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भारत में क्रेडिट कार्ड उपयोगकर्ता अब अपने बकाए का अधिक भुगतान नहीं कर पाएंगे
ग्राहकों को क्रेडिट कार्ड की बकाया राशि से अधिक भुगतान करने से रोकने के लिए बैंकों ने अपने एप्लिकेशन में गार्ड लगा दिए हैं
भारतीय बैंक अब क्रेडिट कार्ड उपयोगकर्ताओं को उनकी बकाया राशि से अधिक भुगतान करने की अनुमति नहीं दे रहे हैं। और जिन मामलों में अधिक भुगतान किया गया है, वे अतिरिक्त राशि वापस कर रहे हैं, जैसा कि टाइम्स ऑफ इंडिया (टीओआई) ने शुक्रवार 15 सितंबर 2023 को रिपोर्ट किया है।
इसका मुख्य कारण यह है कि बैंक मनी लॉन्ड्रिंग और धोखाधड़ी को लेकर चिंतित हैं। टीओआई की रिपोर्ट में एक बैंक अधिकारी के हवाले से कहा गया है कि ऐसे मामले सामने आए हैं जहां ग्राहकों के क्रेडिट कार्ड में जमा अतिरिक्त राशि का इस्तेमाल हैकिंग का उपयोग करके अंतरराष्ट्रीय लेनदेन के लिए किया गया है।
ग्राहकों को अधिक भुगतान करने से रोकने के लिए बैंकों ने अपने एप्लिकेशन में गार्ड लगा दिए हैं। इसे अन्य बैंकों के माध्यम से पैसा भेजने की अनुमति है, लेकिन उन मामलों में, कार्ड जारी करने वाले बैंक एक सप्ताह के भीतर अधिशेष धन वापस कर देते हैं।
रिपोर्ट में कहा गया है कि एचडीएफसी बैंक, एसबीआई कार्ड और एक्सिस बैंक अपने ग्राहकों को अपने ऐप पर बकाया राशि से अधिक भुगतान करने की अनुमति नहीं देते हैं। हालाँकि, ICICI बैंक के कुछ ग्राहकों के हवाले से कहा गया है कि उन्हें अधिक भुगतान करने की अनुमति है।
एचडीएफसी बैंक के एक प्रवक्ता के हवाले से यह भी कहा गया कि ग्राहक अपने अतिरिक्त धन को क्रेडिट कार्ड में नहीं रख सकते क्योंकि यह एक उधार उत्पाद है, बचत खाता नहीं।
उन्होंने कहा, “एक हालिया दिशानिर्देश भी है जो बैंकों को एक निश्चित अवधि के भीतर कार्ड पर अतिरिक्त क्रेडिट शेष वापस करने के लिए कहता है। क्रेडिट कार्ड एक प्रीपेड कार्ड उत्पाद नहीं है जो उपकरण की लोडिंग और उपयोग की अनुमति देता है।”
ग्राहक आमतौर पर निकट भविष्य में उच्च मूल्य की खरीदारी या विदेश यात्रा की प्रत्याशा में अपने क्रेडिट कार्ड की बकाया राशि का अधिक भुगतान कर देते हैं। हो सकता है कि अब उनके पास कम विकल्प बचे हों।
Indian banks are no longer allowing credit card users to pay more than their outstanding amount. And in the cases where the overpayment has been done, they are refunding the excess amount, The Times of India (TOI) reported on Friday Sep15 2023.
The main reason for this is that the banks are concerned about money laundering and fraud. A bank executive quoted in the TOI report said that there have been cases where the excess amount parked in the customer’s credit cards has been used for international transactions using hacking.
The banks have put guards in their applications to prevent customers from overpaying. It is allowed to send money through other banks, but in those cases, the card-issuing banks return the surplus funds within a week.
The report said that HDFC Bank, SBI Card and Axis Bank do not allow their customers to pay above the outstanding amount on their apps. However, some customers of ICICI Bank were quoted as saying they are allowed to overpay.
A spokesperson of HDFC Bank was also quoted as saying that customers cannot park their excess funds in credit cards because it is a lending product, not a savings account.
“There is also a recent guideline that asks banks to refund excess credit balances on cards within a certain period. A credit card is not a prepaid card product to permit loading and utilisation of the instrument,” they said.
Customers usually overpay their credit card dues in anticipation of a higher-value purchase or overseas travel in the near future. They might be left with fewer options now.
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