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:
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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.
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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 for further assistance.
Please let us know if you have any additional questions—we are happy to assist you!
