[Resolved]  Axis Bank — Credit Card Account Issues

Address:

Tamil Nadu

Hi,

Please read the reply from Axis bank regarding my credit card account issues.

1. I want to pay the bill and use the credit.
2.If they permanantly deactivate the account and not allowed to use the card, then I want them to cancel the fees.
3. I want them to remove my name from Cibil upon making the payments. I cannot run back to them to remove my name from CIBIL, after paying the amount . So I want to ensure it.


Please advise what are the steps I need to take achive above my points.

[protected][protected]--


Dear Mr.Raheem,

This is with reference to your e-mail dated 13th September , 2011 to customer.[protected]@axisbank.com regarding your Axis Bank credit card account.
We apologise for the delay in responding to your query.
We need to inform you that, the total outstanding dues on your credit card account as of date is Rs.35,872.46, and minimum payment is Rs.8,075.00, we request you to kindly make the payment on or before the due date to avoid further financial charges levied on your credit card account and also to avoid the calls form collection department for credit card dues.

We need to inform you that your credit card account is permanently deactivated on account of non payment.

We need to inform you that the applicable financial charges were levied in your Credit card account,as we have not received payments from you before the due date mentioned in the monthly Credit card statement.

We regret our inability to reverse the applicable financial charges levied in your Credit card account.

We need to inform you that as per Axis bank norms that are intimated to you on the application form and as mentioned in the card holder manual, interest charges are accrued if you make a payment for minimum amount outstanding or a payment less than total amount outstanding or if no payment is made.

If total amount outstanding is paid before due date of a statement, no interest charges will accrue for that month.

The usage of credit card for various purchases and execution of the application amounts to acceptance of all the terms and conditions as stated in the credit card agreement.

We need to inform you that as per Reserve Bank of India guidelines, we are required to provide credit information relating to our Credit Cardholder to Credit Information Bureau (India) Limited (CIBIL) on a monthly basis. The information provided reflects the status as at the previous month-end and includes information regarding whether the Credit Card account is regular or delinquent. To avoid any adverse credit history with CIBIL, Credit Cardholder should ensure that they make timely payment of the amount due on the Card account.
Hence, we cannot edit or delete CIBIL records."
For any further assistance or clarifications, please write in to us or call us on our 24-hour customer service help line numbers [[protected] ,[protected] ,[protected] and[protected]chargeable and accessible outside India as well)].
We appreciate your time and business with us and we assure you the best of our services.
Thank you for writing to us.

Regards
Customer Service Desk
AXIS Bank - Credit Card
CS 13
[protected]----Original Message[protected][protected]
From:Abdul Raheem M.[[protected]@yahoo.com]
Sent:9/13/2011 12:04:47 PM
To:customer.[protected]@axisbank.com,[protected]@axisbank.com
Subject:Reg: My Credit Card Account



Hi,

I am holding Axis bank credit card [protected]. I was using the credit card till May 2011 and I missed the payments for the months of June, July , Aug. One of your guy called me yesterday for the payment and please pay the minimum amount due which is Rs 2000. I told him that my minimum due mentioned in the monthly statement of 10.07.2011 - 10.08.2011 period is Rs 15135 and please give me the exact amount details. Then he said let me talk to my manager and get back to you.

Today the guy called me and told me that the amount is Rs .6611. Then I got confused and asked himcheck with his manager again. Then he made conference call with his manager Kamesh.
Kamesh was telling that the amount is Rs 7000 to be paid. Then I asked him that shall I use my credit card after make the enough payments . He replied that my card has been blocked and in defaulters list. So it is not possible to use it and also he conveyed me that my name has been sent to the CIBIL list as defaulter. I asked him that how the account will become default in 3 months payment delay and also you are charging the late payment fees.He is not customer friendly and we got arguments. Then he disconnected the line.

I had good payment record and I am maintaining Axis credit card for around 4 years. My only payment missing is for the past 3 months due to my personal problems.I am planning to pay the minimum due this month and remaining in the next month.

Please let me know my creditcard account status and the minimum amount due details.

Regards
M. Abdul Raheem