balance Transfer
    Low-Interest Transfers: Move outstanding dues from other cards to this one at a lower interest rate.

    Flexipay Option
    EMI Facility: Convert purchases above Rs.2,500 into easy EMI payments.

    Easy Money Facility
    Draft Orders: Contact customer care to order a bank draft anytime you need.

    So, if you’re looking for a card that rewards your spending, offers great benefits, and provides flexibility, the SBI SimplyCLICK Card is a solid choice. Let me know if you have any other questions!

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  5. Asked: July 19, 2024In: Union Bank Credit Card

    How do I complain to Union Bank?

    kushal
    kushal
    Added an answer on September 17, 2024 at 12:11 pm

    Hey there! If you’re having trouble with Union Bank and need to file a complaint, don’t worry. I’ve got you covered with a simple, step-by-step guide to make things easier for you. 1. Methods to File a Complaint You’ve got a few options for getting your complaint heard: Online Complaint Form Go to URead more

    Hey there! If you’re having trouble with Union Bank and need to file a complaint, don’t worry. I’ve got you covered with a simple, step-by-step guide to make things easier for you.

    1. Methods to File a Complaint

    You’ve got a few options for getting your complaint heard:

    Online Complaint Form

    Go to Union Bank’s Website: Head over to the Union Bank website.
    Find the Form: Look for the “Grievance Redressal” section.
    Fill It Out: Enter your account details, describe the issue, and upload any necessary documents.
    Submit: Click “Submit” and you’ll get a reference number to track your complaint.
    Contact Union Bank Customer Care

    Call Them: Use these numbers:
    1800 22 2244 (for general questions)
    1800 208 2244 (for issues with internet or mobile banking)
    Be Ready: Have your account info and details about your issue ready for a quick resolution.
    Email the Grievance Cell

    Write an Email: Send your complaint to [email protected].
    Include Details: Make sure to add your account info, a clear description of the problem, and any supporting documents.
    Visit a Union Bank Branch

    Go to Your Local Branch: Drop by your nearest branch.
    Talk to Someone: Ask to speak with the branch manager or a customer service representative.
    Provide Details: Give them a written description of your complaint and any relevant documents.
    Get Acknowledgment: They’ll give you a reference number to track your complaint.
    2. Union Bank’s Grievance Redressal Process

    Here’s how Union Bank handles complaints:

    Level 1: Branch or Customer Care

    Resolution Time: They aim to resolve your issue within 7 working days.
    Level 2: Regional/Zonal Office

    Escalate If Needed: If it’s not resolved, you can escalate it to the Regional or Zonal Office.
    Resolution Time: They’ll try to resolve it within 10 working days.
    Level 3: Nodal Officer

    Still Unresolved?: Contact the Nodal Officer if your issue isn’t fixed yet.
    Resolution Time: Expect a response within 15 working days.
    Contact: Email [email protected].
    Level 4: Banking Ombudsman

    Last Resort: If you’re not satisfied after all these steps, you can contact the Banking Ombudsman.
    Eligibility: You can do this if your complaint hasn’t been resolved within 30 days or if you’re unhappy with the resolution.
    3. Information You’ll Need

    To make sure your complaint gets resolved quickly, have these details ready:

    Account Number: Your account or customer ID.
    Complaint Details: A clear description of the issue, including dates and any relevant transactions.
    Supporting Documents: Include receipts, emails, or alerts related to the issue.
    Contact Info: Provide your phone number and email address for follow-up.
    4. Tracking Your Complaint

    Once you’ve filed your complaint, you can track its status using:

    Online: Check the grievance redressal section on Union Bank’s website using your reference number.
    Customer Care: Call customer care and provide your reference number for updates.
    Branch: Visit the branch where you filed your complaint to get the latest status.

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  6. Asked: August 9, 2024In: HDFC Bank Credit Card

    how to activate hdfc credit card?

    Subhash
    Subhash
    Added an answer on August 9, 2024 at 12:41 pm

    If you want to activate an HDFC credit card, here's exactly what to do. There are various methods available so you can pick the one which best meets your needs. NetBanking Activation A fast and straightforward way to activate your HDFC credit card is with NetBanking. Just log into your HDFC NetBankiRead more

    If you want to activate an HDFC credit card, here’s exactly what to do. There are various methods available so you can pick the one which best meets your needs.

    NetBanking Activation
    A fast and straightforward way to activate your HDFC credit card is with NetBanking. Just log into your HDFC NetBanking account, navigate to the Credit Cards section, and find the option for activation of your card there. Just enter your card number, CVV code and expiry date before clicking “Confirm”, and your card should be activated instantly – providing added security as its linked directly with your login ID!

    Phone Banking Activation
    To activate your HDFC credit card by phone banking is also an option; just dial their customer care number, navigate through to their credit card section and request activation. They’ll need your card details and registered mobile number before activating it over the phone call. It’s an easy process – they’ll activate it while talking!

    ATM Activation
    For those who prefer more hands-on activation methods, HDFC ATM activation offers another convenient and safe solution. Just insert your card, select an activation option, enter your PIN and follow the prompts for activation – it’s quick, simple and secure – ideal if you prefer not using online services!

    HDFC Mobile Banking App Activation
    For those who enjoy using apps, HDFC’s Mobile Banking App is another fantastic solution. Simply download it and log in, head to ‘Credit Card’ section then follow these simple steps to activate your card from anywhere! It’s fast, simple and hassle free!

    SMS Activation
    Need something quick and easy? Simply text “ACTIVATE” from your registered mobile number to one of HDFC’s designated numbers to activate your card immediately – perfect when on-the-go! A confirmation message will arrive once it has been activated – ideal when traveling!

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  7. Asked: August 9, 2024In: HDFC Bank Credit Card

    how to check hdfc credit card balance?

    Subhash
    Subhash
    Added an answer on August 9, 2024 at 12:27 pm

    1. Checking Your HDFC Credit Card Balance via NetBanking It's simple and secure to quickly check your HDFC credit card balance via NetBanking portal. Simply visit HDFC Bank website, log in with Customer ID and password, navigate to Cards section where all linked credit cards will appear, select HDFCRead more

    1. Checking Your HDFC Credit Card Balance via NetBanking

    It’s simple and secure to quickly check your HDFC credit card balance via NetBanking portal. Simply visit HDFC Bank website, log in with Customer ID and password, navigate to Cards section where all linked credit cards will appear, select HDFC card to see current balance along with available credit limit; quickly manage account as you would normally, viewing recent transactions as well as information related to it all in just a few clicks!

    2. HDFC Mobile Banking App

    The HDFC Mobile Banking app offers an efficient way of keeping tabs on your credit card balance from any smartphone. Simply download and install it from either Google Play Store or Apple App Store, login with your NetBanking credentials, select your card in “Cards”, then “Balance.” Here, you will see both current balance and available credit limit, recent transactions and payment due dates all conveniently listed for easy viewing.

    3. SMS Banking for HDFC Credit Card Balance Check

    HDFC Bank offers an SMS banking service that makes checking your credit card balance on the go much simpler. Simply text “CCBAL” followed by your last four digits of your card number to 5676712 and within seconds, you will receive a response with both current balance and available credit limit information – making this method especially handy if you don’t have Internet access!

    4. HDFC Bank Customer Care

    For those who prefer speaking directly with a representative, HDFC Bank Customer Care is available 24-7 to help them check their credit card balance. Simply call from any registered mobile phone and follow the IVR prompts to authenticate yourself, before inquiring about your balance – one of their representatives will provide all the answers to any additional card-related inquiries that arise.

    5. ATM Balance Enquiry for HDFC Credit Cards

    You can check your HDFC Bank credit card balance quickly and conveniently at any of their ATMs by inserting your card, entering your PIN and selecting “Balance Enquiry” from the menu – your current balance and available credit limit will then appear onscreen for easy viewing. This method makes for convenient banking solutions when visiting an ATM for cash withdrawals or other banking needs.

    6. HDFC Bank Sends Monthly Email Statements

    HDFC Bank offers credit card holders monthly email statements which include a detailed breakdown of transactions, outstanding balance and available credit limit. By reviewing these regularly you can stay on top of your balance and manage finances more effectively – just ensure to open them securely to avoid phishing scams by verifying senders email address!

    7. Utilizing HDFC Bank’s Missed Call Service
    HDFC Bank offers a missed call service for checking your credit card balance, which entails giving a missed call to their number provided and receiving an SMS with information on both current balance and available credit limit. This method can be particularly helpful when there is no internet access or SMS banking services are not an option.

    8. HDFC Credit Card Balance Check via UPI Apps
    Once your HDFC credit card has been linked with one or more UPI apps like Google Pay or Paytm, checking its balance can be easily accomplished through them. Simply open up one of these UPI apps, navigate directly to its credit card section, select your HDFC card from there and it will display both its current balance and available credit limit – an approach which fits seamlessly with all digital payment activities involving UPI for convenience users who frequently utilize this method of payments.

    9. Through HDFC Bank’s Website Without Logging In

    HDFC Bank also allows its users to check their credit card balance without needing to log into its NetBanking portal. Simply visit their website, navigate to their Credit Card section and use Balance Enquiry option – entering credit card number and registered mobile number will trigger an OTP that once verified will display your balance on-screen.

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  8. Asked: July 19, 2024In: SBI Cards

    How to cancel a merchant EMI on an SBI credit card

    lalit718
    lalit718
    Added an answer on August 8, 2024 at 5:19 pm

    As only merchants have the authority to cancel an EMI contract, neither SBI or any other bank will intervene unless there is proven fraudulent activity on your card. Therefore, contact your merchant directly in order to request cancellation of your EMI; but beware that this process can take time andRead more

    As only merchants have the authority to cancel an EMI contract, neither SBI or any other bank will intervene unless there is proven fraudulent activity on your card. Therefore, contact your merchant directly in order to request cancellation of your EMI; but beware that this process can take time and incur extra charges; I find myself reluctant to opt for the EMI option due to this limitation.

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  9. Asked: July 19, 2024In: PNB Card

    What is the credit limit of Punjab National Bank (PNB) credit cards?

    kushal
    kushal
    Added an answer on August 8, 2024 at 5:10 pm

    PNB currently offers three distinct credit card products on their website: PNB Global offers three cards that offer distinctive benefits and annual fees: PNB Global Platinum Credit Card, Gold Card and Classic Card. Each has its own individual set of advantages. Banks typically base their decision reRead more

    PNB currently offers three distinct credit card products on their website:

    PNB Global offers three cards that offer distinctive benefits and annual fees: PNB Global Platinum Credit Card, Gold Card and Classic Card. Each has its own individual set of advantages.

    Banks typically base their decision regarding credit card applications on either your Fixed Deposit amount or annual income.

    Credit Card Limit Determined by Fixed Deposit: Usually, your credit limit will be set at 80% of its current value.

    Credit Card Limit Based on Annual Income: Your income plays an integral role in establishing your credit limit, usually set at 50% of annual earnings.

    However, other factors also play a vital role in determining your credit limit, including:

    CIBIL Score: A higher CIBIL Score will increase your credibility and, consequently, credit limit. Income Pattern: Stable income patterns could positively affect your credit limit. Job Profile: Your profession and job security will also be taken into consideration.

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  10. Asked: July 19, 2024In: PNB Card

    What's the eligibility to get a PNB master card?

    kushal
    kushal
    Added an answer on August 8, 2024 at 5:07 pm

    All individuals, except for those who are illiterate, can apply for the PNB Classic Card. Customers may visit any PNB branch to obtain their debit card. PNB has instructed its officials to restrict MasterCards only for customers conducting international transactions. To receive one, they must submitRead more

    All individuals, except for those who are illiterate, can apply for the PNB Classic Card.

    Customers may visit any PNB branch to obtain their debit card.

    PNB has instructed its officials to restrict MasterCards only for customers conducting international transactions. To receive one, they must submit a written request at their branch that clearly outlines why these international transactions need to take place.

    These instructions have been put in place to comply with Reserve Bank of India guidelines on reducing fraudulent international transactions, which has become an increasing problem for banks attempting to identify fraudsters.

    For the latest and most accurate information, it is wise to refer to official sources, as guidelines may have recently been revised.

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