[Resolved]  SBI / Credit Card — Wrongly Debit the payment

I am holding SBI credit card with credit card number – [protected] Card Holder Name – B Prabha.

I have been paying my minimum due for the card on every month payment due date.

Since I had changed my address, I have not been receiving my physical statement for the past few months. But I used to get SMS about my current balance and due amount.

As on 17th January 2010, I got a message says that I have current balance amount of 63, 663, 53 and due amount is 37, 166.75, I was really shocked after seeing this message why because I have not been using my card for the past three months and I am paying my due amount only. Last monthly, I got SMS says that I have the current balance of around 30, 000 and due amount is around 7, 000. I paid Rs.10, 000 in January 1st week.

After receiving the SMS, I had called the customer care and raised the complaint about this issue and also asked for physical statement. I had received my physical statement, In the statement, the amount of 38, 749.88 had been debited in my card as ‘Loan Plan Debit with EMI Paid’ but I had never asked for any loan in my credit card. Without my knowledge and request how the loan plan got activated and get debited from my card. I would like to know the clear explanation for this issue.

Kindly check the details and resolve my issue. Also my credit limit is 30, 000, I had utilized my credit limit fully, But how the bank can provide me the loan with EMI option for the card which does not have OTB(open To Buy) and that without the customer knowledge & Request.

I had been charged with many fee because of this loan option.

I am holding a SBI card with a number of [protected] . They had charged some loan amount with EMI option in my card without my knowledge. There are no proper process is being followed in the bank. So i am planning to go for settelment.

I asked the customer care to process my settlement when my outstaing balance is 23, 000, but they didnt process and when i called the customer care, there were no proer response. Now they had increased my outstanding balance as 27, 000. I havent amde any transactions for the past three months, but i asked the customer care, they are telling that the added amount is my minimum due.

Since i asked for settelment, they should close my account and contact me for the settlement, But they are not at all doing that and they are keep on increasing my outstanding balance.
Kindly help me out in this issue and get the settlement with the outstading balance of 23, 000 which is the genuine amount which i need to pay.

My contact number is [protected]