Direct Debit Request Terms And Conditions: Fill & Download for Free

To apply for sbi debit card without visiting branch, you need online banking.If you avail the internet banking facility, follow the below mentioned steps to apply for new ATM/Debit card through online.Important Information:-This facility enables you to apply for new State Bank ATM card online either by using OTP or profile password.Step-by-Step Process:-Login to OnlineSBI (https://retail.onlinesbi.com/retail/login.htm)Go to ‘e-Services’ tab.Click on ‘ATM Card Services’ link in the left panel.Five links i.e. ‘Block ATM Card’, ‘ATM Card Limit/Channel/Usage Change’, ‘ATM PIN Generation’, ‘New ATM Card Activation’ and ‘Request ATM/Debit Card’ will be displayed.Click on ‘Request ATM/Debit Card’ link.Select the mode; Using One Time Password or Using Profile Password.Using OTPIf you select the mode ‘Using One Time Password’, INB system will send an OTP on your registered mobile number.Enter the OTP.Click on ‘Submit’ button.Select Primary account.Select Secondary account.Enter the ‘Name on the Card’.Select the ‘type of card’ from the dropdown values.Please go through the terms and conditions and accept the terms and conditions by clicking on the box.Click on ‘Submit’ button.Confirm the details on the next page.Click on ‘Submit’ button.A success message “Congratulations ! your card request has been recorded. You will receive your debit card within 7-8 working days at your registered address” will be displayed on the screen.Using Profile PasswordSelect the mode ‘Profile Password’Enter your profile password.Click on ‘Submit’ button.Select Primary account.Select Secondary account.Enter the ‘Name on the Card’.Select the ‘Type of Card’ from the dropdown values.Accept the terms and conditions by clicking on the box.Click on ‘Submit’ button.Confirm the details on the next page.Click on ‘Submit’ button.A success message “Congratulations ! your card request has been recorded. You will receive your debit card within 7-8 working days at your registered address.”Note: – You will receive your card within 7 working days after submitting the application, directly by Speed post at your recorded address. Kindly collect your PIN from the card issuing branch after receipt of the card and carry your card / passbook as identity proof. You can also generate ATM PIN online using Internet Banking.Once you received your card block your old card.After blocking the card destroy it cause you can’t use it.

This happens to one of my customers.She used to pay her credit card dues on time. However, she never bothered to cross check her Credit Card statement. One month she happened to check her statement by chance and was stumped to see an inaccurate, expensive entry. Since she had not made any such transaction, she contacted her Credit Card issuer immediately. And thankfully she checked the statement before making the payment too.She is not an isolated case. There have been many instances when such cases have been reported – be it a fraudulent charge or a duplicate charge or mistakenly charged transaction. This is why we keep telling that you should always review your Credit Card statement without fail. This will make it easy to identify inconsistencies, bring it your issuer’s notice, and reverse the wrong charges.In the case of lost or stolen cards, make sure that you inform your Credit Card issuer at the earliest so that your account can be frozen to avoid any fraudulent transactionsHere’s a short list of the transactions that you can dispute and get a reversal:Any transaction that wasn’t authorized by you or anyone who has access to your card can be disputedAny fraudulent transactions made from your card can be reversedCharges on your card statement that do not match with the receipts you hold. For example, if you had made a transaction for Rs. 500 at the market, but your card was charged Rs. 1,000 by the merchant, then you can ask for a reversal of the extra chargeDuplicate charges can be disputed too. For instance, you bought a product online, but the merchant charged you twice for the same purchase, then you can raise a refund requestRefunds that have not been processed can be disputedIf you’ve made a transaction but cancelled within the cancellation period offered by the merchant, you can demand a reversal of the charged amountIf you’ve enabled auto-payments on your card and then cancelled them, your card isn’t supposed to be billed further. In case it still gets debited post cancellation, you can raise the issue and ask for a reversalATM withdrawals can be disputed if the amount dispensed didn’t match the amount entered, or if the ATM didn’t dispense money but your account was debited . Now that we know the different transactions that can be disputed for reversal of the deducted amount, let’s consider a few of the common scenarios and how to get your refund as quickly as possible in such situations:Online Transactions And RefundsBefore seeking refunds for cancelled orders, it is important to understand that each merchant website has its own terms and conditions for refunds. Some websites allow complete refunds of funds for all cancelled orders within a stipulated time period and no questions asked. And a few others do not return the funds as cash but give the users the option to use the funds to buy any other product of the same value from their website.Before buying goods from any online website, it is necessary to understand their terms and conditions when it comes to refunds and order cancellations. Cool?A refund usually takes about 7 to 14 working days to reflect.Cancellation Of Purchase Through Credit CardsUsers can cancel any Credit Card transaction for any purchase online or in brick-and-mortar stores. There are two options to cancel the transaction.The first one is direct cancellation of the order in which case the purchase made is considered to be null and void, and any payment is reversed to the account.The second method is the demand for a charge back. Charge back is a protection offered by Credit Card companies allowing users to cancel their purchase if they are unhappy with the product or services. In the case of a charge back request, the card issuer will reverse the amount billed on the Credit Card and not pay the same to the merchant.Charge back safeguards consumers’ interest for any faulty purchase, although claims must be filed within 180 days of the purchase date.Double Swiping Of Credit CardsOne of my costumer purchased some groceries using his Credit Card. The sales executive at the cash counter swiped her card, but the sale charge slip did not emerge from the swipe machine. She, on the other hand, got an SMS text alert on his phone.Unsure of whether the transaction had gone through or not, the sales executive swiped her card again even though he showed the SMS alert. After swiping the card again, another SMS text was received by her and a charge slip emerged from the swipe machine. This was clearly a case of malfunctioning of the POS machine, but she was charged twice.Double swiping of Credit Cards is quite common. A lot of users do not even realize they have been charged twice. If your card has been swiped twice, check with your bank on the transaction details of both purchases. The banks then forward the details to the merchant for reversal acceptance of one transaction. Some genuine merchants also offer cash reversal to their clients on the spot in case of double swiping of cards in order to help them save their time and effort for reversal.possible Options In Case Of Non-Reversal Of FundsIn case the online merchants or card companies fail to revert funds after multiple reminders, consumers have the option of approaching the consumer court.And if the merchant hesitates to refund the money, the consumer can approach a district forum court. In the case of online transactions, get in touch with the online credit specialist directly using their ‘Contact ’ page. You can also use their social media handles, and file a formal complaint. Most genuine online credit specialist try and resolve all consumer complaints at the earliest as any bad publicity can be detrimental to their business in the long run.I hope you’ve learnt a lot about credit Card transactions and reversal of funds, haven’t you? Get in touch with me Justin Johnson if you have any questions or comments on the same.Thanks.

They can make their own terms and conditions. But many a times, the restrictions on usage of mobikwik is not clearly mentioned in the FAQs. Below discussion is a pointer to this where inspite of multiple requests, support team is not answering the question on where in the FAQs they have mentioned that supercash cannot be used in transaction with a particular vendor.Why was I not able to use my super cash balance for the above transaction?# 7754616 Supercash29 Jan, 20181:23PMWhy was I not able to use my super cash balance for the above transaction?29 Jan, 2018, 1:23PM04 Feb, 2018, 4:28PMHi, any update regarding my query?30 Jan, 2018, 4:36PMI can see that you have done one adjustment to super cash balance, which I believe is in response to my above query. Please note that during last 2 days I have made 3 more transactions with NSDL PAN during last 2 days where the the entire amount has been directly debited from my main wallet. Please do the above adjustment for these transactions as well.31 Jan, 2018, 10:56PMHi, there is no update from you on the above. Please reply.02 Feb, 2018, 12:03AMDear User, To use super cash on NSDLPAN your minimum value of transaction should be 500 or above, This minimum transaction limit changes merchant to merchant.We request to please read all the T&Cs of the offer before proceeding any payment. Please note that you are not eligible for the consumption of super cash for the said transactions. Please refer the link for better clarification:- MobiKwik Offers, Wallet Discounts & Cashback Offer | MobiKwik.com Regards Team Mobikwik02 Feb, 2018, 1:39PMI have gone through your entire terms and conditions/ FAQs. I am not seeing anywhere you have mentioned that for using super cash on NSDLPAN the minimum transaction value should be Rs 500. Can you please help me to identify? Please send me a screen shot.02 Feb, 2018, 5:48PMDear User, Greetings from MobiKwik ! This is in reference to your concern regarding usage of Supercash for NSDLPAN. The SuperCash TnCs have been updated we request you to kindly go through these terms carefully. As per the updated TnCs, Your SuperCash balance on 10% can only be consumed on transactions worth Rs. 500/- or more for NSDLPAN. Also, in one transaction, you can either Earn new SuperCash or Use the existing SuperCash. The Earning of SuperCash is basis the specific terms & conditions of the campaign. We request you to refer the offer page for more information, Thanks Team MobiKwik!02 Feb, 2018, 6:04PMI have gone through your TNCs. I am not seeing anything like that. That's the reason I am asking you to share the screenshot.03 Feb, 2018, 11:38AMDear User, Greetings from MobiKwik! This is in reference to your concern regarding SuperCash. Please be informed that Supercash can be utilized in NSDLPAN on a transaction of INR 500 or more. Keep Using MobiKwik! Thanks Team MobiKwik!03 Feb, 2018, 1:13PMYou are repeating the same thing again and again without answering my question. My question is where in your FAQs/ TNCs you have mentioned this. You can't take this decision after I have completed the transaction. Please reply clearly.03 Feb, 2018, 2:15PMDear user, Greetings from MobiKwik! This is in reference to concern regarding Supercash not consumed on Merchant transaction for NSDLPAN. We Apologies for the inconvenience. We are offering you 50/- as a goodwill gesture for all the transaction made to NSDLPAN. Please be informed that supercash will not be utilized for the below 500/- transactions at NSDLPAN. Please confirm the same, so that we can process it further. Thanks for being a valuable Mobikwik customer. Regards Mobikwik Team03 Feb, 2018, 5:02PMThere are 3 transactions I had done on that day. Trust you are crediting Rs 150 to main wallet and not to super cash balance.03 Feb, 2018, 10:10PMif yes, please do so..03 Feb, 2018, 10:11PMDear user, Greetings from MobiKwik! This is in reference to concern regarding Supercash not consumed on Merchant transaction for NSDLPAN. We Apologies for the inconvenience. We are offering you 50/- as a goodwill gesture for all the transaction made to NSDLPAN. Please be informed that supercash will not be utilized for the below 500/- transactions at NSDLPAN. Please confirm the same, so that we can process it further. Thanks for being a valuable Mobikwik customer. Regards Mobikwik Team04 Feb, 2018, 8:09AMNot required. I am not begging. I am asking you for what is due to me as per your terms and conditions. Inspite of my repeated requests you have not told me where exactly in your terms you have mentioned this restriction.04 Feb, 2018, 11:19AMDear User, Greetings from MMobiKwik! Thank you for taking time to tell us about your experience with us. We would like to appreciate you for bringing this to our notice from the customer's perspective. We will definitely work towards enriching our system as per the shared views. As informed earlier, to utilize supercash on NSDLPAN the minimum transaction is 500/- Please visit our website to check the offer T&C's Thanks for your valuable feedback. Regards, Team MobiKwik04 Feb, 2018, 4:28PMThe fact that you are repeating the same thing again and again without answering my question proves that you don't have any answer. In other words it also means that you are actually cheating the customers. Let me also put the transcript of this chat in couple of social media platforms. I will also tag your big boss Mr Bipin Singh. Let everyone get mine and your perspective and take their call.04 Feb, 2018, 7:12PM