All About Windows: News & Discussions


#226
SankarNarayanan

SankarNarayanan

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

appus said:
I know dear. No CC will give 3% interest for an year. it is 36% for the balance amount (if you pay the minimum due).
I said, I just paid interest of 1300 for 6 months. That is for 61000Rs. That is done by calling bank.

What my question was, if you are charged 3% monthly interest for EMIs, why people will call up the bank and ask for EMIs? Even if you dont convert to EMIs, they charge the same amount 3% (36% annual interest) right ?

Normally they charge lesser interest if you convert to EMIs. Flipkart EMI may be cheaper as there is only processing fee and no interest !

When you call your bank , please ask "What is the benefit if i convert to emi's if you are charging the same interest"

And, In my case - the total interest paid for 6 months are 1300 ! Approximately 220RS per month came extra for 6 months
Sorry for going Off Topic
Click to expand...
Lets discuss this in a separate thread if you want. But from my 3 years of experience with HDFC credit cards and online retailers like Flipkart and Ebay the online stores charge 200-300rs for coverting to 6 emi at 0% interest wile HDFC bank covets it at an additinal expense of 1500-2000 with 2-3% interest.

Regards,
Sankar
 
#227
appus

appus

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

Update :
L620 stocks not yet there at HS18. I was expecting to get it by today as i am traveling out for few days. They called up and told me that the shipment may not happen immediately.
So, cancelled the order. It all started from Sankar's post gifting on festival. Even i thought of gifting it to my lady love (wife) [glasses]. If i do not get it today, purpose is defeated.

Will gift something else.

@sankar,
I always got much lesser Rate Of Interest when ever i converted to EMIs by calling up the Customer Care. It is costlier than ebay/flipkart as they give 0% interest. But is much lesser(almost 50% less) than the annual interest (36%) or monthly interest (3%). If you say interest is 3% even after conversion, what is the point in converting to EMIs ? Is not that simple?

From icici bank website
Fees & Charges
Lower interest rate than the revolving interest rate you would normally pay on your credit card.
Convert your transaction into EMIs at interest rates as low as 18 % per annum
Click to expand...
(If you have premium/platinum card, ROI will be even cheaper)

I never used HDFC. Using ICICI credit card for 8 years. Before that, I used Chase, Wellsfargo and Bank of America. Anyways, i am limiting the discussion about CreditCard as this thread not meant for that.
 
#228
SankarNarayanan

SankarNarayanan

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

appus said:
Update :
L620 stocks not yet there at HS18. I was expecting to get it by today as i am traveling out for few days. They called up and told me that the shipment may not happen immediately.
So, cancelled the order. It all started from Sankar's post gifting on festival. Even i thought of gifting it to my lady love (wife) [glasses]. If i do not get it today, purpose is defeated.

Will gift something else.

@sankar,
I always got much lesser Rate Of Interest when ever i converted to EMIs by calling up the Customer Care. It is costlier than ebay/flipkart as they give 0% interest. But is much lesser(almost 50% less) than the annual interest (36%) or monthly interest (3%). If you say interest is 3% even after conversion, what is the point in converting to EMIs ? Is not that simple?

From icici bank website
(If you have premium/platinum card, ROI will be even cheaper)

I never used HDFC. Using ICICI credit card for 8 years. Before that, I used Chase, Wellsfargo and Bank of America. Anyways, i am limiting the discussion about CreditCard as this thread not meant for that.
Click to expand...
How about L520? Have they launched L520? I think launch date is fixed on April 12th. Why don't you gift your wife L520? Doesn't it look better?

Regards,
Sankar
 
#229
carfreak

carfreak

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

^^ One of my friend had pre-booked L520 with a dealer and he already got possession of it. He paid @10.5k I guess.

Btw, my colleague bought a L620 from Univercel and got Original Nokia Lumia portable back up charger free [roll]
 
#230
SankarNarayanan

SankarNarayanan

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

carfreak said:
^^ One of my friend had pre-booked L520 with a dealer and he already got possession of it. He paid @10.5k I guess.
[roll]
Click to expand...
Have they launched L520 in India? Many online stores have pre-order options but i guess delivery will start only by april end. But how did you friend manage to get hold of L50[confused]

Regards,
Sankar
 
#231
carfreak

carfreak

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

Yeah, it was a news for me as well. He stays in Dehradun and managed to get hold of one. Initially I thought he was kidding [;)]
 
#233
appus

appus

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

HS18 says delivered in 8-9 business days (for last few days). So, it is not the month end. Flipkart also says (2nd week of april). May be they are playing safe to reach stock/sending on time because of huge orders

@Sankar
4" looks much bigger compared to 3.8". 620 looks more curved than squared 520. And the plastic used on back cover is cheap in 520. And, if the price difference is only less than 2K for all these (including clear black/NFC), why not 620. And, She took lot of time to get adjusted to a current 3.2" (HTC Explorer). (Again, if it was for me, i would have chosen a 4" over 3.8") [glasses]
 
#234
SankarNarayanan

SankarNarayanan

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

appus said:
HS18 says delivered in 8-9 business days (for last few days). So, it is not the month end. Flipkart also says (2nd week of april). May be they are playing safe to reach stock/sending on time because of huge orders

@Sankar
4" looks much bigger compared to 3.8". 620 looks more curved than squared 520. And the plastic used on back cover is cheap in 520. And, if the price difference is only less than 2K for all these (including clear black/NFC), why not 620. And, She took lot of time to get adjusted to a current 3.2" (HTC Explorer). (Again, if it was for me, i would have chosen a 4" over 3.8") [glasses]
Click to expand...
The debate goes on in my mind. Display is way better in L520. Also in my opinion L520 looks cool compared to curved L620. My thoughts are about cyan L620 whichin my opinion looks hot.[:)]

Regards,
Sankar
 
#235
carfreak

carfreak

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

Guys, heard there is 'storage check' update in latest firmware update (1308). Did any one try installing the same?
 
#238
nitin_k

nitin_k

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

SankarNarayanan said:
Poor rating for the seller[sad]. Only 89%.

Regards,
Sankar
Click to expand...
where are you looking
Seller information
gtronixindia ( 89)
94.7% Positive feedback

he listed them again NOKIA LUMIA 720

edit : the deal is nice with
★★★HURRY STRAIGHT AWAY 7.5% DISCOUNT... ★7.5% Discount Code WEEKEND013★★★
above discount code valid till limited time period

+
PAY ON E.M.I Option for selected Credit Card Users (3months / 6months***** approx 2750/- per month only )

NOTE: ITS NOT IMPORTED - ITS NOKIA INDIA PRODUCT - WITH 1-Year NOKIA INDIA WARRANTY - NOT UNLOCKED/TAMPERED - SEALED PACKED - 100% GENUINE
 
Last edited:
#239
Superbad

Superbad

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

89 is the transaction score i guess and not the percentage of positive feedback.
 
#240
SankarNarayanan

SankarNarayanan

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Re: Nokia Lumia Series Smartphones Discussions and Experiences

nitin_k said:
where are you looking
Seller information
gtronixindia ( 89)
94.7% Positive feedback

he listed them again NOKIA LUMIA 720

edit : the deal is nice with
★★★HURRY STRAIGHT AWAY 7.5% DISCOUNT... ★7.5% Discount Code WEEKEND013★★★
above discount code valid till limited time period

+
PAY ON E.M.I Option for selected Credit Card Users (3months / 6months***** approx 2750/- per month only )

NOTE: ITS NOT IMPORTED - ITS NOKIA INDIA PRODUCT - WITH 1-Year NOKIA INDIA WARRANTY - NOT UNLOCKED/TAMPERED - SEALED PACKED - 100% GENUINE
Click to expand...
I meant the transaction score which is low. Always buy from sellers who have crossed a transaction score of atleast 500 so that you can be almost sure of the seller. This is what i generally do and had good dealing in ebay till now.[:)]

Regards,
Sankar
 
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