I and my friend both have SBI Credit Cards. Normally my friend gives me money and I used to give him a my bank cheque for his credit card payment. Last month in the same way I gave him a cheque of Rs 3000/- against his credit card number, surprisingly the amount was credited into my SBI Credit card. I have all the proofs that the cheque was issued to his credit card number. When I call the customer care they are speaking very rudely and just simply saying that it is not possible. And on the other hand they are going on imposing fines in his credit card and not giving any solutions to the issue.

regarding case id=001-422-206 in which i had never asked for any loan, but they send me the dd for rs 47000/- which was returned on the same day but they are charging me interest and panel ties for the loan which ihave never asked and availed. Their recovery dept is mentally harnessing and continuously threatening me. Kindly look into the matter at the earliest and oblige.

During one of their marketing campaigns, the agents of SBI Credit Card thrust over me a credit card. I am very meticulous in using my credit cards. I also have credit cards of HSBC, HDFC, AMEX and Stanchart. I rarely use my credit card and always believe in using a debit card as there are no further headaches. I used SBI credit card during the past 3-4 months and was paying the bill in full (I never avail any credit). Last month also, I dropped my cheque in SBI branch in Anna Salai Chennai. Suddenly, on 28.08.2007, I received a call from one Mr.Thomas (if I remember the name correctly) who asked me to pay Rs.400 as minimum payment. I informed to him that all the bills are paid. He pleaded that the latest bill is not paid and the bill is delivered to one Mrs.Padmini. He also confirmed that all the bills are delivered to Mrs.Padmini. Again I confirmed that in the complex of four houses where I stay, there is no person by that name. But he never accepted it and insisted that he would send the executive for collection of the amount.

I informed him that I would like to pay the entire dues as I do not want any credit to continue. He was not aware what the balance was and as a passing remark, he told it is around Rs.3790. He also in an accusing tone told me that I have made some purchases against the credit card. He asked me what my conclusion was. I reiterated to him that I would like to pay it in full and he can send his executive along with an up to date statement. He said, he can't do that and insisted for Rs.400. He also pleaded his inability to raise a duplicate bill or send any e-mail to me. When I was clear that I want to make the payment in full, he said, in a concluding tone "OK, We will take action against you".

On 29th Aug, I received three calls from three different people from SBI Credit card asking for Rs.400. Finally, I could talk to one Sheela and informed her that I would like to pay it in full. She said, the balance is Rs.5,138. She would be sending the executive not today (29th) but tomorrow (30th).

I have all the doubts - are they really doing some good business? The person who threatened me with action, can he be called a salesperson? I also told him to verify my earlier transactions and he can note that I have always paid the amount in full, without availing a single paisa credit. For information, I always maintain a small credit balance in all my credit card accounts - I do not want to get into the whirlpool of these tactics.

Can anyone tell the people calling to understand that not all the credit card holders are thieves or defaulters. Resorting to threatening of action is become a fashion of today. If it crosses a certain level of tolerance, this tactic is sure to explode. Can anyone also clarify as to how the balance was Rs.3790 yesterday and shot up to Rs.5138 today? What is the system? I am unable to understand.

The very fact that this complaint board says there are 53 complaints on this company, raises a doubt in the user's mind as to whether the people talking to the customers know the business and their own limitations?

Anandateertha

Hi my name is Shyam S, I work for a software company in Bangalore. I have an SBI credit card. I had made a transaction of Rs 55000/- for my cousin. This was split in to 3 EMI' and it did not carry any interest. It just included a processing fee of Rs 336.72. My cousin is in to business and every month he transfers the EMI amount to my savings account and I pay the EMI. Even if my cousin couldn't pay the EMI prior to the due date, he assured that he will pay it along with the late payment penalty.

The first EMI of Rs 18671.00 was paid on 4th June 2007. The second EMI of Rs 18334.00 was paid on 20th July 2007. The second EMI was paid after the due date, The third EMI was supposed to be paid on 6th Aug, since my cousin couldn't arrange money by then and had no problem in paying the same with late payment penalty.

On 17th Aug 2007, a lady claiming to be from SBI called me from +914439830184. She told me about my outstanding balance. I asked her to send her representative to collect the cheque from me on 20th August 2007. Meanwhile on 18th Aug 2007 I have received an SMS from SBI which says "Your SBI Card bill of Rs. 19714.52 with due date of 05-SEP-07 has been dispatched." This "19714.52" includes the penalty for late payment, So on 20th Aug I carried a cheque of Rs 19715/- to my office. The representative "Manjunath" turned up only on 21st August 2007. The representative was not ready to accept the cheque from me as it was dated to Sep 3rd. My due date is Sep 5th. This had something to do with the commission.

The representative called up his manager Devraj 99860 24457 using my mobile. Then I received a call from +914439830184 and this time that rude lady was telling me that I have paid only one EMI so far. We had an argument and I challenged them to send an email stating that I had paid only one EMI, So that I can take appropriate action against them. Finally I received an email from [email protected] which did not mention that I had paid only one EMI, but it had my credit card statement.

The two EMI' which I claim to have paid was clearly shown in the credit card statements sent by [email protected] to me.

These guys n gals are either too careless or really handpicked dumb a***oles.

I can be reached at 094486 72562
--shyam.s

Card requested was Gold card but they sent some Social card with limit of just Rs 4000/-. When the balances was just Rs 2500/- & presented at an outlet for payment of Rs 500/- bill, the message read 'Services Terminated Contact Customer Care'.

Letter was written to AVP Customer Care with cheque of entire payment and request to close acct, the cheque was encashed but acct not closed, hence received a fresh bill. Is this the way of doing business? Fleecing people and shoddy attitude, that too from AVP Customer Care. GOD help those going in for SBI banking services. The worst is probably yet to come!