# Dcb bank scc discussion **URL:** \ **Category:** Help\ **Created:** [November 8, 2025, 2:07pm UTC](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874 "2025-11-08T14:07:40Z")\ **Posts on this page:** 4\ **Page:** 2
**Author:** ![Nandishwarachary\_R](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/nandishwarachary_r/32/38536_2.png) [@Nandishwarachary\_R](https://community.goniyo.com/u/Nandishwarachary_R)\ **Post date:** [October 1, 2026, 10:21am UTC](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874/21 "2026-10-01T10:21:31Z")
Hi @sharathsmohite23 Thank you for reaching out to us. We sincerely apologize for the confusion and inconvenience caused regarding the credit card payment terms and grace period. We tried calling you to address your concerns directly, but were unable to connect as your number does not seem to have an active incoming call facility. Please allow us to clarify your queries: 1. **Grace Period & Payment Due Date:** The total interest-free credit period can extend up to 45 days (calculated from the start of your billing cycle to your payment due date). However, once your monthly bill/statement is generated, you get a 15-day window to make the repayment. The representative was referring to the maximum total interest-free cycle, whereas the 15-day timeframe reflects your actual repayment window post bill generation. 2. **Payment via Lien/Security Deposit:** The lien amount acts as security against your credit card limit. To understand how adjusting your bill against the credit lien works in detail and to get step-by-step guidance, we request you to connect with us via our 24/7 in-app live chat support for an immediate resolution. You can also reach out directly to DCB Bank Customer Care at [customercare@dcbbank.com](mailto:customercare@dcbbank.com) for further assistance. Please let us know if you have any additional questions—we are happy to assist you! ---
**Author:** ![Havish\_Bychapur](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/havish_bychapur/32/40510_2.png) [@Havish\_Bychapur](https://community.goniyo.com/u/Havish_Bychapur)\ **Post date:** [October 24, 2026, 9:15am UTC](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874/22 "2026-10-24T09:15:43Z")
Hi Niyo team! Hi All! Just joined the forum, and lovely to be here. I applied for a DCB Credit Card two days ago, and unlike the advertisement I did not get my credit card details as soon as it was approved. I thought it may take some hours, but that didn’t help. Been talking to customer support who keep moving the waiting goal post from 24-48 hrs instead of actually solving the problem or sharing what’s the problem. This is extremely frustrating, because I turned to this card in a time of need, as I was traveling abroad and didn’t have a credit card. If everything has worked as advertised, I’d have been a great proponent for this, but now, I am so sure. Can anyone help with this? ---
**Author:** ![Sushma\_Sri\_Papiseti](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/sushma_sri_papiseti/32/40235_2.png) [@Sushma\_Sri\_Papiseti](https://community.goniyo.com/u/Sushma_Sri_Papiseti)\ **Post date:** [October 24, 2026, 10:31am UTC](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874/23 "2026-10-24T10:31:00Z")
Hi @Havish_Bychapur , [Welcome to the Niyo Community!]( [Welcome to the Niyo Community!](https://community.goniyo.com/t/welcome-to-the-niyo-community/16635) ) We sincerely regret any inconvenience this may have caused. Please allow us some time to review your concern thoroughly and work towards a resolution. We truly appreciate your patience and will get back to you with an update at the earliest. Just a quick note to let you know that the Niyo community is more than a place to get help with your queries. You can stay up-to-date with all the latest announcements from Niyo, and chat about anything Niyo- or travel-related—whether it’s your Niyo card, Niyo services, or any other travel topics. Plus, it’s the perfect spot to connect with fellow travelers! You can ask for advice on travel itineraries, visa info, tips and tricks, flight bookings, and so much more. And don’t forget to explore the Travel with Niyo category for even more travel content! \*We’re always here if you need anything. ---
**Author:** ![Sushma\_Sri\_Papiseti](https://sea1.discourse-cdn.com/flex021/user_avatar/community.goniyo.com/sushma_sri_papiseti/32/40235_2.png) [@Sushma\_Sri\_Papiseti](https://community.goniyo.com/u/Sushma_Sri_Papiseti)\ **Post date:** [October 24, 2026, 10:42am UTC](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874/24 "2026-10-24T10:42:06Z")
Hi @Havish_Bychapur , We sincerely apologize for the frustration and inconvenience this delay has caused, especially with your upcoming international travel. We understand how critical it is to have your card ready in time, and we regret that your experience with support did not meet expectations. To help us investigate and resolve this, could you please share a screenshot of your DCB Credit Card dashboard from the app and confirm the following: - Digital Card Visibility: Are your digital card details (card number, expiry, CVV) visible on the DCB Credit Card page? - Card Options: On that same screen, do you see options to ‘Set PIN’ or ‘Order Physical Card’? **Action Required (If Available)** If the option to ‘Order Physical Card’ is visible on your screen, please follow these steps right away: Tap on Order Physical Card. Enter and confirm your preferred delivery address. Place and confirm the order. Please share a screenshot or let us know what you see on your screen. Once we have this detail, we will prioritize expediting this for you. [Previous page](https://community.goniyo.com/t/dcb-bank-scc-discussion/28874.md?page=1)