Hi,
I suddenly received the below SMS from my bank that I have some due payments on my credit card. I have settled abroad for the last 6.5 years and before that I settled all my credit card dues which I had once.
I never received any msgs regarding the credit card in the last 6.5 years however suddenly my bank has started sending me the following msgs.
Payment on your card ending 7781 is due soon. Our partner CITI COLLECTIONS INDIA PVT LTD,[protected] 42564165 may reach out to assist you on the same. Please ignore if paid. StanChart
When I asked for explanation, this is the mail they sent.
This is with reference to your e-mail dated 07 July 2022, addressed to Customer Care, regarding your Credit Card.
Please note that we maintain a separate account for the loan availed in your card account. The EMI will be debited to the Instabuy’s account every month which will enable you to track the EMI details separately for the respective loan availed in your card. The account ending 7781 is your Instabuy’s account.
We confirm that your credit card account was permanently invalidated in our records.
On reviewing your card account, we find that you have been effecting either partial / no payment towards the outstanding due. Hence, the applicable financial charges were debited to your card account as per the terms and conditions.
On date, the current outstanding in your card account ending 7781 is INR 7282.38. We request you to effect payment towards the same at the earliest.
I have no clue where this outstanding amount is coming from. I have also informed my bank that I am settled abroad by sharing necessary documents through courier and mail.
Can you please help me from not getting charged for no reason. If at all my credit card was still functional or had any dues, why didn’t the bank inform me sooner. I have been always in contact with them for other services.
Looking forward to hear from you.
Best regards,
Nishi
Nishi.[protected]@gmail.com
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