I am having a Manhattan Credit Card ending with 4552. i've opted for Card Enhancement Pack (CEP) Insurance which is worth of 4000/-. Once i received the CEP and looks to me it was not of much useful to me . so, i've gone through the CEP cancellation policy and it says that if cancellated with in 7 days no charges applicable. so i've cancelled the CEP with in a day itself. But the Manhattan deducted 25% and 75% was refunded. for me 25% was huge and on top of it service charges. but the in policy says if cancelled with 7 days there wont be any charges. but this did not happend with Manhattan and charged 25%.

Customer care was horrible as i've been called on this issue many times and each agent says differently. initially one agent told that no charges if cancelled immedially and another agent confused himself says it's Annual maintenance charge, etc..
So Customer care was horrible. so i prefered email communication. Manhttan cusomter care was not justing about the deduction of 25% on CEP. They are always saying that their inablity to refund.

i was keepon sending emails to Manhattan on this issue. please justify the inablity to refund (by reading/sending through CEP cancellation policy and also by voice recorded communcation with the Agent when i've taken the pack.).
But it's of no help.

i believe manhattan was horrible in terms of charging on customers/in terms poor customer care/confusing the customer by sending 2 to 3 card statement if opted for anything/even poor email communcation/sometimes charges even if paid with in the dealine. i definitely not recommand any one to go for Manhattan.

i'm not sure if this complaint would be useful but at least i want people to know about Manhattan credit card.

Thanks