My experience(Awareness) -Money stealing via Credit card help in DD
Some users in DD are stealing people money by saying they are helping people in need of credit card offer. I experienced this .
How they steal your money
1. They will respond saying they will help and ask you to transfer money directly to credit card upfront.
2. They will chose Amazon mostly for help as Amazon don't show EMI in billing receipt(invoice).
3. They will buy on No cost EMI and does not reveal you that they are buying on EMI. They will say They brought on single payment.
4. They will cancel EMI in 7-14 days and Enjoy EMI interest given by Amazon/Flipkart. In my case stolen money was around 8000 rupees for 98000 transaction.
If anyone earn this kind of money should atleast inform buyer and share interest amount. This is nothing but stealing money .
If you don't want to help also fine but don't do this kind of things. I am just spreading awareness.
There are many good people as well in DD who helped me(Thanks to all genuine people) , Just saying how few are stealing your money this way.
I also own few credit cards and never stolen money like this via help.
Look for comments of this whatsapp gang who will come after me. There are whatapp groups created by DD users and these farudsters are part of them. I have not shared this for some months.
ALL THOSE SUPPORTERS OF THIS CHEATING CAN TAKE HELP FROM ME ON 10% NO COST EMI COMMISION HERE SPECIALLY USING SBI CREDIT CARD EMI TRICK . I AM DOING ETHICAL BUSINESS UNLIKE WHO NEVER REVEALED TILL I SAW NO COST EMI INVOICE POST DELIVERY
https://www.desidime.com/discussions/new-busine...
These are the steps followed by cheaters
1. You post for credit card help
2. People respond saying they can help you.
3. They will show what is the discount on normal single payment via whatapp and ask you to pay upfront in credit card account. They try to buy in their FK/Amazon account.
4. They will buy in No cost EMI instead without informing you and gets additional 10% discount on your money/transaction
5. you will receive product and if No cost EMI mentioned in invoice you will come to know that it is hidden agenda of help. They mostly buy on amazon to avoid this reveal as Amazon won't show No cost EMI benefit.
6. SBI credit card EMI gets auto cancelled if full payment is availablee on card within 7 days. No risk involved . Remember you already paid payment to card directly.
Title is misleading. i thought some fraud happened.
You already agreed on price and paid it and you are getting your 10% discount.
Now what the owner of cc does is immaterial to you ..
If u really want emi discount aswell u should have asked before.
On a fun note..
here people are talking on emi cancellation tricks on sbi. on other side sbi is not even giving me limit worthy enough to convert to emi 
..
When you don't have the credit card and yet you want the discount, Fk should create a thread on you saying that Surya bought the phone however not with his CC and bought using someone ele's.
Cheating! Cheating !Cheating!
When someone is cancelling NCEMI, there is a risk of blocking the card and forfeiting rewards or whatsoever.
Jab profit mein hissa chahiye fir jab pulis utha kar legi tab bhi hissa loge ?
There are high chances , SBI might forfeit the NCEMI benefits.
You agreed to the price and you got your 10% discount. Whatever tricks the card owner employs in addition to that 10% discount to earn more rewards/profit is at their own risk and is solely theirs. If you lay a claim on that additional profit made by the card owner, it is only fair that you should also share in the losses if the bank decides to penalize the card owner for making such transaction for a stranger only to earn profits/rewards. Will you agree to it?
You got your agreed upon 10% discount. Be happy or get your own card.
@suryadimer while trading with him, did you ask for credit card cashback/reward sharing?
Dude never informed his personal interests acted like genuine person. I found out seeing invoice post delivery.
When I asked this dude saying -> This is common thing for him , He does always in amazon help as Amazon does not show EMI in invoice.
In DD there are many good people too who I helped and who helped me. not everyone this kind!!.
First of all , it is awareness post.
doing any business in the name of help with someone else money is cheating
If the person revealed this hidden agenda upfront and I agreed to it then it is not cheating.
I didn't understood, how they save by cancelling nocost emi. Won't the product get cancelled as they cancelled the payment or do they do a single payment later?
And why do they receive interest from Amazon or Flipkart? and Really 8000 on 98000 transaction. Please help me understand.
These are the steps
1. You post for credit card help
2. People respond saying they can help you.
3. They will show what is the discount on normal single payment via whatapp and ask you to pay upfront in credit card account. They try to buy in their FK/Amazon account.
4. They will buy in No cost EMI instead without informing you and gets additional 10% discount on your money/transaction
5. you will receive product and if No cost EMI mentioned in invoice you will come to know that it is hidden agenda of help. They mostly buy on amazon to avoid this reveal as Amazon won't show No cost EMI benefit.
6. SBI credit card EMI gets auto cancelled if full payment is availablee on card within 7 days. No risk involved . Remember you already amde payment to card directly.
An open note to all, Such trading is not allowed in forum.
Credit Cards and Debit cards giveaway/sharing for purchase of product/offer is not allowed
Ref - https://www.desidime.com/tradings/new-rules-reg...
If you are doing it then its at your own risk.
How it's stealing a money? That amount was never yours. And, that person is not liable for sharing the profit at all.
Whoever is doing such practice, are risking their own Card cancellation 🤣
You got your 10%, they got the No Cost EMI part. Win-Win for both.
This way, someone in future will say, the one who is doing help is asking for the upfront payment where as they pays the CC bill after the 48 days. They must share the 40 days savings bank account interest 🤔😬🥴
You agreed to a price.
You paid that price.
What the card owner does later, without actually affecting you, is none of your business is it? They helped you, they're getting a reward and you paid a price you're happy with.
An open note to all, Such trading is not allowed in forum.
Credit Cards and Debit cards giveaway/sharing for purchase of product/offer is not allowed
Ref - https://www.desidime.com/tradings/new-rules-reg...
If you are doing it then its at your own risk.