hlo mam recently I purchased some items from first cry of rupees 3571 on my credit card. then I convert emi of rupee 3571 after that I return one product of rupees 872 so I want to know that after reducing 872 rupees rest of amount 2699 can convert emi or not if not so 872 rupees is where to adjust because I purchase items of 2699 rupees so why I will pay 3571 rupees on emi