SBI Card — UNWARRANTED CHARGES DEBITED IN CREDIT CARD ACCOUNT

Address:

Bhopal, Madhya Pradesh

Sir I was using sbi card [protected] Since 6 Years and have good Payment History never defaulted, In Oct month I have errorly paid 11081 against 13080 bill hence 2000 short payment errorly made. But for this 2000 short payment they have levied charges of 1050 as finance chages in Nov14 and also charged int on the same for Dec 14 and Jan 15 Aounting to 2200+(Approx). Below is the reply i have received from them: 13/1/2015 Dear Mr. Akash Shrivastava, Thank you for writing to SBI Cards. Charges Related: We would like to inform you that for the month of October statement dated 20.10.2014 the total outstanding amount to be paid is Rs.13, 080.34 but we have received only the partial payment of Rs.11, 081 and aslo for the month November statement dated 20.11.2014 the total outstanding amount to be paid is Rs.25, 070.71 but we have received only the partial payment of Rs.24, 000 so we have charged for the finance charges. And aslo we regret to inform you that we are unable to reverse any charges towards your card account. Finance Charges Related : We would like to inform you that in case the payments are missed or outstanding on the card is received less than the total amount due/ total outstanding amount, then interest charges are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh purchases incurred, in the same month by the cardholder. The finance charge will be levied at 3.35% per month plus government service tax @ as per applicable charges. Please note that the finance charges will be calculated on opening balance as well as fresh purchases. This process continues till the complete outstanding on your card account is paid in full. GST (Government Service Tax) Related : We would like to inform that the GST is applicable for all the charges debited to your card account at the rate of 12.36%. Incase of any query, would request you to reply at [protected]@sbicard.com using the same subject line or contact the SBI Card helpline at 39 02 02 02 or[protected] if calling from MTNL and BSNL lines ) . IVR & Emergency Services on helpline are available 24 hours and Customer Service representatives are available from Monday to Saturday between 8am to 8pm. If you are not satisfied with the response, you can write to Nodal Officer, Customer Service at [protected]@sbicard.com using the same subject line. You will receive a response within 8 working days. Yours sincerely, Suganthini K - Customer Service [THREAD ID:1-16YM6NO] -----Original Message----- From: [protected]@gmail.com Sent: 24/12/2014 11:06:43 PM To: "Feedback (SBICard)" <[protected]@sbicard.com> Subject: REGARDING CHARGES ON CARD STATEMENT Sir, This is to inform you that on my card [protected] Akash Shrivastava in statement of nov2014 and dec 2014 some entries of retails charges such as : NOV2014-> FIN CHARGE ON RETAIL (EXCL GST 129.74) 1049.61 DEC2014-> FIN CHARGE ON RETAIL (EXCL GST 70.38) 569.45 Total Amount(1049.61+129.74+569.45+70.38=1819.18) Kindly reverse Rs 1819.18 as this is not applicable in my case since regular payment is done and usage remains within limit. Regards Akash Shrivastava