Pathetic Service of SBI Cars. Review on SBI Visa Credit Card

Dear Readers,

I am here with a caution for you all.

I had applied for a Cred824it card at the insistence of the representative of SBI Cred824it Cards and received a Master card of SBI Cards subsequently.

However before receipt of the card they sent me the bill towards aishwaryasingh23ment of annual fees and I had refused to make aishwaryasingh23ment on the ground that till such time the card was not in my possession.

Subsequently when I received the card, after explaining the matter to the representative of their customer care service I immediately made the aishwaryasingh23ment through online mode the annual fee as advised by the customer care executive as she had assured that the late aishwaryasingh23ment charge would be reversed on the basis of my request.

Much to my purturbances, from next month onward I started receiving bills showing late aishwaryasingh23ment charge and then I wrote to the email address of the SBI Card Customer care and lastly they reversed a portion of the late aishwaryasingh23ment fee only in the month of and as per their written request, I paid the requisite leftover amount through online mode.

Surprisingly they despite my several requests did not unblock and activate my card and when contacted the customer care executive bluntly informed that my card could not be activated and sarcastically advised me to throw away the card after cutting into pieces.

My friends, I have paid Rs 570+Rs 57+Rs 463 totalling Rs. 1090 for no fault of mine and thereafter the SBI Cards authority did not activate and unblock the card and behaved with me ruthlessly.

I am penning it down for kind information of all the respected readers of this review so that they are aware of the situation prevailing at SBI Cards.

It is also to note that I could never use this card at any PoS and the transactions were denied to my utter agony and disrespect.

I however use two Cred824it cards issued to me by Standard Chartered Bank, one Cred824it card each issued to me by HDFC Bank, CITI Bank, Indusind Bank and ICICI bank.

So I request you to kindly think twice before getting into the trap being used by SBI Cards.

I am just putting up the copies of emails sent by me and replies received thereto only to

impress upon you about the authenticity of my complaint.

[EXT: Re: Interaction Id- 1-4082903568 Overdue aishwaryasingh23ment shown by you against SBI card number xxxx xxxx xxxx 7109

Inbox

x

feedback@sbicard.com

May 15

to me

15/05/2016

Dear Mr. Indrajit Ghosh,

Thank you for writing to SBI Cards.

This is with reference to your communication dated 12/05/2016 regarding your SBI card account.

We truly value you as our privileged customer and regret the inconvenience cause to you in the matter address to us.

SBI Card Status Related: We wish to inform you that your SBI card is inactive for usage.

Charges Reversal And Account Zeroisation Related: We have taken the note of your request regarding finance and late fee charges reversal of Rs.2548 plus service tax for which your reference number is 1-8733504295 and the same is under consideration.

We would be intimating you shortly on the status of the same.

Incase of any query, would request you to reply at feedback@sbicard.com using the same subject line or contact the SBI Card helpline at 1860 180 1290(toll), 39 02 02 02(prefix local STD code) or 1800 180 1290(toll free). IVR & Emergency Services on helpline are available 24 hours and Customer Service representatives are available from Monday to Saturday between 8am to 8pm.

If you are not satisfied with the response, you can write to Nodal Officer, Customer Service at Nodalofficer@sbicard.com using the same subject line. You will receive a response within 8 working days.

Meanwhile, request you to avail our self- service options - IVR, Website, Mobile App & our Simply SMS Service.

Yours sincerely,

Neetu Joshi - Customer Service

[THREAD ID:1-1VIUSK0]

-Original Message-

From: ighosh8@gmail.com

Sent: 12/5/2016 05:04:34 PM

To:

Subject: EXT: Re: Interaction Id- 1-4082903568 Overdue aishwaryasingh23ment shown by you against SBI card number xxxx xxxx xxxx 7109

Dear Sir,

Interaction Id- 1-4082903568 Overdue aishwaryasingh23ment shown by you against SBI card number xxxx xxxx xxxx 7109

Reference is made to my trailing mail and your reply thereto dated 08.12.2015 assuring me that you would look into the matter of reversing the late aishwaryasingh23ment charge accrued on the annual fee which had been charged by you before I had received your Cred824it card and though I have paid your annual fee of Rs 570/- as advised your customer care executive, it is regretted that no action has yet been taken by you.

Rather you are advising me to aishwaryasingh23 the amount time and again instead of redressal of my grievances.

Under the circumstances I am constrained to return the SBI Cred824it card which is lying idle as unused through post.

Thanking you,

Yours faithfully

Indrajit Ghosh

M-9674720053

On Tue, Dec 8, 2015 at 11:56 PM, wrote:

Dear Customer, Thank you for writing to us. Our Team is working on your query and shall revert to you through a call or an e-mail within 5 working days. Should we require more time for further investigation, we will keep you informed. 1. To help us respond faster, please mention your SBI Card number in the correspondence. In case SBI Card number has not been included, please provide us with the same by replying to this e-mail. 2. The reference number of your case has been mentioned in subject line of this correspondence. For faster tracking of your future communication, please revert to us without changing this subject line. At SBI Cards, we are committed to make your life simple and we thank you for giving us this opportunity to serve you. We regret to inform you that due to torrential rains, our Chennai operation is affected . You may experience delay in our response to you. Request to please bear with us for the inconvenience. Meanwhile, request you to avail our self- service options - IVR, Website, Mobile App & our Simply SMS Service. Yours Sincerely, SBI Cards Important: Lost Card needs to be immediately reported and blocked. Use our automated IVR channel available 24 x 7 or contact our Customer Service representatives(Between 8 am to 8 pm) at helpline numbers - 1860 180 1290(toll), 39 02 02 02(prefix local STD code) or 1800 180 1290(toll free) to block your card immediately. You may also contact us through SMS(type "Problem" and send to 9212500888), Facebook(facebook.com/sbicards or through Twitter(twitter.com/sbicard_connect) [THREAD ID: 1-1VIUSK0] "Please do not delete Thread ID" Message in auto acknowledgement"

-Original Message- From: ighosh8@gmail.com Sent: 8/12/2015 11:54:58 PM To: feedback@sbicard.com Subject:

Overdue aishwaryasingh23ment shown by you against SBI card number xxxx xxxx xxxx 7109 Dear Sir, I am surprised to receive your letter dated 15.11.15 and the statement enclosed therewith wherein you have informed me that my card is blocked and an amount of ? 1037.51 is lying outstanding to be paid by me. Kindly note that I have paid the annual fees for the card amounting to ? 570/- including service tax etc. through net banking from my savings account held in SBI as per the request of your customer care executive, when I had been requested to aishwaryasingh23 the annual fee only and I was assured that the late aishwaryasingh23ment charge would be reversed as the statement generated by SBI card was much before the receipt of the card at my end. You should appreciate that undersigned is in no way responsible to make any aishwaryasingh23ment for a period when the card was not at all received by me. It was also assured by your executive that such reversal would be intimated to undersigned by 20.11.2015. However despite making the aishwaryasingh23ment no action has been taken to reverse the late aishwaryasingh23ment charge nor the aishwaryasingh23ment made by me has been reflected in the statement sent by you. Moreover, while the executive was informed that the card was declined at pos(Pantaloons), Diamond Plaza, Kolkata, she assured that the same has been activated and the card might be used at any pos. It is quite clear that your SBI card is in no way at par with any other Cred824it card and your executives do not comply with what they promise, I am convinced that this type of transactions with SBI card are not safe and would only complicate the issue. It is worthwhile to mention that I had sent one mail in this regard and in reply you assured that the matter would be looked into, which, however has not yet been resolved. It will not be out of place to mention that I am holding several Cred824it cards issued by Standard Chartered Bank( 2 cards), HDFC Bank(2 cards), CITIBANK(2 cards), ICICI Bank(1 card) and Indusind Bank(1 card) for last couple of years and in no case I have ever faced such a complicated situation. Under this circumstances, I request you not to bother me with such wrong and wilful misdeed and you are at liberty to cancel the SBI Card ending with 7109. In the event I receive any such correspondences instructing me to deposit any money which is not attributable to me in future, necessary action as deemed fit would be taken without any prejudice to my any and all other remedial measures without making any correspondence in the matter and the matter would be brought to the notice of Central Vigilance Commission in addition to your own Vigilance dept.

Thanking you

Yours faithfully

Indrajit Ghosh

Mobile -09674720053

RE: Interaction Id- 1-9282318142 EXT: Re: Interaction Id- 1-4082903568 Overdue aishwaryasingh23ment shown by you against SBI card number xxxx xxxx xxxx 7109

Inbox

x

feedback@sbicard.com

May 15

to me

Dear Customer,

Thank you for writing to us.

Our Team is working on your query and shall revert to you through a call or an e-mail within 5 working days. Should we require more time for further investigation, we will keep you informed.

1. To help us respond faster, please mention your SBI Card number in the correspondence. In case SBI Card number has not been included, please provide us with the same by replying to this e-mail.

   
   




2. The reference number of your case has been mentioned in subject line of this correspondence. For faster tracking of your future communication, please revert to us without changing this subject line.

   
   

At SBI Card, we are committed to make your life simple and we thank you for giving us this opportunity to serve you.

Yours Sincerely,

SBI Card

[THREAD ID: 1-49IGAIM]

"Please do not delete Thread ID" Message in auto acknowledgement"

Indrajit Ghosh ighosh8@gmail.com

May 17

to feedback

Dear Sir,

As you have requested to mention my SBI Card number in the correspondence the same is forwarded herein below:

SBI Card number 5241-8263-9926-7109.

Hope this would you help you to resolve the issue.

Thanking you

feedback@sbicard.com

May 19

to me

19/5/2016

Dear Mr. Ghosh,

Thank you for writing to SBI Cards.

This is with reference to your communication dated 17.05.2016.

We wish to inform you that we tried to estaRobotouchsh contact with you at 09674720053 in order to process your request but unable to get in touch with you.

Finance Charges Related:We would like to inform you that in case the aishwaryasingh23ments are missed or outstanding on the card is received less than the total amount due/ total outstanding amount, then interest charges are applied on the balance amount, thus the aishwaryasingh23ment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder.

The finance charge will be levied at 3.35% per month plus government service tax @ as per applicable charges.

Please note that the finance charges will be calculated on opening balance as well as fresh purchases. This process continues till the complete outstanding on your card account is paid in full.

To be used only when there are cash advance charges on a/c –

In case of cash transactions there is no interest free period available at all.

The finance charges are levied at 3.35% per month plus government service tax(as per applicable charges) from the day of cash withdrawal, on a daily basis. The finance charges are levied till the cash transaction amount is paid back in full.(Hence, the outstanding on cash is liable to accrue finance charge for period between the statement date and the date on which full aishwaryasingh23ment is received).

We wish to inform you that we have reversed Rs.147.94 /- plus applicable service tax debited towards finance charges on your card account. Please note that Cred824it towards Govt. Service Tax(GST) would reflect on next statement generation date.

Late aishwaryasingh23ment Fee: We would like to inform you that in case the aishwaryasingh23ment of at least minimum amount due is not received by the aishwaryasingh23ment due date, the late aishwaryasingh23ment fee is applicable as per the below-mentioned slab, plus government service tax(as per applicable charges).

NIL for Total Amount due from Rs.0-Rs.200;

Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500;

Rs.400 for Total Amount due greater than Rs.500 & up to Rs.1000;

Rs.500 for Total Amount due greater than Rs.1000 & up to Rs.10,000;

Rs.750 for Total Amount due greater than Rs.10,000

We wish to inform you that we have reversed Rs.2400 /- plus applicable service tax debited towards late fee on your card account. Please note that Cred824it towards Govt. Service Tax(GST) would reflect on next statement generation date.

Incase of any query, would request you to reply at feedback@sbicard.com using the same subject line or contact the SBI Card helpline at 1860 180 1290(toll), 39 02 02 02(prefix local STD code) or 1800 180 1290(toll free). IVR & Emergency Services on helpline are available 24 hours and Customer Service representatives are available from Monday to Saturday between 8am to 8pm.

If you are not satisfied with the response, you can write to Nodal Officer, Customer Service at Nodalofficer@sbicard.com using the same subject line. You will receive a response within 8 working days.

Yours sincerely,

Agyey Bhatt - Customer Service

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With regards,

Indrajit Ghosh