Credit Card late charges?

Question

My Credit card  net due paymet is 3250, due to some confusion i had paid 3200. due to which i was charged late payment charges of 700 + Tax which resulted in negative balance and another 500 for negative balance. As i am using this card from 3 years and paying you regularly request you to kindly waive off these charges. I had written this on their site also and mailed also but there is no revert. it just 50 rs less payment and i had to pay 1200 rs + taxes on the same and bank is not interested in reverting on the same.

Answer 1

Dear Archit,

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 understand your pain. There can be no reason for the bank not to consider your request if you have maintained a clean record for 3 years. I suggest you to  take up the matter with Nodal Officer of your bank through email or letter, providing all details. I am sure you will get a positive response.  Contact details of Nodal Officer can be found on the bank's website.

Good luck

Regards

 

J R Mohandas