Credit Card Enrollment Fraud?

Question

For the past 10-12 days, I had been getting calls from bank regarding their Regalia Credit card. The associate communicated to me that based on the "Excellent credit score you have along with the Salary structure" you are entitled for Regalia Credit card. which comes with benefits such as "Complimentary Taj Inner Circle Gold membership" etc. The card had lifetime free membership if I attached my Mobile post paid bill as a reference & paid it using the new card for 3 months continuously. However, on the day of collecting the papers they conveniently changed their statement saying that "Sorry for the miscommunication". We need two utility bills, else we can only give you a lower card with lesser benefits. This is a clear case of cheating new subscribers into the Bank. I am contemplating to taking a legal action against your bank for the same.

Answer 1

Dear Praful

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.

Issuance of credit cards with privileges/benefits attached is prerogative of the respective bank, based on various criterion.  Contemplating legal action against certain verbal communication / promises would not be advisable.  There are good number of banks offering credit cards with excellent deals.  May compare and and make an application.

RAJA