State Bank of India [SBI] Complaints & Reviews

we have apllied for SBI credit card but yet we have not received and monthly bill statement have been started so tell me why should we pay such amount if we have not our credit card
when we dial helpline no they ask me to dial 4 digit date of birth when we do it they said this data is not match with our data pl help me about my date of birth

my card No. is [protected]

Sub: Renewal of SBI Credit Card No. [protected] in the name of JOSEPH V.T.

Dear Sir,

I request you to kindly release the renewal credit card. At present the card is not working. 8 months before you had sent the Credit card after renewal at my address. But at that time unfortunately I was in Kerala, so the same has been undelivered and returned to you.

After that, 2 / 3 times I had contacted to your Executive at the SBI helpline numbers but till date I could not get any response from your end.

Therefore, I request you to kindly look into the matter and arrange to send the renewed credit card at an early date. Please note that I need only ONE CARD in my name and don’t send the Addl. Card and also do not want any Insurance. The addl. card is presently not useful for me.

The credit card may please be send at the address given below:

JOSEPH V.T.
Innovation Wing, City Montessori School,
10-C, Station Road,
Lucknow-226 001 (U.P.)

Thanking you,

Joseph V.T.

Mob.: [protected]

e-mail: rojan.[protected]@yahoo.com

D.O.B. 10.12.1958

Sub: Renewal of SBI Credit Card No. [protected] in the name of JOSEPH V.T.

Dear Sir,

I request you to kindly release the renewal credit card. At present the card is not working. 8 months before you had sent the Credit card after renewal at my address. But at that time unfortunately I was in Kerala, so the same has been undelivered and returned to you.

After that, 2 / 3 times I had contacted to your Executive at the SBI helpline numbers but till date I could not get any response from your end.

Therefore, I request you to kindly look into the matter and arrange to send the renewed credit card at an early date. Please note that I need only ONE CARD in my name and don’t send the Addl. Card and also do not want any Insurance. The addl. card is presently not useful for me.

The credit card may please be send at the address given below:

JOSEPH V.T.
Innovation Wing, City Montessori School,
10-C, Station Road,
Lucknow-226 001 (U.P.)

Thanking you,

Joseph V.T.

Mob.: [protected]

e-mail: rojan.[protected]@yahoo.com

D.O.B. 10.12.1958

Company — No Response for opening of account

Ref.No.A2/12195/07 dt. 28 .2.08

Complaint mail
ICIC Bank.com
Corporate care.com
To

The Assistant General Manager,
ICICI Bank Ltd,
93,Santhome High Road,
Chennai-28

Sir,

Sub: Arasu Rubber Corporation Limited -opening of current A/c in the
ICICI Bank-Chennai-reg.

Ref: Our ref.No.A2/12195/07 dt.13.12.07.
____
We wish to inform that Arasu Rubber Corporation Limited is a Public Sector Undertaking of TamilNadu located at Nagercoil of Kanniyakumari District. Our Board of Directors comprises of senior Government officials. As per the resolution of the Board of Directors in the 99th meeting of the Board of Directors of Arasu Rubber Corporation held on 7.12.2007, we have sent all necessary details for opening a "current account" in ICICI Bank to Branch Manager, ICICI Bank, Nagercoil in our reference cited.

We were orally informed to contact that Tmt.Meera Rama Subramanian since this account is related to the Government of TamilNadu Public Sector Undertakings. Accordingly our Secretary cum Chief Accounts Officer i/c had contacted Tmt.Meera Rama Subramanian on opening of account in ICICI Bank. She sent a mail on 14th Dec 07 informing the details of documents to be sent for opening of current account in the ICICI Bank. As required we have sent all the documents through special messenger and handed over to ICICI Bank, 93 Santhome High Road, Chennai-28. Further she wanted us to send 3 copies of memorandum and Articles of Association which were sent immediately through courier on 5.1.2008. Despite our efforts to open an account with ICICI bank, we have not received any communication so far.

2

We request to be informed whether we will be able to open an account with ICICI. If not, we may be informed of your position.
Assuring you of our best services.

Yours faithfully ,
For Arasu Rubber Corporation Limited


For Managing Director
Pk/28.2

I applied a application form for opening new demate a/c, with all need full paper submitted but after one month I have no any response by sbi
My self Ajit warke, NHPC-Raipur (C.G.), Bank-jaistambh chock sbi,

i totally agree with above complaints. i too applied for the SBI demat account a month ago, customer care called up and informed to send the representative but yet no one came.
its really a poor poor service from SBI.
Amit Tandel.

I totally agree with the above posts. I have also applied for it and have not yet received any word from them. I thought SBI might be a reliable one but the way they are behaving I think I should cancel the application form.

I have the same experience and now its been almost 2 months i have applied for the SBI demat account. The customer service says that shortly yo will be recieving kit but i have'nt...This is th worst customer service i have experienced.

not yet recieved my demat account document.
i applied it 45 days before.

i applied for demat account arround 2 month ago, custumer care called up and informed to send representatives and yet i didn't recieved it

demat &online trading — regarding saving account

dear sir my name is nitin rawat .i register with sbi free demate account for online trading.but i have a doubt regarding i'm not account holder of sbi .so is it necessary to open account in sbi.

I applied for demat A/c and cusomer care called up to me from bombay as well as bangalore informing me that representative would be sent, The representatvr also rang up and fixed a date for collecting details required for demat A/c but never turned up till date

not reciving your wellcome kit pod no[protected] already telephonic discussion with mr deepak in ur office

Demat — KNOW ABOUT DEMAT ACCOUNT

Dear,

I know that what is the best demat account at this time. I mean, low charges and good services.

I have filled the application of demat account through net.
they give the no such that
no:SBI-DMT-222591
how can i login to this no.

I am an NRI living abroad. I applied through ICICIBank to open an Demat account when I visited India in Dec 2008. I found ICICI totally inadequately staffed. I went to 3 branches listed in ICICI website offering Demat services. There were no one responsible who could enable the account opening. Finally I submitted my account opening forms in one Branch with all the necessary documentations. It has been more than 1 month and I haven't got any response. When I followed-up recently, there is no trace of my application. I am appalled at their service to say the least.

I also agree with the compliant. I too have applied for SBI demat & Trading account three months back. My account was also debited for their charges. But I have yet to receive any reply from them.

Unknowingly, i have tried to open a Demat Account Yesterday itself...:-(

i was applied for demat a/c. Customer care told me that our reresentive will be come soon but i am waiting last 1 month.

i was applied for demat a/c. Customer care told me that our representive will be come soon but i am waiting last 10 days.my ticket number: SBI-DMT-249541, weather these SBI peoples working or not.

i was applied for demat a/c. Customer care told me that our representive will be come soon but i am waiting last 10 days.my ticket number: SBI-DMT-249541, weather these SBI peoples working or not.

i was applied for demat a/c. Customer care told me that our representive will be come soon but i am waiting last 10 days.my ticket number: SBI-DMT-249541, weather these SBI peoples working or not.

Dont think SBI Executive to meet @ ur place you have to give Applications on any of the Dmat enabled SBI Br. in mumbai SBI started a separate central processing centre only for processing DMAT applications, , , I found the following advantages with SBI Demat...
1) Once its opened unintureptd service
2) Very low AMC/Yr and Brokerage charges
3)No hidden charges
A/c opening is free of cost till 31/03/2009, , ,

cancel my demat account

PEOPLE ... try this procedure

write ur complaint to [protected]@sbi.co.in & dgm.[protected]@sbi.co.in

addition to your complaint ask for the contact of ACPIO for filing application under RTI ...

even then your complaint is not solved write to me dream.jeet[at]gmail.com

best
Jeet

Any trouble with any Gov. services use RTI :)

SBI May be good in banking, Loans, MF, but demat it has pertnerd with Motilal Ostwal for brokering and i experienced its worst. my application is under prcess even after 3.5 MONTHS

dear sir
i have applied for Demat account opening in SBI Bank in February 09, the bank has deducted the amount for opening the account on, but still i have not received the account opening kid, but their website says only 10 days to open but this takes too long, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 40 days has completed)

Sir, I have applied DMAT account with sbi chipitola Agra in the month of February. Till date I have no information about opening of a/c. With the enquiery with the bank, I am told that your esbi no is-203234 and endoc no is 0809/64474. pl do the needful

I APPLIED DEMAT A/C DT.[protected], SO FAR I AM NOT GET MY A/C.NO.WHEN CAN I GET.

dear sir

i have applied for Demat account open in SBI Bank, as per that, they are opened my Demat Account and mentioned my name as DEVI GOWDA S.R. in Demat A/c No.[protected], insted of DEVE GOWDA S.R., in all my records submitted for opening demat account and also in my sbi bank/SBI Cap account name is DEVE GOWDA S.R.,

but so many time I requested since 4 months, they are telling only your application filling like that, But they are not seened my document submitted along with the application for opening Demat account and it is not my falt, the application filled by Mr.Sunil Kumar SBI Cap or SBI demat agent.

kindly i request change my name as DEVE GOWDA S.R. for further transaction and also they charged Rs.400/- ON 28-Jan-2009 and Rs.393/- on 07-Mar-2009.

I HOLD AN SBI DEMAT ACCOUNT AND AM USING IT I STRONGLY SUGGEST BETTER DONT PRESS TOO MUCH FOR IT. THE SITE PERFORMANCE IS MISERABLE AND THE CUSTOMER SERVICE IS SLOW THEIR CHARGES TOO ARE HIGH
i also use geojit which i find better

its been more than 2months that i have applied for the demat account online, they have called me up said that they will send their representative and there is no response from them there after.

i have applied for Demat account opening in SBI Bank on 4th may, but still i have not received the account opening kid, but their website says only 10 days to open but this takes too long, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.( one month has completed)

iam applied fjor D nat account and online trading in state bank or india yesterday morning through the inter net. soplease send the particulars of my account and what iam doing thank you

i have open to dmt account open


than you for your
obidently
sivakumar

I have applied for Demat account opening in SBI Bank on 12th May, but still i have not received the account opening kit, but their website says only 10 days to open but this takes too long, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 20 days has completed)

Hello just make others not to join SBI...for the following reason...
1) No proper response.
2) Trading account is handled by 3rd party.
3) If any issue happens then SBI won't be responsible for it. It will point 3rd party (Motilal owasis). 3rd party will point Bank. you will be a dog.

Suggestion: Join ICICI both demat and online is been handled by them.
Enjoy SharesKhan then also do the same.

i applied for dmat account before 3 month but i cant got it till date

i had applied for demat account around one and a half months ago with all the requisite documents whatever i was asked for, but my account is yet to c the light of the day, rather may never will. the concerned executive who had contacted my me on behalf of the bank has stopped taking my calls as if i am his ex-girl friend. i wanted to invest in the market when it was on a low but guess i will have to wait for the next cycle of recession, thanks to the complicated ways of processing of SBI. my initial request no was. IC00159305. and the massage i received once says my Bo id is 130...61610.
actually not expexting to hear from anyone from the banks side.
regards, ravi

Sir,

I, ve applied for opening online trading account with SBI on 3rd of june and they assured me that the account will be opened in 20 days but after 4 weeks of long wait still there is no progress towards my account opening !!

I've also told them that it's urgent but they didn't gave it a think.

I willl be gratefull to you i[censored] take necessary action towards it.

POOR SERVICE FROM SBI.
They take 2 months for opening Demat account.

Sir i want open demat account but i don, t what is the process of opening

sir i want know about sbi demat account. Fees stracture of open account . bokerage charges, mantance charges and others charges .
please esnd me full detail of it.

dear sir
i have applied for Online Demat account opening in SBI Bank on 17th july, have not received the account opening, but their website says only bank has deducted the amount for ys to open but this takes too long, no response from the bank.

I have applied online for Demat A/c and got my Demat-webway Ticket No. SBI-DMT-361221. But no any your agent has contact with me for the purpose yet. I have made so many call to your SBI, BHU, Varanasi agent Mr. Sanjeev since twenty days but he has always agnore my call.
In case what i do? may i go to any other Bank for demat or what?

I have also applied for Deemat Account from SBI main Branch, Allahabad on 23 June-2009 but till date i.e.06.08.2009 i have no response from neither bank nor local representative.

I have applied the demat account in the month of june. After 3 weeks i recieved a letter from sbi "your account has been actived". no clint code no passdword. All most 10 days spend to get the detail of login pass word & trade password by visiting to bank. In the bank there is no proper person to give guidelines related to account open next follow ups what to do? how to do ? . The person who deligately oppoint for this work is almost out of the bank. we should talk to him on by phone it self. He never try to trace the problem. However by taking the other branch agent I have prepared login password & id.
At the last I have deeply strucked in fund transper from saving account to demat account. For this almost 3 week they are fail to identify the problem from both demat account branch. & SB account branch. For this I am fed & completely disoppinted. I don't know to whom I have to tress my problem.
Finely I conclude that I want to close the Demat. Account.

Demat account branch : Yalahanka new town
SB account branch : Yalahanka A.F.S Branch.

DMAT access — Third party transfer

Hi,
I am, Dhasarathan.K, i have SB account in our State Bank of India, Tamilnadu. I have my account in my permenent resident. But i am working in out of my permenent resident. I created DMAT account before 4monts through State Bank Of India.But still i am not able to access my DMAT account, due to Third party transfer enabling. I called to customer care of SBI, they requested to visit Home branch. i am not having leave on week days, even i got personal leave on my company and went to my native place. There i asked to Bank manager, but he simply say that " The forms misplaced somewhere come on another day". As an private company employee, how i can get the leave again.

Please kindly guide me to make an action for the irresponsible manager of that bank, Otherwise change the entire process in online.

SBI also opens Tradind account with SBI CAPITAL Securities LTD .
Which is 100% subsidery of State Bank of India.
Always open your trading account with SBC CAPITAL not with Motilal Oswal.

reciprocate expeditiously please

please take action on SBI demat management

I have applied for demat account opening and online trading account opening with SBI a month ago but still i didnt get any documents...V.v.v.v.v poor service...But They said 1st year AMC of Rs.400 waived off...What we do to waived off. Jaago SBI Jaago

I too strongly agree with the so far comments against SBI Demat Account.. I Humbly request to all, not to suggest any one to open DEMAT IN SBI. I have opened the DEMAT, But the trading account was not linked with savings account. I had to raise a request to them and then they did in 3 working days. After that now i am not able to purchase any shares. If I place a order, Its not showing at all...

This is the worst service, I have seen...

Please let me know the procedure for canceling the DEMAT & TRADING ACCOUNT IN SBI to my email id, so that I could cancel it and open in some other one...

My email id is mujeebudeen'at'hotmail.com

I have been applied for adani power ipo at 30-07-08 successfully. But the ipo has been launched at 21st Aug but i have no information about allotment of share to me or refund my money 6500 Rs. from your side. Pls inform me as soon as possible. Refrence no. is EM00001205.
thanks

Online Trading Account Opening Too Late
Dear sir
I have applied for Online Trading account opening in SBI Bank (12297) of Shivpuri Branch on 31st July, but still i have not received the account opening kid, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 27 days has completed) please help me.

Devendra Kumar Sharma
H-73 Mohini Sagar Colony
Shivpuri (M.P.)-473551
Mob. [protected]

I have applied for demat acct. 2 week ago but till now no response...its really a poor poor service from SBI.

I APPLIED FOR SBI DEMAT ACCOUNT ON 10.08.2008 .BUT TILL DATE I HAV NOT RECEIVED ANY INFORMATION ABOUT THE STATUS OF MY ACCOUNT OPENING.THE CALL CENTRES ARE JUST USELESS.

I applied a application form for opening new demate a/c, with all need full paper submitted but after two months I have no any response by sbi
My self Pravin Chandra Jha, M.I.T Muzaffarpur SBI

Sir,
I had applied for Demat/trading account on 13 Aug 09. but till that i have recieved only demat account information. There is no any information about trading account. This is the worst service from your bank.The call centre are just useless there is no response any time from callcentre. please take action as soon as possible. for this i m always greatful to you.

my complants same as above

sir sorry to saying again that no response about on line demat ragesration . I ragistered online dmeat ac before 3 month that ticket no is sbi-dmt-348537. please tell me what ihave to do. ITs my second complain .

Kind attention to SBI Demat Department, I am Kishore Kumar I had applied for the SBI Demat Account on Dated 14/07/2009 through Internet the code “ 360882 “ and one of your's executive approach me by phone he told me his Name is Mr. Vikas Came from saraswati Vihar SBI Branch, and collected my all documents and one cancelled check with my signature, of the state bank of india, jahnagir puri, delhi - 33 brach the check no is 5" 587074 Dt. 23/07/09 " my SBI A/C No. is " [protected]" Branch Id :- " 04840 " the person who’s name mentioned above told me I am in hurry I shall fill your’s form later according to your received document . I have given all the document to the person who approch me such as : “ 2 Passport Size Photo, Voter ID Photo copy, Shop Electricity Bill, Bank Passbook photo copy, Pan Card Photocopy.+ One Cancelled Sign check . The check no is " 587074 Dt. 23/07/09 SBI A/C No. is " [protected]" Branch Id :- " 04840 " but No Intemention is made form your’s department for the demat AC openning therefore I request you to kindly enquiry about matter whether it is Genuine from your department or not if it is a fraud case then I can lodge the police complaint. My Contact Details is :- Kishore Kumar, Bill Add :- “ I – Block 1975, Jahangir Puri, Delhi – 33, (M) [protected], email. Id is : [protected]@gmail.com

SBI Customer care is worst, executives are not trained and competent enough to answer the queries. They have a run away attitude insted of helping the customer. They gave me wrong numbers when I asked for numbers for DEMAT relationship those numbers either doesn't work or does not exist. I don't know on what basis SBI is claiming to be No.1. bank in India...

[protected]

[protected]

STATE BANK OF INDIA- DEMAT SECTION — CHARGES NOT REVERSED

We had opened Demat Accounts in your Polytechnic branch of Ahmedabad in the scheme of ‘IPO Funding” with eztrade account of Motilal Oswal Securities. The Bank had charged Rs.300 on 20.12.07 per account.
As we had not require accounts, we had closed in November 08. However, They have charged per account Rs.300 again in March, 2009 and because of your charges, in the two accounts balance has gone below the minimum balance amount and respected branch has taken charges of Rs.200. So we are really surprised from complicated charging method. Every broking company charges yearly from opening date of account to exact ending date of month of next year but SBI charges differently from other. A new customer who opens an account does not know that he will have to pay twice a year.

We don’t expect all these from reputed and prime bank of the India. I requested to SBI please look in the matter and reverse back all the charges. We have been charged massively by both sides. So we really are not able to bear this kind of charges. .Branch taking Rs.200 per quarter, when i discussed with manager they replied me if Demat section will reverse your charges then we will also do the same. Please help us. Details are as under

Name Saving A/c No. Demat A/c No.

Kailash Harinarayan Bhatt [protected] [protected]
Narendra Harinarayan Bhatt [protected] [protected]

how can i apply for credit card and master card.

I am also facing the same problem with SBI demat account. the customer service desk is 100% not supportive and no co operation is expected from them. Its about more than a months i have got the passwords, I cant trade in my account as it is not opening .

I have applied for Demat account opening in SBI Bank, i received the account opening kit, and i also got the login password and trading password. But i am not received user name my mail id.

dear sir
i have applied for Demat account opening in SBI Bank on 21st oct, but still i have not received the account opening kid, but their website says only 10 days to open but this takes too long, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 17days has completed)

zfsdhfkjh.k

Online Trading Account Opening Too Late
Dear sir
I have applied for Online Trading account opening in SBI Bank of Shivpuri Branch on 21st oct, but still i have not received the account opening kid, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 17 days has completed) please help me.

DeveshKumar Shukla
H-96 Mohini Sagar Colony
Shivpuri (M.P.)-473551
Mob. [protected]

have applied for Demat account opening in SBI Bank, i received the account opening kit, and i also got the login password and trading password. But i am not received user name my mail id.

dgdfjfhk

Good afternoon sir.i going to bank to open an account. For this fill the application form and take my voter identification card and bsnl phone bill with name of my father but the bank manager not accepted and says phone bill also with my name i doesnot have another proofs.branch code is 2700 chandole branch not accepted.finaly i cannot open my account in sbi.All my family numbers have account in this branch.i am very disappointed to ur service for me.

i applied demat a/c but my demat account opened after two month but after opened a/c i have not recevied my user name and password please tell i want to cloesd my a/c customer are foolish sbi demat a/c service is very very very very very poor

Pl Inform me about my demat card s whereabout . I have applied long ago for SBI Demat Demat Webway Ticket no SBI- DMT- 329923

i applied for a new Demat A/c before a month as per the bank's terms it will be issued with in 15 days but till now i haven't recive my new demat A/c . please help me on this ..

Sir,
My SBI demat account No.[protected] was opened a few months back. I had applied for online transaction rights too. An amount of Rs400/- was debited from my SB account too but the online transaction Username and password has not been sent to me till date. The representative of the bank is also not answering my phone calls now. The account was opened at SBI, Town Branch, Thrissur, Kerala. Kindly advice on the matter.

Jai kumar Bhaskaran, [protected]@gmail.com

sir, i m a govt.employee .i have salary account at SBBJ PIPAR CITY, JODHPUR, i applied for demat account at branch of SBBJ .pr road jaipur.on 26 october, my demat account was open on31 october.still im unable to transact with the account .my demat no is 10050086 and esb no is.17198.
All the documents i submitted are correct, as im agovt. emloyee and my account is salary account.and i have been paying incom tax regularly.u can check the detailes of my PAN .
SIR, should i hope that one day i will be able to transect in the demat account given by the bank.

i appied for demat 3 months ago but still im waitinng for.my esb no is 17198, im a govt employee and provided all the correct documentsand have salary account in SBBJ BANK PIPARCITY JODHPUR.I would suggest please dont try to open the demat account in sbi.

i have applied for sbi demat and my id is [protected], please send the demat account number and welcome kit at the earliest.

thanks
jtgowda

i want to cancel online sbi-dmt450675

i want to cancel my dmt account number online

dmt450675

my online dmtaccountclosed

Personal — too late demat account opening

dear sir


i am pravin chandra jha. I was applied SBI M I T BRANCH, LAKSMI CHOCK ,MUZAFFARPUR, BIHAR for new demat account witthin 4-5 months ago,so please send imediately demat account username and password.

Sir,
I have open a Demate account on 22 Dec 09 at SBI branch Narangi, but no any information has recd till date. Your are requested that early action on the my view.


Thanking you sir,

dear sir
i have applied for Demat account opening in SBI Bank(sapna sangeeta, branch, indore) on 30en nov 2009, the bank has deducted the amount for opening the account but still i have not received the account opening kid, but their website says only 10 days to open but this takes too long, no response from the bank. the customer centre says we will let you know, the same answer daily. but still not opened.(nearly 20 days has completed)

MY DEMAT A/C NO IS [protected]. MY ESBI NO IS 233656. MY SAVINGS A/C NO IS[protected].YET NOT GET PASS WORD NO, LOGIN NO, TRADING A/C NO.I HAVE APPLIED FOR THATON 02.01.2010

respected sir,
i had applly on 22-02=2010 for open demat & online trading account through net & my demat web way ticket no is 479809.on[protected] your representative from mumbai call me & informe me charges for open account& also inform me my application will forward to your city branch deoria.
but no reply came from deoria branch till date.
thanking you.

i was send my praposal to open demat a/c& online trading a/c.but no one is responding.

The Demat Account opening takes a lot of delay for which no one takes the responsibility. I had submitted and application in Sept 2009 and an amount of Rs400 was deducted from my account in Nov 2009. SBI, Town branch, Thrissur. I post this on 14Mar2010 and my trading account client ID, Password etc has not been forwarded to me yet. On the toll free No it was told that the application has been rejected but I havent received any intimation regarding the same so far.Even after a lapse of six months there is no intimation of the account opening. No satisfactory replies are sent back even though i complained about 5 times by E mail and contacted the branch on phone several times. It is a shame on the part of a reputed bank like SBI to act in such a callous manner. I would suggest all never to open a De mat account in SBI.

please avoid to apply for demat services with SBI. I think no reletation maintain any services with deef SBI to listen our problems.

State Bank of India Yol camp regarding a/c no [protected]

1. On 23/10/2006 after getting my updated passbook, I found that my misplaced ATM card was illegally misused by any person. I brought this incidence in the notice of bank officer concerned and told regarding my misplaced ATM card and also made request to stop ATM service of this a/c immediately. The concerned officer received my written request. I also received duplicate copy of my request from the officer who made initials with time and date.
2. On 26/10/2006 I wrote to bank regarding the varification of the illegal withdrawls
from my a/c on 05/10/2006 & 06/10/2006 and also mention regarding ATM blocking on 23/10/2006
3. Bank manager telephonically call me in the bank and told verbally that enquiry is in the process. After the completion of enquiry we shall inform you in writting.
4. On 24/08/2009 S.B.I.by their letter tried to misled me in the name of report of
enquiry by reverting the same information as given by me on 23 & 26/10/2006
5. On 26/10/2009 S.B.I. again misled me under RTI act 2005 by providing me copy
of already given letter by S.B.I. dt. 24/08/2009.
6. On 17/12/2009 in reply to my appeal under RTI, S.B.I. LHO chandigarh provide
me statement of a/c for 2006 having entry of another illegal withdrawl of Rs.13, 700/= made on 31/10/2006 inspite of my written request received by bank on 23/10/2006 to stop ATM service and this third withdrawl executed just after credit of my salary in my a/c and bank never endorse this withdrawl in my pass book updated from time to time.
7. On 28/12/2009 S.B.I. in reply to my letter wrote As per our record we donot appear to have received any such application on 23/10/2006. As such your card was not stopped. Bank also wrote Let us know the name of the staff member to whom you have delivered the letter for stopping the ATM card.
8. On 04/01/2010 by following the instructions given on 28/10/2009 Branch manager S.B.I.yol camp I wrote S.B.I. under RTI act-2005, to provide the identification of officer who forwarded my request dt.23/10/2006 to stop ATM service of my a/c.
9. In the letter no. 30/154 dt. 20/01/2010(Para no 3), Branch manager S.B.I. yol camp mention that ATM is stopped from 01/11/2006 which is wrong information, as in reply under RTI on 29/01/2010 bank state that ATM was stopped on 02/11/2006.
Para no.6 of this letter is also of serious concern which shows the poor credibility
of S.B.I. as this para indicates that S.B.I. yol camp is not responsible for
any type of committments made by this branch during period of october 2006.
10. On 04/02/2010 I made request under RTI(appeal) to give me complete and clear
information for my request vide letter dt.04/01/2010 under RTI act-2005.
11. On 25/02/2010 Appealant authority S.B.I. LHO Chandigarh made order to
CPIO S.B.I. Dharamsala vide letter no 683 for providing complete and clear
information under RTI act-2005 to me, which required to follow the instructions of Bank manager S.B.I.Yol camp as per their letter dt. 28/12/2010.
12. On 12/03/2010 CPIO S.B.I. Dharamsala denies to provide complete information
under RTI act-2005, and tried his best to conceal the facts very tactfully, to save the persons who made forgery and also to persons who made connivance to execute forgery in a/c.no[protected] of a female client.

What to talk about State Bank of India
This is the credibility

DEAR, SIR
MY D-MAT A/C HAS OPENED.BUT MY E-BOOKING HAS YET NOT BEEN DONE BY SBI KRISHNANAGAR BRANCH, WEST BENGAL, PIN CODE 741101.MY USER ID IS ESBI233656.MY SBI A/C NO IS [protected].I HAVE GIVEN MY BO ID, A/C USER ID AND DEMAT A/C USER ID FOR E-BOOKING REGISTRATION TO KRISHNANAGAR BRANCH ON 25.03.10. BUT TILL NOW MY E-REGISTRATION HAS NOT BEEN DONE. PLEASE HELP ME.

FOR YOUR KIND INFORMATION I BEG TO STATE THAT I APPLIED FOR DEMAT A/C ON 03.01.2010.FROM THAT TIME I HAVE BEEN SUFFERING TILL NOW.

PLEASE HELP ME. WITH REGARDS, BIJOY KRISHNA ROY

whats the procedure to cancel the demate account opened in sbi

Dear Sir,
We Applied for a demat & online trading account Through Mr. Keyur from SBI Gandhi Nagar & deposir Rs. 400/- in his account for this purpose.
on 1st April we got a confirmation message by SMS from BT-SBIDP about our BO Id .but till today we dont get any message from your Bank. although we tried to contact to Mr. Keyur, but we are very sorry to say that we not get any satisfactory reason, actualy so many times he cancled our phone call.

Please do not go for SBI DEMAT. It is one of worst demat service provider. Response for complaints is very bad

Nagesh B.
Demat [protected]

of course, demat ac from sbi is not so good as my experience is concerned. if any one need help from where to open demat ac, contact me as i have a huge experience in this field.
mrinal
[protected]

i have similar account with sbi, they have been charged rs. 3000 on my all accounts, on closer of ipo funding account. the reason that this was collective charges pending for ipo account that is been closed. where as they they themselves stopped funding facility. also, as per banking practice the charges should be debited as and when occurred. on top of all this they never send us any statement/receipt for charges in last 3 years. is this how a nations top bank work ?

i want to open a demat and saving account please give me the no. of nearest branch i stay vikhroli mumbai 400079.
my cell no. is [protected]

Dear Sir/Medam

Alredy remembered with us my demat account oppened from S.B.I.Satna Releted A/c is Sanjay Soni S.B.I.Man Branch Chhindwara .

Demat Account kit already send by you but it is missed by us so please previouse kit and pasward do the cenclle and issue new kit and passward to and send to our current address

Sanjay Soni
[protected]

its happen sometimes, just go to bank & asked him that due to teller machine i couldnot pickup my money.bec ur money will remain in the atm machine & it will be credited to ur acount in a week.

Regards,
Vijay Patel
Katni

I have not received Rs 3000 by yersterday;s trancaction( dated 10/08/2009, Time- 19:14) from Union Bank of india, BTM layout branch, Bangalore-560076. My Account number is [protected].
My Account is in the Main branch of SBI, Katni.
so please tell me how can i get back my money to my account, please inform me as soon as possible.

Thank you,
Varsha Choubey

I am using SBI credit card since 7 years. I have done a purchasing of approx 16000rs. for whch i booked a flexi pay ( Monthly installments scheme) on phone. But the customer care executive didnot booked it on that time and they billed me entire 16000rs.I again called them they said its not been booked this was the mistek by the executive who dit booked it. In that month i informed on Customer care about the bll and informed them taht i will not be paying this entire amount as i have already booked a flexi pay. In that perticular month i havent made any payment. And in next month they charged me the intrest and late fee on that amount. Since that time i have been nforming them to renew the bill. But till today no revised bill came to me and the intrest they have charged me is 7000rs. I am continusly mailing them to send me the details of the intrest other vise i want to discontinue with the card but they are not even replying to my mail. And the recovery peopole are harassing me by calling atlist 15 times in a day.
I have told them i am ready to pay the intrest and the late fees if there is any except this flexipay transaction's intrest. But no rely is coming from their side.

What is the NAV of Magnum Tax Gain Fund-Dividend-Recod date of 15.02.2008

deals4allsbi — non receiving of product

I dr aditi das placed an order for a TCL handycom through my sbi card on 20 aug my order no.[protected].Till now the product is not deliverd. on repeated enquaryto oustomer service [protected](which responds at least sfter 20 mins charging 20 to 30 rupees per csll) it is told that will get the product wirhin 10 days.I already paid the amount Rs. 3164 to sbi card.

I have just ordered for a product from the same channel. My case was with HSBC card.. Firstly, there customer care is so pathetic, for the day long u ll be kept on hold. Now i realize what kinda mistake have i done by ordering thru them, I am hoping that it ll come by this monthend, lets see...

But please guide me what to do in case i dont reciecve my order.

How much time it generally takes to get the consignment ??? How much is the OCTROI generally ???? Because it was clearly written there that the OCTROI will have to be beared by the customer.

Should i approach any Consumer forum or smthn ???? Shud i go and meet them personally in Mumbai ????

Please suggest.

State Bank of India — Credit card card applications

Respectead Sir,

I beg to state that I am sudipta from barrackpore .
application for SBI I want to ATM Card.

Credit Card — New Application for credit card

I was applied for credit card but i didnt recieve anything for u r side and initially i go5t information that i will recieve card within 7or maxium 15 days but till to now just i got reference number and u r representive not attaining my call.

Dear Sir / Madam,

I wants to apply for credit card but cudnt able to search on site. Kindly reffer my request and revert back

KINDLY ARRANGE TO SEND APPLECATION FORM .

I wants to apply for credit card but cudnt able to search on site. Kindly reffer my request and revert back

I would like to apply for an add-on -card for my son Naveen Rayner Ernest in Bangalore.Kindly send me details/forms for this

sir,
i am holding yr gold card for the last 3 years, but i couldnt book the railway ticket viz e-ticket with yr crad. i tried apply for sbirailway card, but i didnt get the application. is it possible for changing my present gold card to sbi railway cradit card then pl. send me the application form immidiataly, so as to enable me to book the railway ticakt viz e-ticket.

reagrd,
Rajeev menon.

Kindly sbi raiway credit card aplication form

I have to apply for the new credit card but i cant get the application form.

Kindly arrange to send applecation form. And what are the document for credit card send me.

I dont get any numbers of sales representative of SBI Credit card at Nampally (Hyderabad).




Regards,
Shahbazullah Khan
nampally (Hyderabad)
M - [protected]

I call to Customer care and add my number also but they did not reply me from last 1 month.

I have to apply for the new credit card but i cant get the application form.

My contact no is [protected]. kindly revert back to me asap.

I have no cradit card. I want to make a creditcard for myself. I dont know how to apply and where to apply, whome to apply ? How I got the form for a new craditcard.

I have to apply for the new credit card but i cant get the application form. To whome and to where & how to apply plaease tell.

SBI — applying for credit card

hi sir,
i am working in infosys from past 1 year pls tell me how to apply for the sbi credit card
i am having debit card in sbi from past 2 years. so let me know how to apply for it.
thanking you

Dear Sir/Madam,

I have the SBI credit card, number [protected]. Since I am not using this card, I want to cancel it and also the annaul fees for the same.

Hoping positive reply,


Sachin S. Deshmukh.

State Bank of India / Credit Card — Railway Credit Card

I have applied for a Railway credit card through your web site, no one has contacted till date. I have requested 2 months ago. I have called your call centre and the responce was "some one will contact you with in 2 week of request" and again contacted for the same after 2 weeks and they told wait or get some other bank card. This is disgusting and i have already told the same to one credit card holder and he has cancelled after that. I'm going to do it with any one who comes across with your cards.

Regards,
Maha Praveen.P
[protected].

I am Army man. I want a credit card. I hope that you sent a credit card.

I am Army man.I want credit card .I hope that you sent to me a credi card.

i need new credit card

Dear, sir

I want sbi gold credit card, so i need online application form,
Please forword on my e-mail address.

I NEED NEW CREDIT CARD SO PLZ ARRANGE ME CREDITCARD FORM

arrange me credit card form

dear sir / madam,
i request you to please send me the requird format for the application of credit card of sbi bank since i require the same and let me know the procedure for application of the same.

i have to apply for a new credit card. but i can't able to download it online.
pls contact me to help.

I would like to apply for a suitable SBI Creditcard. Could you please send the requisite application form and let me know the eligibility criteria with procedure for application of the same. MOHAMADMAK.

i need a form for applying a add on credit card, kindly revert back .


Regads
V K VENUGOPAL RAO
[protected]

sir,
I am sailor in indian navy. I want a sbi credit card. i contacted with my branch in verem . I also call on help line no[protected],[protected]but i do not find any solution .Bank asked me to apply online .Sir i searched sbi web site about one weekand i do not find online application form for sbi employee card however i find a lot of other site advertishment in sbi web site. sir pls give me a right solution to apply for credit card through sbi reps only

regards,
sandeep kumar

sir my cell no is [protected]


regards
sandeep kumar

I have no cradit card. I want to make a creditcard for myself. I dont know how to apply and where to apply, whome to apply ? How I got the form for a craditcard.

I have applied several times for SBI card but received no response from your end. So kindly arrange to deliver the online application to my above mentioned e-mail ID.

With Regards
Anup Surin

Dear sir/madam
i have to apply for a new credit card could you please send the application form and the details pls contact me to help

18 year age valied atm card yes or no
help me
not allow my atm card state bank of india main markite muzaffarnagar

have no cradit card. I want to make a creditcard for myself. I dont know how to apply and where to apply, whome to apply ? How I got the form for a new craditcard.

The online SBI railway card site is awful I have been trying to fill this up since last two months. After filling up first few details as I move down, the other details disappear so again need to start from the beginning. I also had called up the help line numbers to seek their assistance. I was advised to down load the application form and send that to the Bank. Surprisingly even that did not work for the railway card. Please note that the application form for the normal SBI card could be downloaded.From numerous other comments it is evident that the site is in a mess since ages and the authorities do not seem to bother. ...That is a true NATIONALISED BANK ATTITUDE.
Subroto Mittra
[protected]

Credit Card Application Form
I have to apply for the new credit card but i cant get the application form.

I had visited the sbi branch but they also dont have the forms.

I call to Customer care and add my number also but they did not reply me from last 1 month.

SBI site is also not working properly so i cant download from the site also.

I dont get any numbers of sales representative of SBI Credit card at Thane (Maharashtra).

If the SBI Bank dont have the contact number then how the customer will got the numbers.

I am trying from last 2 months but yet i could not got the application form.

Regards,
Shailesh Utekar
Thane (Maharashtra)
M - [protected]

RESPECTED SIR/MADAM, I WANT TO APPLY WITH YOUR CREDIT CARD PLEASE SEND YOUR EXECUTIVES TO MY MOBILE NO [protected]

I would like to apply for a suitable SBI Railway Creditcard. Could you please send the requisite application form and let me know the eligibility criteria with procedure for application of the same. sanjay.

Dear sir/madam
i have to apply for a new credit card could you please send the application form and the details pls contact me to help

Sir.
I dont have any credit card i have taken an application form but dont understand how to fill up  the application form please help me
Mobile ([protected])

sbi cap securities ltd — Not Received the cover

Dear Sir/Mam,

A cover booked from Mumbai SBI Cap securities, on 25/11/2008 was not received till date and the pod no is:[protected]. Kindly do the needfull at the earliest.

Regards,
Parthasarathy L
[protected]

Dear sir/madam.
Today is seventh day since my web sight stands blocked.I have posted complaint
on friday but with little success. I am of the view that you people dont realise theloss/profit when
one is unable to sell or buy shares at particular time. your phone numbers are not fungtioning and always irretate
you that you wait for some time when this some time may last for hours or days.you are requested to
unlock my pass word .thanking you in anticipation
vijay moza
[protected]@yahoo.co.in

Dear SBI,

Im holding SBI Credit card No:[protected] .From last 7 months im not recieving any statement of my credit card.So im not able to check my status.Please take this high priority else i have to check with the alternate solution.Many time i forwarded complaint to SBI banch but im not able to fing any help from the bank.if this continous same then i have to close my account with SBI.Please do the needfull

The Manager
Credit card Division S.B.I
Ref:-Cheqe nos-053265 dtd-14.10.09 for Rs23, 212/-drown on Axix Bank Delhi.

Dear Sir,

I beg to say that above mentioned cheque wrongly dropped in credit card box in daryaganj branch delhi.
In back side cheque my name &Account nos mentioned here.

there fore I requested sir kindly deposited my cheque any branch of H D FC bank for clearence.or pls informed us my mobile Nos---[protected] i personaly collect this cheque where u call me.

thanking you
With Warm Regards.

Binay Kr.Jha
#[protected]

Dear Sir,
I am the one of the card holder of sbi bank ( Cadr No [protected]) but in last year may'07 Statment i cant purchase any flight tkts but they can give me a bill for this transation and said that this transation can be made by me the amount is around Rs 18000/- So Please do needful. My mob no [protected]

online connection with gesbi & sbi — cannot view my accounts

I had registered my online connections with the above companies. I used it frequently except for the last two months. Now I cannot I am not view my accounts. My connections are blocked for reasons not conveyed to me.

I too have been repeatedly writing to the services id advising that I have not been receiving my statement. Also, the last month I was overcharged. But this services id seems to be a bogus one for all we get is an auto response saying that they will revert in six days. There has never been any revert. Could any higher authority look into this service that is in shambles.

on 21.5.08
my name is mahesh kataria my a c no is[protected] i have received easy maoney draft from you of rs 30000/- and i have paid amount of according to settlement letter after than i cant understand that i receive call from office that your settelement letter is not valid .we are sending new settlement letter then your ac willl be clear this is not way to customer to harrese., i have already send you a mail yesterday but i can't receive any reply from you i have given atleast 5 times tracer no, of letter & receipt no. of payments
22.5.08
I AM FRUSTRATED OVER THIS ISSUE AND I FEEL IT IS HIGHLY ABSURD, RIDICULOUS AND ATROCIOUS ATTITUDE SHOWN BY YOUR ORGANIZATION TOWARDS YOUR CUSTOMER.
SORRY SIR IT WAS PAID IN TIME. IF THERE IS A PROBLEM WITH THE COLLECTIONS
WHY SHOULD A CUSTOMER BE PENALISED?

MY NAME IS GANDRAPU SIVAJI
REFER CARD NUMBER-[protected]
I HAVE BEEN COMMITED TO PAY SETTLEMENT DUE AMOUNT WITH THREE SHORTS TO YOUR LOCAL BRANCH MANAGER ON 2007 TROUGH ACCOUNT.AS PER COMMITMENT I HAVE PAID NO BALANCE .BUT CLOSING LETTER IS NOT GIVEN .I APPROCH TO LOCAL BRANCH SO MANY TIMES .BUT LOCAL BRANCH MANAGER IS TELLING CLOSING LETTER HAS GONE TO HEAD-QUARTERS (HYDERABAD) BUT MONTHLY CUMMULATIVE STATEMENT WAS DISPATCHING TO MY HOME ADDRESS.HENCE I NEED NOT TO PAY ANY AMOUNT TO YOUR CREDIT CARD
KINDLY LOOK AFTER THIS MATTER AS EARLY AS POSSIBLE
OUR ADDRESS:
GANDRAPU SIVAJI,
D.NO-77-16/1-29/3,
LAKSHMI NAGAR,
NEAR SANTHOSH TREATRE,
PAYAKAPURAM KRISHNA
520015

DEAR SIR,
MY NAME IS GANDRAPU SIVAJI
MY CARD NO-[protected]
THERE IS NO REPLY SIR FROM U R SIDE WHY SIR ???
I SEND ALREADY BEFORE 7 DAYS AGO SIR
PLZ REPLY AS SOON AS POSSIBLE
MY CONTACT NUMBER IS [protected]
PLZ REPLY SOON

sir, I am an add on sbi card holder. The primary card holder has sent a letter regarding my date of birthand received a letter from the manager customer services Ref Number MQ[protected] dated 11 aug 2009. But I tried to register my name with my add on card no [protected].The system say the card no is wrong. I dont no why the system is refusing to register, Requesting you make necessary steps to regaisterwith my own card immediately. Arunachalam.coimbatore.

RESP SIR
I HAVE FILLED THE CREDIT CADR FORM ON INTERNET FEW DAYS AGO IN FAVOUR OF ROHIT MEHTA BUT TILL NOW I HAVE NOT GET ANY INFORMATION FROM YOUR SIDE. PL DO THE NEEDFULL AS SOON AS POSSIBLE
THANKS

SBI CARDS, LIKE ANY OTHER, IS ROTTEN. ZERO / DISGUSTING CUSTOMER "SERVICE"! CEOs COME & GO, BUT NOBODY IS BOTHERED FOR YEARS FOR ANY COMPLAINTS! LIKE ROBOTS, THEY STICK TO SOMETHING THEY BLABBER! NO HUMAN SIXTH SENSE USED!

a trasaction of Rs 4000. was not done by me on 20th of aug 2010 with Universal computers please register my complaint and save me from imposed burden of Rs 4000.against Credit Card No.[protected]

SBI cards have the worst service.The SBI agent told me i could get a card with a high limit and made me do a term deposit.But at the end, all i got was card with lowest limit.So, there it goes, a card was given to me that i did not ask for and did not need.SBI must inform these agents about all this stuff!!please, for God's sakes, make them informed about what you offer.

Then.when i tried to cancel the card and take the money out of term deposit, they did not send me the closure letter 30 days after cancellation.They made me wait for another one month[can you believe it??one month to just get a letter] to get that letter.I wish i had never made business with SBI card.

I am not at all getting your statement of account monthly. Please send
your statement of account immediately, so that I can make payment within due date.

SBI Credit Card — Wrong Commitment & no Customer Service in Free Helpline

Wrong Commitment to provide the SBI Credit Card with in ticketing Avilibility of discount not in Sleeper Class.information not shared .
at the time of contacting the Call centre continue with 45 mins in one call & 18 mins in other call no executive recieved ...every half minites they are responding with please wait,executive will shortly attentd, the same is continued in 45 mins in one call & 18 mins in other calls.


Regards,
Jay
[protected]

no revertal recieved from the bank.
today also the same issue is customer care no body isicking the calls.more than 14 mins its still on..
at 00.13 mins..

Sir,
I am an sbi credit card holder, my card no-[protected].I had a complain regarding your bill statement of 17 Apr 2011in which Total Amount Due is shown Rs 5207.17 which incorrect.I have paid Rs9762/-of toal purchaseof Rs10131/-, so the amount due is Rs369/-.Pl clarify your bill stateman, so that I can make payment within due date.

Dear Sir,

Greetings! Long time back I was holding a SBI Credit card but later I cancelled that card because SBI was not fulfilling their commitment. They have offered some free gifts which they didn’t deliver even after 2 years. They were just keep promising and not doing anything/fulfilling their commitment.

Later I paid the balance amount after deducting the value they were showing for the gift and closed my account. I had sent a letter to SBI along with the card copy but still they were showing an outstanding of Rs. 2, 000+

Now, they are asking me to pay Rs. 16, 000+ and that’s the interest amount only. I really don’t know why they want me to pay the amount whereas I have already sent a letter to them by courier asking them to close my account.

They are really harassing me and I really do appreciate if you can help please.

With kind regards/ M.D. Kala

Dear sir.
I am mohit mehlawat
Card number is [protected].
I have called 25 times at customer care.
But no response to my request.
Should i go to the consumer court?
My number is [protected].[protected].
Request id is[protected].

Hi..

This is now hight without solving my problem your bank has started giving me threats. That also from a manager named Mr. Mondal. If your bank had made this fault by mis-communicating with me why you want your customers suffer for this..
On top of that I have agreed to make the payment of the purchases I have made. Now the minnow manager is saying he know the ways how to TAKE OUT MONEY FROM MY POCKET.. is this the way you all communicate.. it's sounds funny also that he is saying My bank used to pay the salary & from my pocket I have given you 60000 & I know how to TAKE it out.

My statements are very clear I don't want any call from your outsourced collection people's. If you bank had qualified person who can communicate with me please do so. Otherwise I'll seriously lodge a harassment call against both the person.

And till the time you will not waive the charges I'm not going to pay the remaining amount. You do it tomorrow I'll make the remaining payment day after tomorrow as soon as it'll reflect in the system. Or else confirm me over the mail..
Inspite of sending repeated mails at escalation id why that joker again called me from this no. [protected]. Have already told you that this person doesn't know how to speak professionally. What action has been taken against him ???? Who had given him an authority to shout on me. Are Sbi are recruiting bunch of jokers ?? Or just for the sake of replying you had mentioned that relevant action has been taken.

Regards/Shirsendu
[protected]

Tata card is really one of the worst services, I have come across in 8 years. The worst part is the recovery agent's harrasment. They do not have customer care service working properly. People should never opt for this card . If you tell me to rate the card, It is the worst among all existing credit card facility in India.They would always be there at your doorstep for money, but if you ask for the service, they will forget it and you will have to remind them again and again and finally they will again come for money.

SBI Credit Card — Sbi card questioning SBI's trust factor?

Hi,

I too had a trouble with SBI card !

I made an application for Sbi card during Dec/2006 . As I left India on that period, I put forward a request to customer service to cancel Sbi card that I delivered, but not opened or transacted.

After July/2007 occasionally(not every month though), I am getting an email with statement carrying 3xx Rs.

To clarify the curiosity about the amount stated, I called customer service to know more about my account. I got reply the amount charged(250 Rs.) was for an insurance, which I knowingly did not signed for.As I believed SBI and could not even think of it as an insurance for an unopened account.

So I asked the customer service executive about the Insurance policy number for wich I need to pay . Reply I got was, they do not have any insurance policy number . But still I need to pay for it.

Did anyone face same kind of hidden insurance trouble without policy number?

One of the printed document came with the card stated that all policy with the card is valid only if we use it . Even I cancelled it before first transaction, I got 250 Rs . This amount is for insurance, which I didnt asked for . And from the comments I infered tere was a cheating statement in Application about insurance. Even though it is free, you have to pay amount 5x Rs per month !

According to the statement insurance is valid only if card is valid. Card is valid only if we activate the card .So how is that hidden insurance valid without activating the card by signing in the back ?