Preclosure charges added on HDFC MoneyBack after 8 months

[Justin Thomas]

I bought a Samsung phone on EMI with my HDFC Moneyback Card. The EMI started from Feb 24 and after 5 EMI's I applied for preclosure. I received an email with the final amount to be paid with preclosure amount zero mentioned, which was also communicated to me on call with the customer care team. I cleared the amount on July 24. Now in this month 14th April, 2025 statement, after 8 months they have applied preclosure charges.

I emailed on "customerservices.card@hdfcbank.com" with the proof email. Now they are saying are investigating on the same and revert back by 5th May, 25. My statement due date is 4th May, 2025. I reply again asking them to give me confirmation that no addition charges will be added to me for not paying before due date, as the only due amount is the preclosure charges which is being investigated by them. For which they haven't given any confirmation. I am concerned if CIBIL will get affect if I don't pay on due date

Please guide what I should do.

 

[El Chapo]

I bought a Samsung phone on EMI with my HDFC Moneyback Card. The EMI started from Feb 24 and after 5 EMI's I applied for preclosure. I received an email with the final amount to be paid with preclosure amount zero mentioned, which was also communicated to me on call with the customer care team. I cleared the amount on July 24. Now in this month 14th April, 2025 statement, after 8 months they have applied preclosure charges.

I emailed on "customerservices.card@hdfcbank.com" with the proof email. Now they are saying are investigating on the same and revert back by 5th May, 25. My statement due date is 4th May, 2025. I reply again asking them to give me confirmation that no addition charges will be added to me for not paying before due date, as the only due amount is the preclosure charges which is being investigated by them. For which they haven't given any confirmation. I am concerned if CIBIL will get affect if I don't pay on due date

Please guide what I should do.

I would advise you to pay the due amount for now until the issue is resolved. This way, your CIBIL score won't be affected. Once the issue is resolved, you will receive a refund.

 

[TaxWiser]

I bought a Samsung phone on EMI with my HDFC Moneyback Card. The EMI started from Feb 24 and after 5 EMI's I applied for preclosure. I received an email with the final amount to be paid with preclosure amount zero mentioned, which was also communicated to me on call with the customer care team. I cleared the amount on July 24. Now in this month 14th April, 2025 statement, after 8 months they have applied preclosure charges.

I emailed on "customerservices.card@hdfcbank.com" with the proof email. Now they are saying are investigating on the same and revert back by 5th May, 25. My statement due date is 4th May, 2025. I reply again asking them to give me confirmation that no addition charges will be added to me for not paying before due date, as the only due amount is the preclosure charges which is being investigated by them. For which they haven't given any confirmation. I am concerned if CIBIL will get affect if I don't pay on due date

Please guide what I should do.

I’d recommend paying the TAD before its due date. HDFC will adjust the extra amount in your next billing cycle seamlessly!

Make sure you provide all necessary evidence supporting your accusations to HDFC CC Customer Service Team.

 

[Deepak Singh Dhurwey]

Make your heading clear like preclosure charges on EMI not on card directly.