Bank — Credit card?

Question

Hi Team, I am very disappointed with the service provided by this bank. Well.. I had to start off with that line because I have got the worst experience with the bank credit card application. I have applied for a credit card for the first time for my emergency expenses or merchandise expenses. I was told by the Marketing guy named Ravi that I’ll be receiving a call on what type of card I will be needing. I Received a call twice or trice, but not for the type of card but just for my address confirmation for verification. After verification too I dint receive any call regarding what kind of card I needed. Then finally I received a card which had a very high joining fees and annual fees when there are many other cards which had very less joining and annual fees. Being a beginner in career I don’t want to spend so much on a credit card and moreover I won’t be using it much too. So, I immediately called the customer care who after listening to all my queries told me he raised a service request for reversal of joining fees. Later I called up many times for the status of approval and each time I was told that it was still under process. Recently I received a mail saying that the service request has been cancelled/closed and when I called up the customer care, he told me that it was not approved. So I asked them to cancel the card and then he told me that even after the cancellation I’ll be required to may the joining fees n taxes without even using the card. This is so pathetic n disappointing from a bank who, just to reach their Target give a random credit card and then when you ask them they say you need to pay for it without even using it. I am not going to pay it. Why should I ? Will never ever take another card or apply for any other card or recommend anyone to take a card from this bank

 

Answer 1

Dear Monika

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

I agree with your contention.  If you were not given a chance to choose the required card, you are free to ask the bank to cancel the credit card, which was given unilaterally.  However, ensure that you should not be making use of the card and appropriate written communication be sent to the bank and may be followed with an email.  Keep the copies of correspondence for any future requirement.

RAJA