[Resolved]  Homeshop18 — Interest free EMIs - False claim

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I had purchased an Imedia Iphone through the Homeshop18 website by opting for their 0% Interest free EMI scheme using my Citibank credit card. Before making the payment, I made it a point to go through their website for any conditions on using this facility but could not find any. I then called up their customer care and spoke to an associate there who assured me that there would be no extra charges as they have a tie-up with Citibank, HDFC and ICICI banks. It is only after all this thorough cross-checking that I finally went ahead and made my payment.

Last month when I got my credit card statement, I noticed that I was charged interest on my EMI. I immediately contacted the customer care as well as sent a feedback through their website informing them of these extra charges. They asked me to send a scanned copy of my credit card statement which I did so immediately.

Today, after a month, I got a call from them informing me that my particular credit card does not have provisions for interest free EMI. I asked the lady where it was mentioned that only certain cards are eligible for this EMI facility. To this she accused me of not reading my credit card's terms and conditions. I then pointed out to her about the listing on Homeshop18 website regarding the EMIs (see snap shot below). Nowhere is there a mention of this false claim. Even their associate did not mention any such conditions to me.

I am truly appalled by such deceitful tactics employed by Homeshop18 to lure unsuspecting customers.

If anyone is planning to opt for interest free EMIs, please DO NOT fall for this trap.


_________________snap shot of Homeshop18 website_________________________________

Payment Options -> 3 EMI of Citibank (0% Interest and No additional charges)

For Citibank credit card holders, the value of the product bought can be paid in 3 equal monthly installments (EMI). This is interest free with no additional charges. The amount of the installment will be reflected in your next credit card statement.