[Resolved]  CIBIL — all wrong entry feeded in your office

I have a citi bank account and two credit cards of citi bank, earlier i was told that its not necessary for me to maintain the account ( i.e, minimum Rs. 5000 in your account) because I was a good customer of citi bank, the customer care executive told me specifically that as I am paying loan EMI and credit card transaction every month so maintaining the minimum balance in my account is not necessary' . Now bank started levying fine that is Rs.250 per month inspite of previous assurance that 'No need to maintain the account' ..I am still paying the Loan EMI and credit card trasactions every month without fail...but i am not maintaining the account..

Now please let me know if I will be considered as defaulter as I am not maintaining the minimum balance in the account ( because now bank has change its statement) ?

Please reply at : [protected]@rediffmailcom

Thanks and Regards,
Aftab Alam

Dear Aftab,

As far as default for not maintaining the saving account ; it does not give any measure bad impact to your credibility as off now rather than AQB charges .

But i would suggest you one thing; since you are paying the installments and credit cards payments through this account only; why dont you make a arrangement for the payment of one ADVANCE INSTALLMENT AS WELL AS ONE ADVANCE PAYMENT OF CREDIT CARD in your saving account.

If you follow this you will find that your average balance will always be maintained.

I feel your question is clarified.

You may write me on my email id for any further assistance.
Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Grievances & Escalations )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
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I wanna know why I am in defaulters list.


Please revrt me back if im there.