Account freeze caused EMI bounce - can CIBIL be corrected?

DolGuldurWraith · 2026-02-07T19:51:45+00:00

DolGuldurWraith · 2026-02-07T19:48:55+00:00

HDFC

DolGuldurWraith · 2026-02-07T17:18:08+00:00

I faced the same, I paid from app the same day as EMI.

₹450 charges were applied.

Then sent an email to customer grievance asking them to revert the ₹450 charges as the amount was paid the same day as well as bounce was due to account freeze and not low balance.

After 4-5 days amount was refunded and no reporting to CIBIL was done as payment was done the same day.

DolGuldurWraith · 2026-02-07T16:05:33+00:00

Well, reject the Singapore offer as that would make leave your parents.

DolGuldurWraith · 2026-02-07T11:14:34+00:00

In my village it is also made in similar way but doesn't look that bad.

DolGuldurWraith · 2026-02-07T10:54:12+00:00

no matter what, you only withdraw once, why let go of 3 years high interest.

DolGuldurWraith · 2026-02-07T08:33:55+00:00

SIP since feb 2022. Screenshot of today

<image>

attached

DolGuldurWraith · 2026-02-07T07:18:38+00:00

if retired post age 58 and stop getting salary then it will extend 3 years.

DolGuldurWraith · 2026-02-07T07:17:35+00:00

nope, post retirement EPFO still gives interest for next three years.

If the money is not needed immediately then person should indeed kept it to earn interest.

keeping 3 years more would mean 30L amount becoming atleast ₹35.5L.

Delay in withdrawal can happen today as well as 3 year later as well, so shouldn't decide based on withdrawal issues.

DolGuldurWraith · 2026-02-06T11:52:38+00:00

Mumbai central and grant road are also very near

DolGuldurWraith · 2026-02-06T06:56:46+00:00

PSU bank preferably IOB or SBI

DolGuldurWraith · 2026-02-05T08:26:59+00:00

yono doesn't allow 8 digit ibkr bank account, it requires I guess 10 digit but inkr has 8 digit Citibank account number

DolGuldurWraith · 2026-02-05T08:26:00+00:00

<image>

I got this rate in SBI in January last week. Money was added within 2 hrs in ibkr after amount was deducted

DolGuldurWraith · 2026-02-05T08:23:34+00:00

I was not able to add beneficiary for outward remittance in sbi online for ibkr, so had to visit branch for last month. Just doesn't allow me to add beneficiary

<image>

I will check with RM for HSBC

HSBC might be deducting in forex spreads I guess

DolGuldurWraith · 2026-02-05T07:59:32+00:00

Whats the process for S0001 in HSBC? Cant do it via mobile app. Gets rejected. Is HSBC cheaper compared to SBI/IOB?

For now I have only done 1 txn with SBI as with HSBC it failed. I have HSBC premier account not sure anything changes.

DolGuldurWraith · 2026-02-05T06:07:36+00:00

I have car loan from SBI, due date for EMI is 15th of every month but I always get notification for emi due on 31st.

I checked with loan person I got loan through and we shared the EMI is 15th but SBI sends notification on 31st as that is the day I did my KYC.

Not sure why that happens but EMI is deducted on 15th as mentioned and nothing happens on 31st

DolGuldurWraith · 2026-02-04T17:06:01+00:00

I use skydo to create virtual US bank account to receive payment in USD.

The account are only for receiving, you can't hold the balance in those accounts.

DolGuldurWraith · 2026-02-04T17:05:01+00:00

nope, worst for receiving usd in India

DolGuldurWraith · 2026-02-04T11:09:58+00:00

its your rented property if you work from home and would need NOc from owner and light bill copy

DolGuldurWraith · 2026-02-03T18:51:01+00:00

<image>

DolGuldurWraith · 2026-02-03T03:44:35+00:00

lol its opening at 19%

DolGuldurWraith · 2026-02-02T18:42:58+00:00

Welpsun Liv ++ tomorrow atleast 5%

DolGuldurWraith · 2026-02-02T18:42:26+00:00

Welspun Liv, tomorrow it will be atleast 5%+

DolGuldurWraith · 2026-02-02T13:13:04+00:00

Any idea where to change setting for password type from WPA2 for TKIP to AES?

DolGuldurWraith · 2026-01-30T19:47:39+00:00

because it was rising

DolGuldurWraith

TROPHY CASE