Regarding Credit card statement?

Question

There is difference in my credit card statement of ending 7008. At the end of Dec statement by bill is 39164.67 and I have 7760.11 available limit. Later I paid 8000 and withdraw 10250 after that my available limit is 5510.11. After that I made two transactions of 195.05 and 749 and after that my limit is 3993.56. But they people charged 500 plus tax for over limit charges though I have limit of 3993.56. For this purpose I contacted CC and they changed entire thing telling that it is an technical issue. CC people are not at all solving the issue.I raised 3 to 4 requests for the same. Simply they are closing the issue putting in comments as I am unavailable.

Answer 1

Dear Tulsiram,

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.

Since you have not received required clarification, I advise you to take up the matter with the Nodal Officer of your bank through email or letter, providing complete details in a manner he can understand the issue. Only then he can refer it to concerned team for clarification and based on which he can explain to you the factual position. Contact details of Nodal Officer can be found on the bank's website. 

In case you do not receive any response or the response is not to your satisfaction, you can escalate the matter to the Banking Ombudsman for resolution. 

For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/