Standard Chartered Credit Card — Overlimit charge without intimation

Address:

Bangalore, Karnataka

I have a Standard charted credit card and I got charged for Rs500 overlimit. The assumption is that credit card will stop working after the limit crosses. What is the use of limit if anybody can over use it. If there is a value-added service like "Over draft" facility in banks, it should be with explicit permission of the customer and a silent transaction.

I called up customer care and explained my point of view but refused to reverse the amount for Rs 500. All my counter arguments of intimating the customer before allowing them to cross their limit did not go make sense to them. In my case I am asked to pay Rs500 overlimit for crossing the limit bt Rs 2234. I consider this as a pure case of cheating by Standard Chartered. I call it cheating, because it allowed me to cross the limit without informing me. They said that there is an SMS alert that can be activated to that I can get an SMS whenever I reach 95% of my limit, but this service is disabled by default. My question was "Why was this SMS service disabled by default?" Isn't this intentional cheating?

Secondly, I never agreed ever in any of my communication that I was ready to pay the over limit charge or approved of this service. Offering a service like this without explicit approval or signature from a customer should also be considered cheating, in my view.