[Resolved]  Citibank Gold Mastercard — False Interest/Late Payment Charges

I AM A CITIBANK SUVIDHA CUSTOMER FOR THE LAST 3 YEARS. THE SUVIDHA ACCOUNT WAS THRUST UPON ME BY MY COMPANY AS THE SALARY ACCOUNT FOR ALL EMPLOYEES. ALONG WITH IT I WAS PROVIDED A CITIBANK GOLD MASTER CARD FREE FOR LIFETIME. AFTER MY LATEST EXPERIENCE WITH CITIBANK, I HAVE COME TO THE CONCLUSION THAT CITIBANK ARE THE CHEAP CHEATERS TO DEAL WITH. THEY CONVENIENTLY MISSED SENDING ME THE STATEMENT FOR 2 CONSECUTIVE MONTHS AND WHEN I CONTACTED THEM UPON NOT RECEIVING THE STATEMEN IN THE SECOND MONTH IN SUCCESSION, THEY SENT ME A DUPLICATE STATEMENT WITH AN INTEREST LEVIED. I HAVE ALWAYS BEEN VERY PROMPT WITH MY STATEMENTS. UPON CALLING THEM UP, THEY REFUSED TO ACCEPT THAT THE STATEMENT WAS NOT SENT. I CONTINUED TO PAY THE BILLS MINUS THE SERVICE CHARGE. I KEPT CALLING THEM FROM TIME TO TIME AND THEY STATED MUCH THE SAME. FINALLY IN OCTOBER THIS YEAR THEY REVERSED THE INTEREST CHARGES FOR THE MONTH OF APRIL AND INSIST THAT I SHOULD PAY THE ACCUMULATED INTEREST FOR THE BALANCE MONTHS. NOW THEY THREATEN ME WITH REPORTING ME TO CREDIT BUREAU.
BEWARE ALL THOSE WHO PLAN TO INVEST OR DEAL IN ANYWAY WITH CITIBANK. ANOTHER COUPLE OF EXAMPLES WHY I BELIEVE THAT THIS INSTITUTION IN INDIA IS NOTHING SHORT OF CHEATERS AND FRAUDSTERS.
1. WHILE USING CITIBANK ON LINE BANKING, IF YOU WISH TO MAKE A PAYMENT, THE DEFAULT SELECTION IS READY CREDIT. IF YOU ARE NOT VIGILANT ENOUGH TO NOTICE THIS, YOU WOULD END UP MAKING A PAYMENT WITH INTEREST CHARGES LEVIED IN THE FOLLOWING MONTH.
2. LIKEWISE FOR WITHDRAWING MONEY FROM YOUR ATM.

BEWARE OF THESE ROGUES