[Resolved]  State Bank of India — Punishment for excess payment

Sub: Complaint about SBI credit card
Dear Sir,
This is to inform you I am holding SBI credit card since last 1.5 yrs. Keeping faith on their billing , I continued using card and making regular payments. In July2007 I took loan so its EMI also I started paying regularly from Aug2007 billing. As I was knowing my billing and EMI amount so in 1Sep2007 I made payment before billing date of Sep2007.So that excess amount of my payments can be adjusted in sep2007 bill. But SBI customer service call center asked me to make again EMI payment stating “early payment of EMI not accepted and excess payment of customer can be adjusted against purchases only and suggested me to do purchasing so excess credit amount of approx.Rs.3600/- can be adjusted”. So in Sep2007 and October 2007 billing also I paid EMI amount again even though extra credit balance was existing on my credit card account. So in Oct2007 I made intentional credit card purchases expecting SBI will adjust my excess payment but again they sent bill without adjusting my extra excess credit balance Of apprx. Rs.3600/-
This cause me a serious mental trauma as I had to borrow money from my friends to make SBI payment of Sep2007 and Oct2007 eventhough excess credit existing on my credit card account.Their costomer cares assured me many times in last 3months that they will adjust excess credit for purcheses but till today they have not sorted out the matter and finally they given me complaint no only in Nov2007.(in Nov2007 bill they shown balance credit adjustment but again shown balance debit adjustment whereas in actual this debit should not be existed)
Complaint No:MQ[protected] dt 14/11/2007 sub: Rectification of bill
Complaint No:MQ[protected] dt 17/11/2007
Complaint No:MQ[protected] dt 20/11/2007
Complaint No:MQ[protected] dt 24/11/2007
Moreover SBI costomer care keeps caller on hold and disconnects without answering after some time.
So SBI credit card punished me for making early payment i.e.before due date.
Expecting early sorting of this matter without any interst burdon on me as excess payment already i made, and hoping for proper reply from sbi or gesbi without any surprises.
Regards
Chandravadan S Goritiyal