Credit Card Payment Issue?

Question

Hi, This is Mahesh from Pune. Credit card ka 4th EMI tha 3437.00. Mere a/c se auto debit hota he. 10 sept due date thi. Mere a/c me balance nahi tha. Isliye maine check payment kiya. Bank walo ne kaha ki check payment kiya to bhi auto debit ka fine lagega. So Maine check payment cancel kiya.. A/c me cash jama kiya. Fir bhi is month ka EMI 5700/- pay karne ko bol rahe he. 22 sept ko Cust care walo ne complaint liya hai.. Lekin Abhi take solve nahi kiya. Next EMI due date hai 11 OCT. So pls help me.

Answer 1

Dear Mahesh

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers to provide guidance for resolution of any complain/query in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Your presentation of facts is incoherent.  I assume that, probably your 4th EMI got delayed and the bank might be asking for higher EMI, which might be constituting late fee and interest.  The actual clarification regarding the breakup of EMI of Rs.5700/- can be given only by the credit card issuing bank.  Please get in touch with the credit card recovery team to understand the facts.  Do ensure not to overshoot the due date of October 2015.

RAJA