[Resolved]  State Bank of India — Overlimit Charges

Sir,
I have copied all the mails written to SBI Card and their next redressal system i.e. head.sbicard but for no genuine response. Please go through my case and if possible get me some relief from them.

Date: Wed, 3 Oct 2007 18:36:27 0100 (BST)
From: "Rakesh Gupta" <[protected]@yahoo.co.in> Add to Address Book
Subject: Fwd: RE:'CaseID=[protected]'CARD NO.[protected] EXCEED LIMIT CHARGES Rs1115.44
To: "head.[protected]@ge.com" <head.[protected]@ge.com>

Note: forwarded message attached.

Sir,
I have written previously my complaint about charging
of over limit charges. Last one was mailed on
[protected] copy of which was endorsed on your mail ID.
But I got no response from you till date.

All of issues have been raised in the forwarded
message attached with this mail. Further in statement
dt[protected] a check pick-up charges of Rs.61.60 has
been debited to my card account while I have made all
the payments using drop box facility.

I once more request you to revert the overlimit
charges charged in my statement dt[protected] and
check pick-up charges in the statement dt[protected].

I hope that you will go through my grievance
sympathetically and revert the charges and give me
time to repay the outstanding amount. But if you too
do not understand my grievance, I will be free to
raise the issues on other available forums.

Hoping your favorable response so that our long
relationship would not end bitterly.

Rakesh Gupta





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Forwarded Message [ Download File ]

Date: Mon, 24 Sep 2007 11:22:13 0530
From: "feedback.gesbi" <feedback.[protected]@ge.com>
Subject: RE:'CaseID=[protected]'CARD NO.[protected] EXCEED LIMIT CHARGES Rs1115.44
To: "Rakesh Gupta" <[protected]@yahoo.co.in>

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24 September 2007


Dear Mr. Gupta,



Thank you for writing to SBI Cards.

This is with reference to your communication dated September 19, 2007 regarding your SBI card account.

Over Limit Fee : We wish to inform you that we are unable to reverse the over limit fee levied on your SBI card account.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com without altering the subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).

Yours sincerely,


Manager - Customer Service












-----Original Message-----
From: Rakesh Gupta ([protected]@yahoo.co.in)
Date: Wednesday, September 19, 2007 03:41 PM
To: feedback.gesbi (feedback.[protected]@ge.com)
Cc: head.[protected]@ge.com (head.[protected]@ge.com)
Subject: RE:CARD NO.[protected] EXCEED LIMIT CHARGES Rs1115.44


Dear Sir,
I was very much surprised with your reply. You didn't gone through my grievance, but stood on your stand. I wish to submit my request that when in the statement dt 20-05-07,20-06-07 and 20-08-07 there was credit limit available only then I used the card and made the purchases. Al of sudden in the statement of 20-08-07 my credit limit went into negative. It is very much surprising. I used the card only when there was credit limit available in the statement and so why you allowed to swap the card. Then all of sudden how is it possible to pay the entire amount. If there would be no limit in previous months I would have not made the purchases. It is not logical to reduce the available limit in one month. Moreover my last flexipay installments was in the statement of 20-05-07 whose due date was[protected] and after that two statements dt 20-06-07 and 20-07-07 there was no decrease in available credit limit. So how can I presume that my limit has been reduced to that limit which was 26 months back before flexipay.

Moreover I am also using other credit cards too in which limit is not enhanced at the time of EMI conversion but as and when EMI instalment has been paid the limit available is being increased upto that amount and such an embracing position never arrises.

So kindly look into the matter sympatheticaly and reverse the charges due to exceed limit. Moreover I would aso request you that the limit fixed in my card is since[protected]. So it can be reviewed too. But if it is not possible, I assure you that I will repay your entire outstanding in a very short period and would not like to continue the relationship with such a card manager whose transparrency is of such a harrasing.

Hoping your favourable and sympathetic response.

Rakesh



"feedback.gesbi" <feedback.[protected]@ge.com> wrote:
19 September 2007



Dear Mr. Gupta,

Thank you for writing to SBI Cards.

This is with reference to your communication dated September 17, 2007 regarding your SBI card account.

Over Limit Fee : We wish to inform you that the outstanding on your SBI card account has exceeded the credit limit assigned on your card account. So, your card account has been levied with over limit fee.

We would like to inform you that the credit limit assigned on your SBI card account is Rs. 54000.00.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com without altering the subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).

Yours sincerely,


Manager - Customer Service











-----Original Message-----
From: Rakesh Gupta ([protected]@yahoo.co.in)
Date: Monday, September 17, 2007 08:58 AM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: CARD NO.[protected] EXCEED LIMIT CHARGES Rs1115.44

Sir,
I am a regular user of the card. I am using this card almost for last 5 to 6 years and was very much satisfied with the services as well as transparrency of the card over others. But when I got the statement dated[protected] and before it one inland letter dt[protected], I was very much shocked to know that I have exceeded my limit and the above charges have been debited to my account and all of sudden I was told to pay minimum amount due which is Rs.44,661.85.

In this context I have to submit I am using my card regularly within my available credit limit and used to pay minimum amount due regularly. In the month of May I swap the card for Rs.17864.00 and in June for Rs.10000.00 which was within my credit limit. In the statement dt[protected] I was shown available credit limit of Rs. 6490.63 and so I paid a petrol bill of Rs.799.66. After this, in the statement dt[protected] my available credit limit was nill and minimum amount due ws Rs.44,661.85. Now it is very surprising that within a month my minimum amount due went up by almost Rs.40000.00.

So plz look into the matter and revert the fee charged for exceeding credit limit and adjust credit limit position.

Hoping ur early response.