Credit Card Payment?

Question

Dear Sir, I hv a credit card  I hv paid all the amount bt still they have been charging above 2000/- against late fee with service tax where as I hv never been delayed in payment. Every they used call me for payment and when I make call no one is responding from their side. I am in a mentally pressure as they are disturbing every time. Please help me out.

 

Answer 1

Dear Surjeet

Credit card dues are to be absolutely paid, well within, rather ahead of the due date, else as per the agreement, late fee and interest would get levied.  If you are sure that the payments were being made as per the due dates, the Bank should not be levying any charges and if levied for any reason, should be reversed.  Please get in touch with the card recovery team of the bank, explain them the payments made by you and seek immediate reversal.  In the absence of proper response, you may complain to the bank's management and the process is as follows.

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

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)

RAJA