Ratnakar Bank Limited — Bad credit card services by rbl

Address:	110037
Website:	www.rblbank.com/CreditCards.aspx

RBL bank in the 2nd month o[censored]sage of its credit card, blocked my credit card for payments without even informing me. I hadn't used the card for the first month and hence did not care to check for payment dues myself otherwise i do it well before the last due date. I had put this card for online automatic payment and it declined today twice giving no reason. Now when I called the Bank's credit card customer service they tell me its RBI regulation that they can block my card without intimating me on phone or email (they say they have sent sms but that's not there in my phone) and that they have no method to unblock it until they update the card payment in 3 days. Even when i give the proof that i have paid the amount well above the usage this month. I will probably consider returning this card and cancelling their services due to worst customer service i have found here. I already use 3 other bank credit cards and they are never so worst in customer service. I want people to know so they don't go to this alien bank which even charge annual fees in advance and that's what causes the whole issue. I couldnt care to remember to pay dues for a card that i havent even used yet. and if they could have told me all this before I could better have avoided than wasting my time complaining.