Dear Sir

I was holding your creit card. During the time of application I was not informed for any type of annual Fee. When i recieved my 1st statment, I had been charged a sum of Rs. 1600/- as Annual Fee. I contacted your Customer care Centre. I am already holding Credit Cards of different bank, but I had never been charged any fee from any bank. I requested to waive the same, but I was informed that waiver is not possible. Till the time i rrecived another statement including penality charges and late payment fee. Onece again I contacted your Customer care Centre and again I was replied that no waiver will be given even in late payment charges and penality. I have been reularly being followed for the payment of full amount. Finally I contacted your Ahmedabad Office and I was informed that if I pay minimum amount of Rs. 1600/- further request for waiver will send and card will be Re Issued to me. I have paid Rs. 1600/- in your Ahmedabad main branch 31/12/07. After depositing the amount I contacted to your Customer care Centre. I was informed that now Card can not be issued as it has been already cancelled.


I would like to inform you that I had no intention to not to pay my outstanding. I had made some transaction before receiving statment and I had paid the same. There was no principal outstanding in my card. As I am paying your annual Fee and the balance amount after waiver. I would like to use my card. I am having Credit Cards of other banks also and there is outstanding or any problem with these Credit cards.

I would like to request to Re Issue my Card and waive my late payment charges and penality.


Thanks Regards


Ved Prakash
Card No:4718610100097394
Mobile No. 998800978