| Address: Kamrup Metropolitan, Assam, 781017 |
I have a SBI VISA Gold Credit card. As per statement of 15 Nov 2015, I had a due amount of Rs 17256.68. Due date was 5 Dec 2015. I made a payment of Rs 20, 000/- on 3 Dec 2015. But the bank auto debited Rs 17, 256.68 from my Savings Account despite the bill payment. I called up customer service agents through the helpline requesting them to refund the money paid in excess due to their auto debiting of my account. I was told that the unbilled usage of the current month would be adjusted. I protested that I would make the payment in the next month. The customer service agent said they do not have policy to refund if there is unbilled usage, which of course I had. I am a salaried individual. I receive a fixed monthly salary and prepare my budget accordingly. Payment of Rs 37, 000/- to SBI card out of which Rs 17, 000/- could have been paid in the next month has made me lose faith on SBI cards. I am yet to get my refund of almost Rs 7500/- till now, even after preparation of statement for the month of Dec 2015, which another customer service agent has said will be refunded by 31 Dec 2015. Why my funds are blocked by SBI Cards from 03-31 Dec 2015 even after adjustment of all dues. I intend to intimate the internet savvy public through blogs about this harassment by SBI Cards. I also have made up that I won’t use my SBI Card anymore(though it is not a big matter) and will never recommend SBI Cards to anyone.
State Bank of India [SBI] customer support has been notified about the posted complaint.
- There systems does not report Card due payment status in real time. Even if you have already paid the previous dues, they continue to add the same to current and show higher value for outstanding
- you get mails, SMS & phonecalls about payment dues even before due dates when you make a big purchase e.g. if you have made a purchase of say 20000 which is well within your credit limit and there still are 15 days before the payment is due, they start following up with you in a tone and way as if you have not paid the dues. This is highly insulting, disgusting and ridiculous. The people who manage SBI cards division are illiterate and unprofessionals!!