Aug 02, 2022
Updated by subratg I am yet to get a response to my online account
However, I got a text that I have not been using my credit card ending with XXXX since 1 year and it will be disabled if I do not use it within another week
I have again sent an email from my online account asking for an explanation
Thanks
Aug 03, 2022
Updated by subratg There is still no response from Standard Chartered Bank, I paid the full amount including the wrong interest charged
Aug 06, 2022
Updated by subratg Here is the ludicrous explanation they have provided, which is not acceptable, please advise how I can escalate further :
28 July 2022
Ref: 07/22/086044/SP/CRD
Dear Mr Ghosh,
Thank you for writing to us and giving us an opportunity to help you.
This is with reference to your Internet Banking query dated 20 July 2022 regarding credit card.
We understand your concerns regarding the payment been credited across your card account number ending with 5634.
Here, we must inform you that in the absence of specific instructions from the customer, we ensure that the total payment received is credited to both your card accounts so that at least the Minimum Amount Due. The Bank can apply the funds against the card accounts for the balance, if any, at its own discretion.
Therefore, your payment of INR 2286.66 been apportioned towards the dues in your accounts on 6 July 2022 as follows:
· Account ending 1083, Amount INR: 2286.66
Hence, interest and financial charges were debited to your card account. We regret our inability to reverse the same.
Please feel free to write back to us for any further support. We will be happy to assist you.
We assure you of our best service at all times.
Yours sincerely,
On behalf of Standard Chartered Bank
Magdlin
Officer - Customer Care
Aug 06, 2022
Updated by subratg Here is the explanation I sent, even if I ma paying my dues for both cards within time, they are using that same payment amount and charging interest and penalty :
I paid the due amount for card ending1083 for that month on 3rd June 2022. Even when I paid that amount you did a TRFD in my card ending 5634, why ?
You mean to say even though I'm paying my dues on time for both the cards you want to penalize me with your dubious payment handling system ?
Look at this month's transaction, I again paid the amount of 2281.26 INR on 4th August for card ending 1083 and the same amount is reflecting as TRFD in my card ending 5634 immediately and you will now claim that my 2nd Aug payment due for card ending 5634 is partial and again charge penalty ????
Is this a new scheme for illegally extracting money or a mistake in your system you should rectify ?
Aug 13, 2022
Updated by subratg As per terms and condition bank may apportion if due amount is not paid within due date, however,
I paid due amounts every time within due date hence apportioning them and then charging interest
is ILLEGAL. They are violating the TERMS and CONDITION listed in their payment due slip.
Aug 13, 2022
Updated by subratg I have already paid extra 10000 INR due to your ILLEGAL interest charges as I paid all my dues within due date
Again this month the same thing has happened you have done ILLEGAL TRFD for dues paid separately within DUE DATE for both my accounts
I am not going to pay you any further if you are not able to resolve above and pay back the ILLEGALLY charged A4Interest and GST
Please cancel my cards
This is terrible service to a loyal customer who did business with you for over 20 years
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