Card application

• What documents do I need to apply for the Qik EMI Card?
• Why am I unable to see Qik EMI Card offers?
• What do I do if I don't get the OTP via SMS for the Aadhaar confirmation?
• Why is my PAN card number not getting accepted?
• From which Financial Institution am I availing this Qik EMI Card facility?
• I have applied for the Qik EMI Card. What is the status?
• I am not able to complete my application for Qik EMI Card. What should I do?
• Why is my EMI card not generated even after completing all steps?
• Can I use VID instead of Aadhaar number?
• I have issues with E-Nach or auto debits, how can I pay my dues manually to avoid any penal charges?
• How can I reschedule the date & time for pick-up of documents.
• What should I do when my documents are not picked up on the scheduled date & time ?
• Why have I not received a call from the pick up agency yet?
• Why do I have to show my original documents?
• What is the process to cancel the Qik EMI Card application before card setup?
• What is e-NACH and for how long is it valid?
• Why can't I choose the e-NACH repayment amount for myself?
• What is the start date of the card and why am I being asked for it when I haven’t used the card yet?
• Why was my Qik EMI Card's application rejected?
• Why is my EMI card not generated even after completing all steps?

EMI Card Related

• Can I increase/ decrease the Qik EMI Card credit limit?
• What is the validity of my Qik EMI Card?
• Where can I see my transaction details?
• Where can I check the balance limit/ balance outstanding for my previous purchases?
• I wish to make another purchase. When will my Qik EMI Card credit limit be refreshed?
• What is the process to withdraw my Qik EMI Card application once the Card Setup is done?
• Where can I find the NOC or NDC of the loan disbursed against product purchased by Qik EMI card?
• Why has the outstanding balance been debited twice from my account?
• How can I temporarily block my Qik EMI Card?
• How can I clarify my CIBIL related queries?
• What is the process to foreclose/ terminate/ repay my entire loan?
• What happens in case of death or a serious medical condition of a customer?

Loan cancellation and refund

• How will the loan get adjusted if I return a product?
• When will the paid EMI amount be refunded to me?
• Will I be charged for loan cancellation if I return a product?
• Can I buy or replace another product against the same loan number?
• Will the processing fee be also refunded?

General Queries About the Product

• What is the Qik EMI Card product? How can I use the limit assigned to me?
• How much time does it take to get Qik EMI Card limits?
• If I have a pre-existing Qik EMI Card loan, what is the process to apply for a new one?
• Does applying multiple times affect my existing CIBIL score?
• Can I buy or replace another product using the Qik EMI Card ?
• Why am I being contacted by Tata Capital for a loan I have purchased from Tata Neu?
• Where can I find the list of offline stores where Qik EMI Card can be used ?
• Can I use NeuCoins at offline stores while doing transactions using my Qik EMI card?
• What is the interest rate on the Qik EMI Card?
• How do I take another loan from Tata Capital?
• How do I locate my nearest Tata Capital branch?
• What is Key Fact Statement & where can I see it and will I get it on email ?

Documents & Eligibility Related

• I am below the age of 18 years, can I apply for Qik EMI Card using the details of my guardians or parents?
• I don’t have any credit history, can I be eligible to avail Qik EMI Card limits?
• What are the eligibility criteria for Qik EMI Card?
• What documents do I need to apply for the Qik EMI Card?
• Why is my PAN card number not getting accepted?

Repayment Related

• What happens if am not able to pay the due amount?
• Do I have to make multiple repayments for each transaction that I do?
• Can I make a pre-payment with cash, while doing transactions using the Qik EMI card at offline stores?
• Can I change the EMI date?
• How can I change the EMI amount payable per month?
• How can I know the tenure of my loan?
• How do I check the latest outstanding amount of my loan?
• How can I clarify my collection call related queries?
• Why is my EMI status showing as unpaid when the amount has been deducted from my account?

Charges & Dispute Related

• How much time does it take to settle a disputed transaction?
• What can I do if I have a problem with the EMI bounce charges?
• What can I do if I have a problem with the legal charges?
• What can I do if I have a problem with the late payment charges?
• What are the different type charges and fees associated with the Qik EMI Card?
• What are the charges if I cancel the limits?
• Why have there been multiple deductions this month on my Qik EMI Card?

Transaction & Usage Related

• Is there any restriction on number transactions that I can do?
• What should I do, If an unsuccessful transaction is showing under debit balance for Qik EMI Card ?
• Can I increase or decrease the credit Qik EMI Card limit?
• Where can I see the transaction details of my Qik EMI card?
• How can I use the Qik EMI Card during payments?
• Why can't I see the Qik EMI Card option for all products?
• Can I select another tenure which is not mentioned in the given list?
• What is the process to delete or revoke my consent for data stored for Qik EMI Card?
• What is loan cooling off period & process to withdraw my loan application during cooling off period?

All about Qik EMI Card

• What is the Qik EMI Card and how can I use it?
• What are the charges for a Qik EMI Card?
• What can I buy with my Qik EMI Card?
• Why are my Aadhaar details needed?
• Can I apply for the Qik EMI Card if I am less than 18 years old?
• Can I apply for the Qik EMI Card with my guardian's or parent's details if I'm less than 18 years old?
• I am currently unemployed/a student. Can I still apply for a Qik EMI Card?
• I already have a Qik EMI Card. How do I get another one?
• Why am I being charged a processing fee?
• Does applying multiple times affect my CIBIL score?
• What repayment options are available after I use my Qik EMI Card limit?
• How do I contact Nodal officer of Tata Capital Financial Services ?
• From which Financial Institution am I availing this Qik EMI Card facility?
• How do I contact Nodal officer of Tata Neu’s Financial Services division ?