Till date i have not received my credit card but i my getting monthly statements for late payment fee?

Question

Hi this is Annie. i have applied for credit card aproximate 6 to 7 months back and submitted the required documents but i did get my credit card till date on calling up to the customer executive i came to know that my credit card was returned back to bank through returned despatch so i have requested to sent the same back to my office address but still i have not received the same. i my really tired of this. i m only being getting statements for late payment fee on regular monthly basis but i will not pay the same as i have not received the card to enjoy your service. its a kind request. kindly cancel my credit card which i have not received till date. i am disappointed from such type of service. kindly cancel asap. and stop sending me such statements

Answer 1

Dear Anee

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.

It is really sad that without being in receipt of the credit card, you are billed even with the late payment fee.  However, since you neither received nor used the credit card, you are not liable to pay the bill/s.  If you are not willing to have the credit card, may give so in writing to your home branch, asking them to cancel the card, while getting the charges / late fee etc reversed.  Do obtain an acknowledgement for any future reference / requirement.

RAJA