hi @SuryaK.inc i got my virtual card two days is that so my international transactions are not working
Hi @Rifai_Deen,
We completely understand your concern, and we apologize for the decline that you are facing. We have sent you a DM, please share the error screenshot over there. We will also get in touch with you via the shared contact number. Appreciate your patience.
Hi @Rifai_Deen,
Thanks for your time over the call. As discussed, your concern regarding the declined transaction is being closely monitored and has already been escalated under Ticket ID: 186426. We’re actively coordinating with SBM Bank and will get back to you as soon as we receive an update. We truly appreciate your patience and cooperation. 
i have another doubt let me ask that in mail format Subject: Urgent Clarification on Niyo SBM Secured Credit Card Usage for Sequential Online Purchases
Dear Niyo SBM Customer Support Team,
I hope this email finds you well. I am writing to seek urgent clarification regarding the use of my secured credit card (backed by a ₹15,000 fixed deposit) for immediate, sequential online purchases. I plan to make these purchases within the next 2–3 days and want to ensure I fully understand the cash flow and usage mechanics to avoid any issues.
Here’s my understanding of the process:
I have created a ₹15,000 fixed deposit, which acts as my credit limit for the secured credit card.
I intend to purchase the following three courses in rapid succession, repaying each bill immediately after purchase to refresh my credit limit:
Alt Academy (~₹15,000)
Save My Exams (~₹6,000)
Noteful (~₹10,000)
✅ My understanding is that the fixed deposit itself is not spent for these purchases—it is only locked as collateral.
✅ I will need to have the total cost of these three purchases (₹31,000) available in my bank account to repay each bill immediately.
✅ Therefore, the total cash in hand I need at once is ₹15,000 (locked FD) + ₹31,000 (rolling repayments) = ₹46,000.
I would like to confirm the following points to ensure my understanding is correct:
Is my calculation of needing ₹46,000 total in hand (₹15,000 locked FD + ₹31,000 rolling repayments) accurate for this sequential, immediate repayment method?
Does the credit limit indeed refresh instantly after each bill is paid, allowing me to make the next purchase on the same day?
Are there any additional hidden charges (international transaction fees, processing fees, or GST) I need to consider beyond the stated prices of these purchases?
Will the fixed deposit amount remain untouched and not be used for repayments or purchases directly?
Are there any daily transaction limits, number of transactions limits, or other operational caps that might prevent me from completing these three purchases back-to-back in a single day?
Could there be any delay in the credit limit reset after a bill repayment that might affect my ability to make the next purchase in the same day?
Lastly, is there anything else I might be overlooking or misunderstanding about how secured credit cards work in this sequential repayment scenario?
I sincerely appreciate your prompt response, as I plan to complete these transactions within the next 2–3 days.
Thank you for your support in clarifying this matter and helping me ensure a smooth and efficient use of my secured credit card.
Best regards,
Rifaideen J S
Hey @Rifai_Deen
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.
Hi @Rifai_Deen,
Thanks for your confirmation over the call. As per your request, we’ll arrange a follow-up call shortly to assist you further with your inquiries. Please feel free to reach out here in case you need any additional support in the meantime.
Hey @Rifai_Deen
We truly appreciate your time on the call. We hope all your concerns were addressed to your satisfaction. Please feel free to reach out if you need any further assistance!
Hi @dushyantkinha,
We tried reaching you over call but couldn’t connect. Thank you for your continued patience. We’re glad to inform you that the issue with your international transaction has been resolved. You may try making a transaction now. It’d be helpful if you could confirm here once it goes through successfully.
