[Resolved]  State Bank of India — Issues with SBI Credit Card and customer care

Dear Sir/Madam,

This is with reference to the SBI card number: [protected]. I am writing about the issues I have faced while dealing with customer care that have led to inconvenience at my end:

Issue 1

- My birthdate was recorded wrongly by SBI Cards. When I called customer care I was given a fax number to fax an application and my proof of DOB. I did so and the receipt was confirmed by the representative.

- When I called after a few days they said that the DOB change is 'under progress'

- when I called again, they said they have not received any documents from me (sounds a bit contradictory to me) and till date the DOB remains the same

Issue 2

- there was an "optional" insurance given to me without asking me

- again I had to call customer care to get it cancelled, but they said I just need to pay a small amount every month so I decided to keep it. There are 3 heads under which the insurance amount is charged, the rep told me those were one time charges, and I just need to pay a premium every month

- since then, every month I kept on getting all the three heads the amount being far more than what the rep had said I will have to pay

Issue 3

- I got several calls from one rep just because I mentioned that I might go for balance transfer and he convinced me to do so after telling me that only around 200 rupees would be charged initially

- for last month's payment, a day before the due date I get a call that I have not made the payment and that SBI will send their rep to collect the payment and there would be no late fee. I propose to make an online payment and I am asked not to do so but wait for the rep

- I make the payment to the rep

- I get the bill for this month with 'late payment charges' and also some 'finance charges' which the rep says that are because I made a partial payment (but that is what the other rep told me to do !!!) and as he cannot revert's my charges he cancels my card

Although it is a long mail that I have written, it is not because I have loads of free time but because of my belief that SBI can do better than this.

If you can follow-up this matter that would be extremely kind of you.

--
Swati Lohiya
McKinsey & Company (India)