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Chunkserve payment failed amount detected
I bought server yesterday on chunk server, but some how after the payment it returns "remote host error on chunkserve" not sure what was the issue. I have raised the ticket(it has been nearly 24hours opened the ticket, no response yet) worrying if they denied to provide refund not sure how to claim the amount ? 😔 I used debit card tough. Since i made international payment. In india public sector banks are terrible in offline(mostly noobs sitting in front of the system ask multiple questions 😔) .
@Chunkserve can you please help
Comments
Its sunday.
So, probably you should get reply on monday.
It'll most likely credit back in 2-3 days. But who the hell uses debit card for international transactions?
What is better than a debit card?
How else you settle in local currency?
Credit card is the safest option.
Why credit / debit card difference matters here?
Financial institutions handle them differently. Credit is more flexible.
-Easier to dispute.
-Faster returns.
-You have time to correct it if it gets compromised
Debit is less forgiving but cheaper to process.
-Account balance verification handshake both ways.
-Process to remove/add funds.
-Potentially bigger fees for currency changes
Indians uses debit card due to stigma relating credit card (it's a trap! Don't even think of using it!)
Most people in India do not hold a credit card. However, most people do have a debit card.
For students especially, obtaining a credit card is quite difficult in India.
I know the country well. Plenty options to do it safer. Use paypal. Borrow a credit card. Pay the other person.
Debit cards have 0 protection.
From my perspective, I would almost always use debit card for international transactions.
Case to case basis.
That's because most people failed to understand credit card's purpose: short-term credit, with fee as low as 0%. And my main rule is: "If total credit card usage >= total liquid asset, then don't use credit card". Instead people kept increasing credit line and accruing debt.
Mentally weak people has high utilization of credit card/BNPL limit, while financially stable people idle 90-99% of their limit.
I dont have control of using money and poor on financial handling so i avoid credit card and its a trap
Issue resolved got access to server thanks @Chunkserve
That's financially not accurate. it is just a perspective of how you manage your finance (credit/debit).
Congrats.. enjoy your new VPS.
The figurative remaining percentage may be inaccurate across the social strata. But, the principle remains. Higher utilization rate means higher chance of slipping to default. Once the banks saw your performance, they will give you more cards with higher limit. But, that doesn't affect my spending habit whatsoever. What kind of person would thought, "The bank gave me higher cc limit. Perfect time to purchases unnecessary things."?
You are focussing on a very niche section. Those cards will be blocked and penalties will kick in no time. But middle class and above, you generally see spending habit of around 60-70% from those people who uses credit card. This is true even from the service holders (who plays safe) due to flipkart, amazon giving huge discounts in credit card payment and they opt for EMI where the interest that will be borne will be nullify by the discounts that they are getting.
Others are using credit card (even if they can buy from cash) to build up credit score so that they can negotiate when they are taking a housing loan or a personal loan.
The financial landscape post COVID has changed drastically once banks started to offer more lifetime free credit card.
Debit cards also have block/unblock, transaction limit in India. I have these features available in my BOB Bank, Kotak811 and in Jupiter debit card! BOB Bank and SBI also have virtual cards available which you can get through their apps (but they are tied to your bank account, not like privacy focused ones)!!
SBI doesn't allow virtual cards anymore I think. I tried to create one but didn't allow me.
I see, I checked it few months back when I needed a card for vultr, it was working then. Maybe they have stopped now!
RBI (Reserve Bank of India) made lot of restrictions to indians not to consume lot of products outside india. If you did your account will be freezed with no excuse their is some FEMA act where it will allow indians to particular limit that too for education. You can do business with that. Only like corporate like google amazon have offices in india then only they will allow such transactions.
May be because Indian Govt. wants service providers to pay GST.