Non receipt of credit card?

Question

I, Mr. Jay Desai, like to inform you that approx in year 2004 I had applied for Credit Card but till date I had not received the same.Unfortunately from Couple of last few months I am receiving a call from executive by stating that there is a due of Rs. 36000/- on behalf of Credit Card Because of above incidence I am geeting mental as well as physical heracement.

Answer 1

Dear Jay

At the outset, let me clarify that this site is designed and managed 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.

A very weird situation.  Credit Card applied in '2004'.  Not received the same till date.  Dues are stated to be Rs.36000/-.  Highly improbable.  Please, personally get in touch with the bank officials, explain them and try to seek a clarification, as to why there were dues, when you never received a credit card.  The only other possibility is that, the credit card applied for by you, would have been delivered to some other person, might have been used and the bank is after you to recover the money.  Hence, the best course is to meet the credit card officials of the bank and get the facts, to decide upon future course of action.

RAJA