Citibank Credit Card — Statement is not on time, Bank is charging extra money as late payment
PaPankaj Kumar Gautam
My Self Pankaj Kumar Gautam is a Credit Card Holder of Citi Bank.
I have some problems and doubts with my Credit Card,
(1)- I made a purchase of Rs. 40,000.00/ in month of November, which was having 4 installement of 1 x 20,000.00/ and 3 x 6667.00/.
I got the statement in mont of December 2007 at time, made payment on time Rs. 20152.00/.
(2)- After that, I never got any statement by POST or email, while my email address is already register in their system, and I am continously getting mails from Citi Bank Corporation about shopping offers and Credit limit Increase.
(3)- Today, I made a call at Citi Bank's call center, then came to know, I have a huge amount of late payment due to payment is not made in month of January.
and my email address is wrong entered in Bank's system as email@example.com, here m is being missed, and the person who attended me, told that system is sending me statements from normal post and email also.
Please consider the condition,
With wrong email address Bank is not getting any Failure Notification.
Every private organizations web addresses are ending with .com not by .co
How I am getting offers and Notification emails from Banks system.
This situation is really harrasing me to pay extra money as late amount, and copeing with Banks system's mistake.
If this is the way of Bank for business and earning money, I will not suggest any person to use Citi Bank's Credit Card.
And one more thing, I am bound by Citi Bank to continue with Medical Insurance, while I was not interested to have this policy at time of phone call. The person who was telling me at phone about this policy, was in so hurry. After explaining the plan, told "OK Mr. Gautam, Your Policy will start from next month, Thank you Have a nice day." and cut the phone without asking my permission.
So many time, I have requested to stop this policy, but every time getting failure because some one is telling me
I have to request at Chennai office, some one is asking my previous payment made, and so many different excuses.
I will really appreciate, if you can help me.
I am attaching one of the recent email received from Citi Bank as proof that my email address is correctly entered
Increase in Credit Limit on your Citibank Credit Card
"Citibank India" <firstname.lastname@example.org>
Thu, 18 Oct 2007 19:29:08 +0530
"Pankaj Kumar Gautam" <email@example.com>
Be sure to add firstname.lastname@example.org to your address book. Please do not reply to this mail
as it is a computer generated mail. This marketing communication is best viewed in 1024 x 768 resolution.
Dear Pankaj Kumar Gautam,
Make this summer the best ever! You can avail of an increase in Credit Limit of Rs.63000 on your Citibank Credit Card number XXXXXXXXXXXX5004. Your total Credit Limit would effectively be Rs.188000.
Now, go ahead and enjoy this summer. Get yourself a home theatre system, buy the latest gadget or take your family for a vacation.
All you have to do to avail of the increased limit is:
to send us an auto generated email confirming your acceptance of the increased
credit limit (you only need to send the email, please do not type any additional text in it). On receipt of your confirmatory mail, the increased credit limit will reflect in your next Card statement. Please note that we will require up to 3 days to effect the change in your credit limit.
Go ahead! Enjoy the power of having more! If you need any further clarifications on the above, please call the 24-Hour CitiPhone number in your city.
In case you are not interested in the increase of your Credit Limit, please do not respond to this email. This offer is valid till your next statement date.
Business Manager - Cards
* Credit line increase is at the sole discretion of the bank and is subject to change. There will be no additional charges accruing to you because of this line increase. Please click here to refer to the regular terms & conditions related to your Citibank Credit Card.
For more information e-mail us at email@example.com
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