Slice Super Card or Uni 1/3rd Card – Who will give me these 7 features?
Basic Assumption: Both Slice Super Card and UNI card are
prepaid cards with a credit limit.
Technically they are not Cred Cards, but function as
credit cards.
I am looking forward to the below 7 features, to
enhance my user experience.
NF1) Let us the user decide if he/she want a lower limit
than the arrived limit
DE1) Say, the underwriting team of “SLICE SUPER
CARD” / Uni decides to grant me a limit of RS5,55,555/-. I am not comfortable
with such a high limit and would like to start off with a limit of Rs1,11,111/-
only. The modification option should be directly available in the App itself.
This way I will not be tempted to overspend and fall in a debt trap.
Of course, this may be a bad business decision for “SLICE
SUPER CARD” / Uni, but is customer friendly.
NF2) Increase the repayment channels. Please
engage with CRED and let users pay their billed amounts via CRED. Repayment
directly from the APP itself - UPI or NEFT or IMPS
DE2) The
repayment to the “SLICE SUPER CARD” / UNI prepaid cards are a major pain point.
As the Card BIN is of Prepaid card, many payment channels do not support the
same. As the user base increases, the complaints will amplify across social media.
“SLICE SUPER CARD” repayment period is 3 days from the
billing date. Hence, it becomes much more important for a seamless repayment
experience.
Hopefully, this will be sorted out soon.
NF3) Copy of Report shared to Credit Bureaus
DE3)
As these are prepaid cards, not sure as to what will be reported to Credit
Bureaus i.e sanctioned loan amount or Overdue amount (how will overdue amount
be calculated) or the billed amount. Hence, for transparency it will be great
if “SLICE SUPER CARD” / UNI share the credit reporting of the card holder as
and when submitted.
NF4) Add on Cards by carving limits
DE4) I
have a sanctioned limit of 6 digits, I would like to carve 4 digits out of the
same, and stand guarantee to my 18years + ward. This way my ward will learn the
joy of digital transactions. “SLICE SUPER CARD” / UNI can have a new business
stream. Also, my ward will be able to build a decent credit score.
NF5) BBPS option directly on the APP
DE5) Bill
Payment is a major recurring activity in individual’s life. It will be helpful
if the BBPS payment is directly integrated into the APP. This will encourage “SLICE SUPER CARD” / UNI
card holders to pay their BBPS Bills via their “SLICE SUPER CARD” / UNI cards
only, instead of doing transactions from other APPS
NF6) Carryover instalments with the minimum
interest charges
DE6) Transaction
Date 25/06/2021 INR12,000/- , card holder chooses 1/3rd as per the
below billing dates
Billing Date A) 01/07/2021 – Instalment 1 of INR4,000/-
Billing Date B) 06/08/2021 - Instalment 2 of INR4,000/-
Billing Date C) 11/09/2021 - Instalment 3 of INR4,000/-
Say, card holder wants to postpone Instalment 2 of
INR4,000/-
There should be an option to rollover the same, with
the additional cost informed upfront.
Of course, all card holders may not be eligible for the
rollover option.
NF7) Option to split last transactions made on
1 prior billing cycle – EXPLAIN IN DETIAL, Restore the limit, reversal of 1%
cashback
DE7) EG:
Billing Date A) 01/07/2021,
Billing Date B) 06/08/2021
Billing Date C) 11/09/2021
Card Holder makes a transaction of INR10,000/- on
10/07/2021 and prefers to pay in full, instead of the 1/3rd option.
He / She may be given the option to convert the
INR10,000/- transaction into a 1/3rd transaction up to 11/09/2021
billing date
If you want any new feature, please write to or,
If the
same is feasible, “SLICE SUPER CARD” or UNI Management team may make it live.
Unless,
you try, you cannot predict the outcome.
So, go
ahead,
UNI Contact Details: mobileadmin@uni.club, 080 – 68216821
“SLICE SUPER CARD” Contact Details: +91-8047096430, help@sliceit.com
Disclaimer: These are my personal views only. The
bottom line is Safe ePayments - Nothing more, Nothing Less
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