[Resolved]  Standard Chartered Bank — Cheating by Bank

Address:

Chennai, Tamil Nadu

On December 2013, a sales agent from Standard Chartered Bank (SCB) introduced me to one of their Credit Card products. I was very particular about having the “Convert to EMIs” facility on the card. He informed me that the EMI facility would be available on the card. After receiving the card and making a couple of transactions, I found that the online link to converting a transaction to EMIs did not work (a.k.a. “Kuch bhi on EMI”). When I contacted the bank’s call center on this, they informed me that the option will be made available only after six months of card usage. After six months of card usage, I called back asking for the promised “Converting to EMIs” facility. They informed me that the option will be enabled next month. After more than a month, I called back again asking to enable the option as promised. They told me to wait for 15 days. After 15 days I had to call back again. This time they informed me that I was not eligible for the “Convert to EMIs” facility. I told them that I was particular about this facility while purchasing this card and the sales agent and previous call center agents had replied positively about me having this option, and that was the reason why I was using the card. But, all they could respond to me with was, “Sorry, sir”. I asked for one reason why I was not eligible for the option, as I have never defaulted on any of my repayments of loans, or the other HDFC credit card that I use. They had no answer for me. There is absolutely no other reason for me to have purchased this card and use it for 6+ months, but for the promises made by the bank’s agents. Their words were all lies and misleading. Now, when I try to pursue this issue with them, they harass me by saying that I have to make the payments without the EMI option. SCB Complaint Reference Number: [protected] Card Number: [protected] Anand Viswanath T Mobile: +91.[protected]