I have to take back my recommendation as today I got an email that we are closing your account, no explanation etc...
No new transactions either for 3 weeks, luckily I have alternatives, but now I need to open one more somewhere for safety.
This is the issue with EMIs in general, simpler to open an account, but they close them willy-nilly Maybe it's because I have only a couple of transactions a month, so they were not making much money out of me (this is my︀ guess), but still they are stupid You can have something like if you have less︁ than X transactions a month you need to pay 15$ or whatever