Credit card service?

Question

I have recently got an credit card. I had mentioned my mobile number, email address on the application form.  But then somehow after the billing cycle I didn't get an email nor was the hard copy delivered to my billing address. Due to Which I failed to make the payment on time. This is their mistake for not providing me the hard copy of the statement nor an mail. After talking to their consumer cell they say it's not our mistake charges Cannot be reversed. This is completely wrong on their path. They are not ready to listen. Worst service that I've ever got from banking sector till date.

Answer 1

Dear Palash,

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.

You would appreciate that these days banks send SMS alerts on every credit card transaction. Besides sending monthly statements on email and hard copy as per your choice, banks advise the consolidated amount  of dues payable for particular month well in advance by SMS. Even due date is also part of the message. In this situation, your argument that you  could not pay the dues  because of non receipt of statement cannot be justified.

In order to not to spoil your credit score I suggest you to make the payment without delay. You may still pursue with the bank for waiver of penalties. Waiving the same will be entirely at the discretion of the Bank.It cannot be a matter of your right.

Regards

 

J R Mohandas