HDFC Fuel Surcharge Reversal

One thing I have recently noticed regarding refunding of fuel surcharges, the extra amount that is taken from you when you pay for petrol/diesel at fuel pumps using your debit/credit card is this:

If you pay for it via HDFC credit card, then it takes away some amount, say x rupees. But after few days when the bank refunds you the amount it won’t be whole of that x rupees. The bank keeps a small amount from that for itself.

But when you pay using a HDFC debit card, the amount that you are charged is completely refunded back to you, to the very last paisa!

Now I don’t know the reasoning behind this, but this is correct atleast for the EasyShop Business Debit Card (MasterCard) that I got.

This photo is small and your profile picture will be less clear.

Facebook shows this warning message when you try to upload a 180/180px profile picture which is the recommended size.

By inspecting the image shown in the preview window you’ll notice it is stretched to 320px.

So the solution is to upload a 320/320px image, that works best.

HDFC Debit Card Transaction Dispute

easyshop_platinum_debit_cardAllow me to share my recent experience of a transaction dispute I had while using HDFC Bank Debit Card.

I purchased something of value Rs 3576/- and let the cashier swipe my card, they made a slight mistake, received a phone call on the landline telephone which was connected to the point-of-sale machine during payment & that somehow halted the process. As a result the print receipt was not generated. But I instantly got SMS confirmation of money being deducted from my account.

Now I have heard if the print receipt is not generated it does not count as a valid transaction so this seemed like a failed one but you can never be sure. But they let me take the goods in good faith. I left my contact details with them so that in case the payment fails I can come back & pay them.

An hour later after I have left the store I got a SMS saying the transaction has been reversed, meaning the merchant did not get paid. But when I checked my bank account online, the money was not back to me. Well that was confusing. I informed the merchant about this.

And then I registered a complaint with HDFC Customer Care. I received a complaint number. I was told to wait a few days. After 6 days I received an email clarifying the process. It said – the bank allows the merchant 16 days from the date of transaction to claim the payment. If no claim is made within that period then the amount will be credited back to my account after that.

I communicated the same to the store owner as well. They were not going to claim the payment. And then we waited.

And true to their words, HDFC sent the amount back to me after the end of 16 days. Next day I went back to the store & paid them.

Timeline of events:

Failed transaction date: 16th October
Complaint registered: 16th October
Received email clarifying the process: 22nd October
Received money back to my account: 1st November

So now you know if you’re in a similar situation then you just have to have patience and wait, atleast for 16 days.

Get more screen space on Mac

As a coder working on a laptop I can always use some more vertical screen space.

I just found out about this setting. You go to: System Preferences › General › Check ‘Automatically hide and show the menu bar’.


An extra row of space unlocked! In a few hours you won’t miss the menu bar, the same way as with the dock.

You do already show/hide your dock automatically don’t you?

iPhone 5s

iphone5sThanks to Amazon’s latest 5-day sale the iPhone 5s was within my budget & I grabbed one for Rs 17799/-.

Good to upgrade from my 4 year old iPhone 3gs.

More devices at my disposal to test responsive website development work.

macOS Sierra


So updated both our MacBook Pro & MacBook Air to macOS Sierra as soon as it was available. Will be discovering new features gradually over the weeks.

I have been collecting OSX installer files ever since I switched to Macs. Now my collection looks like this:


The trick to get these installer files is to go to “Applications” folder right after download is complete and find, copy the installer file to another spot on your computer, because as soon as installation is done this file gets deleted from Applications folder. It also comes in handy if you have multiple machines to update without repeated download.


Wow PayPal!

I never thought I will say this but I am loving me some PayPal right now! They deposited some money in my account with the following message:

Dear Merchant, we noticed that there was a small discrepancy in the calculation of your fee for PayPal services for a brief period of time. This difference is being credited to your PayPal ac.

The thing is, few months ago I had noticed on PayPal website about them offering slightly discounted merchant rate [from 4.4% to 3.9%] if your monthly sales volume was above a certain amount. I was eligible so I had applied for it. But I didn’t follow up after that to check what rate of fee I was being charged, because for a freelancer PayPal fee is just one of those things in life that you can not avoid, so best to accept, forget & move on.

Now it seems they might have continued with taking more fees from me for some time, they realized it after a few months, and today refunded me the extra charges taken. I am so glad that PayPal is cleaning up its act & trying to be more friendly towards us small business owners.

Emmet for Coda is available again

emmet_codaToday I was going through the Coda plugin repository and found out the coding help toolkit Emmet is again available for Coda. I am so happy!

I used to be a heavy user of Emmet back in the day when it was still called ZenCoding & was hosted on a Google Code page. I used to use it with TextMate first and then later with Coda. It was such a fine tool, helping me code HTML & CSS faster.

Then when Coda updated to a new version both of them became incompatible with each other. It broke my heart. I would check for an update on both of their sites every other month, but this incompatibility continued for years, which forced me to forget about it & lose all hopes of getting it back into my web development workflow ever again.

Well let’s just say today I have started believing in miracles once again. This is no less wonderful than getting your long lost first love back & they’re still into you!

iOS 10

iosUpdated my iPad (mini 4) to iOS 10 last night. Looks good. I don’t use much of the features it provides anyways, mostly use it for browser testing.

Security audit, getting burned by LastPass, moving away from Dropbox

I used to keep all my online account username/password details in a free account with LastPass, it worked pretty well, until last year one fine morning it stopped accepting my master password & I could not recover the account. As a result I had to reset a lot of web accounts over the period of few months & completely lost a few accounts.

And now with the recent news of Dropbox’s security being compromised, I started wondering what good are these online tools if they themselves are not safe, and can even lock me out of accessing my own data without any reason.

I had stopped installing Dropbox on my mobile long ago as I have a long history of losing my phones. For that matter I don’t have any useful data on my mobile except Contacts. My smart phone has always been kept as a dumb phone on purpose.

The only place I have Dropbox installed is on my laptop. And I used to live in it, with all my data inside the Dropbox folder.

But now I am taking matters into my own hands. Today I moved all my important stuff out of Dropbox, leaving only the Screenshots folder & folders shared with other Dropbox users which don’t have anything critical.

Now storing all mission critical data offline on the computer, doing daily backups to a 1TB time machine drive. Simple, very effective, easy to recover.