Frequently asked questions
Frequently asked questions
Got questions? We've got answers. Find everything you need to know here.
Got questions? We've got answers. Find everything you need to know here.
Got questions? We've got answers. Find everything you need to know here.
What is ShopSe?
ShopSe facilitates purchases on Instant No Cost EMIs using your credit/debit cards. It's completely digital with no documentation required, offering some of the best No-Cost EMI options available in the market. (getshopse.com)
How does Credit Card EMI work?
You can avail EMI using your credit cards. The entire purchase amount gets blocked on your card at the time of purchase, and the bank converts the transaction into EMIs as per your selected plan within 5-7 working days. The EMIs will be billed in your monthly credit card statements.
What does No Cost EMI mean?
No Cost EMI means the interest charged by the bank is provided as an upfront discount to you. The total amount you pay to the bank, including interest, will be equal to the price of the product.
How long does it take for the EMI conversion?
EMI conversion is subject to approval from your bank and usually takes 5-7 days. For any further delays, please contact your bank. (getshopse.com)
Can the EMI conversion of my transaction be declined?
Yes, in rare cases, the EMI conversion may be declined by your bank due to reasons such as:(getshopse.com) The card does not support EMI transactions. You are using a corporate/business card. The selected tenure is not applicable for the purchase.(getshopse.com) Please reach out to your bank for further details. (getshopse.com)
How will I pay my EMIs back?
Your EMIs will be part of your monthly credit card statement. You can continue paying for your credit card bills as you normally do.
My transaction is successful. When is my first EMI due?
Your first EMI will reflect in your next statement after making the purchase.
What if I forget or fail to pay my EMI on time?
If you do not pay your credit card bill on time, your card may get blocked. The bank will also apply additional charges for late fees. This will impact your bureau score negatively; hence, it is advised to make timely payments of your credit card dues.
I am having issues with the order delivery. Whom should I contact?
You should contact the store from where you made the purchase. If the issue is still not resolved, you can call ShopSe at 080 6980 9292 or write to care@getshopse.com.
Are there any additional charges if I do not repay on time?
Yes. The bank will charge additional penalties in case the repayment is not made on time.
How do I contact my bank?
Here are the customer care contact numbers for various banks: Axis Bank: 1860 419 5555 HDFC Bank: 1800 425 4332 ICICI Bank: 1860 120 7777 Kotak Mahindra Bank: 1860 266 2666 RBL Bank: 022 7119 0900 Standard Chartered: 1800 345 1000 State Bank of India: 1860 180 1290
Bank called about my EMI conversion. Is it normal? Is it not done?
It usually takes 5-7 working days to convert any transaction into EMI. During this period, your transaction will be seen as full and convertible on your statement. The bank’s EMI conversion team calls up to take your consent for converting it to an EMI. GetShopse ShopSe wants to clarify that your EMI is tagged for conversion by default. Please do not provide your consent to convert to those calls as that EMI is not No Cost EMI. The bank will charge you their standard interest rates, not what ShopSe has offered you.
My credit card was charged the full EMI. What should I do?
This can happen if the bill got generated within 5-7 days of the transaction before it could be converted to EMI. In this case, once the EMI conversion happens, your bill amount will reduce. You will be required to pay only the EMI amount and not the total transaction amount. GetShopse If your EMI has still not converted, please reach out to us at care@getshopse.com with a copy of your statement.
How do I contact the ShopSe team?
You can call ShopSe at 080 6980 9292 or email care@getshopse.com. They will get in touch with you within 24 hours.
My EMI is showing full in statement? Has it not converted?
The EMI is initially charged in full on any of the cards. The bank takes 5 to 7 working days to convert any transaction to EMI.
I was told no interest would be charged, but I see interest. Why?
No, No Cost Interest is offered to you as a discount upfront; that is why your invoiced amount is lower than your transaction amount. Please validate it against the amount charged against your card.
Is the GST charged on the entire loan amount?
No, the GST is charged only on the processing fee, if any, and the interest component of your EMI. Your EMI amount otherwise is inclusive of every other amount.
Can I foreclose my EMI?
Yes, foreclosure can be done. GetShopse Foreclosure can only be done through your bank. You may approach the bank with your request, and they shall be able to help you with foreclosure procedures.
Are there any charges that I will have to bear for foreclosure?
ShopSe does not charge for cancellation or foreclosure. However, bank charges may apply. You need to check with your respective bank for the same.
What is ShopSe?
ShopSe facilitates purchases on Instant No Cost EMIs using your credit/debit cards. It's completely digital with no documentation required, offering some of the best No-Cost EMI options available in the market. (getshopse.com)
How does Credit Card EMI work?
You can avail EMI using your credit cards. The entire purchase amount gets blocked on your card at the time of purchase, and the bank converts the transaction into EMIs as per your selected plan within 5-7 working days. The EMIs will be billed in your monthly credit card statements.
What does No Cost EMI mean?
No Cost EMI means the interest charged by the bank is provided as an upfront discount to you. The total amount you pay to the bank, including interest, will be equal to the price of the product.
How long does it take for the EMI conversion?
EMI conversion is subject to approval from your bank and usually takes 5-7 days. For any further delays, please contact your bank. (getshopse.com)
Can the EMI conversion of my transaction be declined?
Yes, in rare cases, the EMI conversion may be declined by your bank due to reasons such as:(getshopse.com) The card does not support EMI transactions. You are using a corporate/business card. The selected tenure is not applicable for the purchase.(getshopse.com) Please reach out to your bank for further details. (getshopse.com)
How will I pay my EMIs back?
Your EMIs will be part of your monthly credit card statement. You can continue paying for your credit card bills as you normally do.
My transaction is successful. When is my first EMI due?
Your first EMI will reflect in your next statement after making the purchase.
What if I forget or fail to pay my EMI on time?
If you do not pay your credit card bill on time, your card may get blocked. The bank will also apply additional charges for late fees. This will impact your bureau score negatively; hence, it is advised to make timely payments of your credit card dues.
I am having issues with the order delivery. Whom should I contact?
You should contact the store from where you made the purchase. If the issue is still not resolved, you can call ShopSe at 080 6980 9292 or write to care@getshopse.com.
Are there any additional charges if I do not repay on time?
Yes. The bank will charge additional penalties in case the repayment is not made on time.
How do I contact my bank?
Here are the customer care contact numbers for various banks: Axis Bank: 1860 419 5555 HDFC Bank: 1800 425 4332 ICICI Bank: 1860 120 7777 Kotak Mahindra Bank: 1860 266 2666 RBL Bank: 022 7119 0900 Standard Chartered: 1800 345 1000 State Bank of India: 1860 180 1290
Bank called about my EMI conversion. Is it normal? Is it not done?
It usually takes 5-7 working days to convert any transaction into EMI. During this period, your transaction will be seen as full and convertible on your statement. The bank’s EMI conversion team calls up to take your consent for converting it to an EMI. GetShopse ShopSe wants to clarify that your EMI is tagged for conversion by default. Please do not provide your consent to convert to those calls as that EMI is not No Cost EMI. The bank will charge you their standard interest rates, not what ShopSe has offered you.
My credit card was charged the full EMI. What should I do?
This can happen if the bill got generated within 5-7 days of the transaction before it could be converted to EMI. In this case, once the EMI conversion happens, your bill amount will reduce. You will be required to pay only the EMI amount and not the total transaction amount. GetShopse If your EMI has still not converted, please reach out to us at care@getshopse.com with a copy of your statement.
How do I contact the ShopSe team?
You can call ShopSe at 080 6980 9292 or email care@getshopse.com. They will get in touch with you within 24 hours.
My EMI is showing full in statement? Has it not converted?
The EMI is initially charged in full on any of the cards. The bank takes 5 to 7 working days to convert any transaction to EMI.
I was told no interest would be charged, but I see interest. Why?
No, No Cost Interest is offered to you as a discount upfront; that is why your invoiced amount is lower than your transaction amount. Please validate it against the amount charged against your card.
Is the GST charged on the entire loan amount?
No, the GST is charged only on the processing fee, if any, and the interest component of your EMI. Your EMI amount otherwise is inclusive of every other amount.
Can I foreclose my EMI?
Yes, foreclosure can be done. GetShopse Foreclosure can only be done through your bank. You may approach the bank with your request, and they shall be able to help you with foreclosure procedures.
Are there any charges that I will have to bear for foreclosure?
ShopSe does not charge for cancellation or foreclosure. However, bank charges may apply. You need to check with your respective bank for the same.
What is ShopSe?
ShopSe facilitates purchases on Instant No Cost EMIs using your credit/debit cards. It's completely digital with no documentation required, offering some of the best No-Cost EMI options available in the market. (getshopse.com)
How does Credit Card EMI work?
You can avail EMI using your credit cards. The entire purchase amount gets blocked on your card at the time of purchase, and the bank converts the transaction into EMIs as per your selected plan within 5-7 working days. The EMIs will be billed in your monthly credit card statements.
What does No Cost EMI mean?
No Cost EMI means the interest charged by the bank is provided as an upfront discount to you. The total amount you pay to the bank, including interest, will be equal to the price of the product.
How long does it take for the EMI conversion?
EMI conversion is subject to approval from your bank and usually takes 5-7 days. For any further delays, please contact your bank. (getshopse.com)
Can the EMI conversion of my transaction be declined?
Yes, in rare cases, the EMI conversion may be declined by your bank due to reasons such as:(getshopse.com) The card does not support EMI transactions. You are using a corporate/business card. The selected tenure is not applicable for the purchase.(getshopse.com) Please reach out to your bank for further details. (getshopse.com)
How will I pay my EMIs back?
Your EMIs will be part of your monthly credit card statement. You can continue paying for your credit card bills as you normally do.
My transaction is successful. When is my first EMI due?
Your first EMI will reflect in your next statement after making the purchase.
What if I forget or fail to pay my EMI on time?
If you do not pay your credit card bill on time, your card may get blocked. The bank will also apply additional charges for late fees. This will impact your bureau score negatively; hence, it is advised to make timely payments of your credit card dues.
I am having issues with the order delivery. Whom should I contact?
You should contact the store from where you made the purchase. If the issue is still not resolved, you can call ShopSe at 080 6980 9292 or write to care@getshopse.com.
Are there any additional charges if I do not repay on time?
Yes. The bank will charge additional penalties in case the repayment is not made on time.
How do I contact my bank?
Here are the customer care contact numbers for various banks: Axis Bank: 1860 419 5555 HDFC Bank: 1800 425 4332 ICICI Bank: 1860 120 7777 Kotak Mahindra Bank: 1860 266 2666 RBL Bank: 022 7119 0900 Standard Chartered: 1800 345 1000 State Bank of India: 1860 180 1290
Bank called about my EMI conversion. Is it normal? Is it not done?
It usually takes 5-7 working days to convert any transaction into EMI. During this period, your transaction will be seen as full and convertible on your statement. The bank’s EMI conversion team calls up to take your consent for converting it to an EMI. GetShopse ShopSe wants to clarify that your EMI is tagged for conversion by default. Please do not provide your consent to convert to those calls as that EMI is not No Cost EMI. The bank will charge you their standard interest rates, not what ShopSe has offered you.
My credit card was charged the full EMI. What should I do?
This can happen if the bill got generated within 5-7 days of the transaction before it could be converted to EMI. In this case, once the EMI conversion happens, your bill amount will reduce. You will be required to pay only the EMI amount and not the total transaction amount. GetShopse If your EMI has still not converted, please reach out to us at care@getshopse.com with a copy of your statement.
How do I contact the ShopSe team?
You can call ShopSe at 080 6980 9292 or email care@getshopse.com. They will get in touch with you within 24 hours.
My EMI is showing full in statement? Has it not converted?
The EMI is initially charged in full on any of the cards. The bank takes 5 to 7 working days to convert any transaction to EMI.
I was told no interest would be charged, but I see interest. Why?
No, No Cost Interest is offered to you as a discount upfront; that is why your invoiced amount is lower than your transaction amount. Please validate it against the amount charged against your card.
Is the GST charged on the entire loan amount?
No, the GST is charged only on the processing fee, if any, and the interest component of your EMI. Your EMI amount otherwise is inclusive of every other amount.
Can I foreclose my EMI?
Yes, foreclosure can be done. GetShopse Foreclosure can only be done through your bank. You may approach the bank with your request, and they shall be able to help you with foreclosure procedures.
Are there any charges that I will have to bear for foreclosure?
ShopSe does not charge for cancellation or foreclosure. However, bank charges may apply. You need to check with your respective bank for the same.