Comments
Hi,
It is not appropriate to put my contact # on the public forum, I would not do that.
If it is a serious attempt to address my concern, you can easily find it using my application reference number #CCHR539A3V. Or let me know the email ID or direct contact # where I can contact you. For now, I have already send my details again on your customer care email id Customer.[protected]@sc.com.
Can you post your bank's policy on the issue I raised - "why your bank is reluctant to share the reason for rejection of a credit card application"
Hoping to hear back.
Thanks,
Avi
It is not appropriate to put my contact # on the public forum, I would not do that.
If it is a serious attempt to address my concern, you can easily find it using my application reference number #CCHR539A3V. Or let me know the email ID or direct contact # where I can contact you. For now, I have already send my details again on your customer care email id Customer.[protected]@sc.com.
Can you post your bank's policy on the issue I raised - "why your bank is reluctant to share the reason for rejection of a credit card application"
Hoping to hear back.
Thanks,
Avi
Dear Avinash,
Thank you for your comment. We request you to send an email to service.[protected]@sc.com providing us with your contact/ account details, so that our officials can contact and assist you.
Regards,
Standard Chartered India
Thank you for your comment. We request you to send an email to service.[protected]@sc.com providing us with your contact/ account details, so that our officials can contact and assist you.
Regards,
Standard Chartered India
I share the required details. But unfortunately bank is not sharing the reason - all they are saying that I do not meet some of their internal criterion and they can not disclose that to me as per internal policies. I actually started to think if bank is not bound to share the reason for rejection as per RBI policy or I am missing something here. This is more of a customer right or understanding the RBI policy in this regard for me than getting a credit card from standard chartered.
Attaching my ongoing communication
[protected] Forwarded message[protected]
From: customer.care <Customer.[protected]@sc.com>
Date: Tue, Nov 5, 2013 at 4:44 PM
Subject: Your recent communication with us (KMM15808900V46742L0KM)
To: avinash verma
Ref : 11/13/013263/SP/CRD
Dear Mr. Verma,
This is with reference to your e-mail dated November 05, 2013
We understand from your communication that you wish know about the rejection status. In this regard, we would like to clarify that on receipt of credit card application we will do various internal verifications like address verification, income documents, CIBIL score etc. As communicated in our earlier response that we are currently unable to offer you the above facility, since your application did not meet the certain internal criteria, as per our bank policy.
Also we do not disclose our internal policy guidelines with regard to the credit card application process. Hence we are unable to accede your request in this regard.
We assure you that this does not, in any manner, undermine your credit worthiness or standing with our bank. It is always a matter of disappointment when we are unable to accede to a request from our customer.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Sudha R
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP ) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html
Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html
Original Message Follows:
[protected]----
Well, again the answer is same. i did not meet internal criterion. What criterion.
Am i not having right to know as per Rbi norms ?
Pls give me specific answer. If your bank is an exception and does not need to adher, or I am misquoting the rbi guideline, pls let me know, i will not bother
-----Original message-----
From: customer.care
Sent: 05/11/2013, 11:10 AM
To: avinash verma
Subject: Your recent communication with us (KMM15753940V6904L0KM)
Ref : 10/13/131369/SP/CRD
Dear Mr. Verma,
This is with reference to your e-mail dated October 29, 2013
We are concerned to note that your earlier interaction with us did not elicit a satisfactory response. We regret any inconvenience caused to you in this regard.
We have reviewed your application reference number #CCHR539A3V.
We would like to clarify that on receipt of credit card application we will do various internal verifications like address verification, income documents, CIBIL score etc. As communicated in our earlier response that we are currently unable to offer you the above facility, since your application did not meet the certain internal criteria, as per our bank policy.
Also we do not disclose our internal policy guidelines with regard to the credit card application process. Hence we are unable to accede your request in this regard.
We assure you that this does not, in any manner, undermine your credit worthiness or standing with our bank. It is always a matter of disappointment when we are unable to accede to a request from our customer.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Vanitha TM
Officer - Customer Care
Attaching my ongoing communication
[protected] Forwarded message[protected]
From: customer.care <Customer.[protected]@sc.com>
Date: Tue, Nov 5, 2013 at 4:44 PM
Subject: Your recent communication with us (KMM15808900V46742L0KM)
To: avinash verma
Ref : 11/13/013263/SP/CRD
Dear Mr. Verma,
This is with reference to your e-mail dated November 05, 2013
We understand from your communication that you wish know about the rejection status. In this regard, we would like to clarify that on receipt of credit card application we will do various internal verifications like address verification, income documents, CIBIL score etc. As communicated in our earlier response that we are currently unable to offer you the above facility, since your application did not meet the certain internal criteria, as per our bank policy.
Also we do not disclose our internal policy guidelines with regard to the credit card application process. Hence we are unable to accede your request in this regard.
We assure you that this does not, in any manner, undermine your credit worthiness or standing with our bank. It is always a matter of disappointment when we are unable to accede to a request from our customer.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Sudha R
Officer - Customer Care
We would like to know whether you are satisfied with this e-mail interaction.
Please click on the following link to provide your feedback.
https://forms.online.standardchartered.com/public_website/india/e-survey/
Please do not disclose your PIN/One Time Password (OTP ) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website
For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html
Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback:
Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com
You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai – 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html
Original Message Follows:
[protected]----
Well, again the answer is same. i did not meet internal criterion. What criterion.
Am i not having right to know as per Rbi norms ?
Pls give me specific answer. If your bank is an exception and does not need to adher, or I am misquoting the rbi guideline, pls let me know, i will not bother
-----Original message-----
From: customer.care
Sent: 05/11/2013, 11:10 AM
To: avinash verma
Subject: Your recent communication with us (KMM15753940V6904L0KM)
Ref : 10/13/131369/SP/CRD
Dear Mr. Verma,
This is with reference to your e-mail dated October 29, 2013
We are concerned to note that your earlier interaction with us did not elicit a satisfactory response. We regret any inconvenience caused to you in this regard.
We have reviewed your application reference number #CCHR539A3V.
We would like to clarify that on receipt of credit card application we will do various internal verifications like address verification, income documents, CIBIL score etc. As communicated in our earlier response that we are currently unable to offer you the above facility, since your application did not meet the certain internal criteria, as per our bank policy.
Also we do not disclose our internal policy guidelines with regard to the credit card application process. Hence we are unable to accede your request in this regard.
We assure you that this does not, in any manner, undermine your credit worthiness or standing with our bank. It is always a matter of disappointment when we are unable to accede to a request from our customer.
Assuring you of our best services always,
Yours sincerely,
On behalf of Standard Chartered Bank
Vanitha TM
Officer - Customer Care
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19, Rajaji Salai, Chennai, Tamil Nadu, India - 600001
Please accept our sincerest apologies for the inconvenience you have experienced. We request you to provide us your contact details, so that our official can contact you to address your concern.
Regards,
Standard Chartered India