Sending Credit card Bill which I don't have.?

Question

I have receive mail and SMS from bank credit card for Bill payment. But I am not having any credit card. when I reply them in there Customer care the revert me back to pay the bill first then tey will issue me theire Credit card. I don't want credit card. Please help me

 

Answer 1

Hi Samir,

Pleas follow the below steps :

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online furnishing the details.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

Answer 2

Hi Samir

If you have not applied for any credit card ever and never was in possession of one, happily ignore the SMS.  This response is based on your statement.  However, in the past if you applied for a credit card and got it, the bank might have billed you towards the annual fee, which you are bound to pay.  Please try to recollect and act accordingly.

RAJA