| Address: Faridabad, Haryana, 121002 |
Date of incident - 21st November, 2019
Toady me and my son decide to get him enrolled for a badminton class. Hence we went to a nearby academy, they told me that i need pay quarterly fee of INR 10200. Thats the time i decide to pay his bill through my Axis Bank credit card. But the amount got declined, which left me a great embarrassment. I thought might be some issue with the bank server. Unfortunately this is the only credit card i use and carry. I need call my wife to make the payment. Then i reached home and just to check what is the issue with them because my got got declined some on couple of my previous transaction as well.
I checked my Mobile banking and got the biggest surprise that without my knowledge they reduced my credit limit. This made me extremely annoyed because I have been using their card quite extensively and making all the payment on timely manner. And I use this card for most of my business travel as well. Never felt so betrayed by any bank before.
I called their customer care to check this again and the response i get from them was Statement 1"Sir every 6 months bank increase or decrease the credit limit so this is done automatically". Statement 2 "You can wait for offer from the bank to increase the limit". This is time i felt like Axis bank treat their customer no less than a dog. Whenever they want they will through the treat and customer has to catch and they will take it back whenever they want.
This is extremely disheartening for the customer who is been associated with this bank for last 8 years, i have a SB account, Personal Loan account, Credit Card all with AXIS. Now i seriously feel like a dog to wait for them to through a treat called increase my credit limit.
Its such an embarrassment for a father in front of his son that he could not pay even for hobby class. I feel so ashamed and humiliated after the entire incident.
Very unfortunate that in India we cannot sue the bank on such an unprofessional act. This incident has made me think, are these bank are reliable, how can a customer trust in an emergency situation. On a whole i cannot trust AXIS bank in future. Good lesson learned, you should not trust this bank at all.
Axis Bank customer support has been notified about the posted complaint.