Wrong credit card given?

Question

Dear Sir/Madam, I, RUPIL DEV LAMSAR, wants to bring you in your kind notice that, last week i received a call from executive Madam regarding making a new credit card, i answered all her questions, after getting all my details she told me that i am eligible for SIMPLY SAVE credit card with annual fees of Rs.499/year which i accepted Then after giving my relevant documents i received another confirmation call regarding the same, that person also agreed for SIMPLY SAVE credit card and i agreed. Then after my house and company verification another call came for which i was told all the details about my card and i agreed. Then a message came on my registered mobile number having application that my annual fees will be Rs.4999/-. I was shocked to see that message. Then within next day my application got confirmed. I tried to contact the same madam who called me 1st, after several attempts i got a chance to talk to her, she told me that she has put up a query with same application number and my card will be changed soon. now today morning i received a call from courier boy that my card has arrived which i have denied to accept.( I have all recorded call details with me for future purpose if needed.) I am really shocked that entire procedure occurred within a period of 1week, so fast, whereas these things take a month, at last i got a wrong card for which i cannot pay more. I am unable to pay so much higher fees so how can i agree for that. Yesterday a call came to be for asking of denying the card, then that madam told me that it will be sorted out soon but no step taken till now. Already put a mail   back, still no call/mail received, i am worried that unnecessary charges will be cut from my account. So its a humble request you to please change/degrade my card as i have applied to SIMPLY SAVE CARD and not any other higher card, also kindly close the application asap so that bill should not be generated without any use of the card. Kindly do the needful.

Answer 1

Dear Rupil Dev Lamsar

If you are not interested in the credit card, there is no need to accept the courier.  Credit card issuance charges, if any would be debited in your card account only and not to any other account, unless there is any overdue.  However, to be on the safer side, please given a written request to your bank informing that you are not interested in accepting the credit card with such high annual fees and asking them not to deduct / debit any charges to your savings account.  In future, before filling in any credit card application, do make sure of the terms and conditions.

RAJA