[Resolved]  Citibank — Credit card/ ready credit without conscent

Address:

Bangalore, Karnataka

Beware of Citibank issuing credit card and ready credit line products without your consent. I have recently opened a Citibank salary account, which I was forced to do as I did not have any other option, since I have already undergone a pathetic experience with Citibank earlier. In this specific instance I would like to bring to your notice about issue of credit card and ready credit line facility by Citibank. First of all I have never requested for these products and have never applied and while opening the suvidha account had specifically told the representative to exclude me of these unwanted products/ services. In-spite of all these I have got sms's communicating that my credit card has been approved and further sms’s telling that I have been approved for ready credit line of Rs. 5 lacs. Both of these products have come out as a surprise in-spite of my utter refusal towards them. It appears that this is a systemic failure or an intentional mal-practice followed by Citibank to increase the sales of these products. It could be at a bank level or representative level- I don’t know, but such practices are creating nuisance for the customers. I have already contacted their customer care and they could only help in cancelling/ closing but were clueless on how it could happen in the first place. This issue is not isolated to me, but many of my other colleagues are also facing the same issue and feeling harassed by this. Further I have been dealing with other banking companies like ICICI/ SBI/ HDFC and have never faced these frustrating issues with them. My only advice is to be aware before getting into any commitment.