SBI Credit Card — Credit card offer on a higher credit limit but card arrived with a lower credit limit.

Address:	560037
Website:	SBI Card

I was reached by a credit card customer care agent from SBI, named Arun. He offered me a credit card (Simply save card) with a credit limit of Rs. 2.86 lakhs and cash limit of Rs 40000. More over a credit manager from the bank named Santhosh had called me saying that my CIBIL score is very good (780/800) and so only they are offering me a credit limit of Rs. 2.86Lakhs. I submitted my documents and in just 2 days I received the card and to my astonishment that credit limit was only Rs.27, 000 and cash limit was only Rs. 8100. I immediately rang back to the credit manager who promised me that he will get back about the same the very next day. He came back the next day with another offer saying that my credit limit was increased to Rs. 2.7 lakhs and cash limit to Rs. 70000 and told me that he has sorted out the issue and will get the confirmation in 3 working days. Now its been a week, I have been waiting for the confirmation. I rang back to Santhosh again, who said he will get back after checking why it is delayed.. Now ever since then my number has been blocked. I reached out to Arun on 25th Jan 2016, he said he will talk to his manager and get back in an hour. He has also blocked my number now. I spoke with another executive called Diya, who said she will revert after reaching office and she too blocked my number. I'm feeling like a fool now. The card that I have now has a bill generated for Rs.499+tax which is the annual fee. I'm completely dejected by these ill mannered professional who for completing their monthly targets make a fool out of people. I have not even activated this card. not even obtained a pin for the card, but now I have to pay an annual fee for not even using the card. I'm holding a HDFC credit card for the last 1 year for which I'm judiciously paying the bills for my usage. I wanted a better credit limit and that too the same bank where my salary account is there, so I thought it is better, but fell for their crooked play. I want to cancel this card and do not want to pay the annual fee as I have not even used it. I also have spent lot of money and time in reaching these people for solving this issue but have been played on by them.