I have cleared all my dues for the credit card and was in a credit + position when i left india, i had the same problem there and a customer care executive assured me that my card would be released for operation, why the F##k then is my card still not working??? I cant even buy a damn book !!!

I had lost my SBI credit card no. 4317 5757 0967 6994, on 17/06/07. I have reported the same with SBI call center on 19/06/07 through my office landline phone (copy of my phone statement enclosed with this complaint). When I reported the loss of my card I also enquired if there was any misuse of my card and I was assured that there have been no purchases made against my card during this period. So I had put a request to block my card immediately and I was assured that the card has been blocked that time itself. As a policy of SBI cards they record all the conversations made with the customer care executives and hence they should have the recorded proof of this conversation as well.

There was a misuse of my card worth Rs. 29185.50 between a period of 19/06/07 to 21/06/07, mostly between 20/06/07 and 21/06/07 (Copy of internet statement attached, this is what I have picked from their website). As I had already reported the loss of my card and blocked the same so I was not worried regarding the misuses. I was not even informed by the bank regarding these misuses and I believe they did not even bother to block my card at all. The card got blocked automatically on 21/06/07 because of misuse at the ATM with wrong PIN (that is covered in the copy of internet statement attached).

I came to know about this only by July end when I called SBI customer care to enquire about the outstanding balance against my card. Since then I have complained to SBI, sent all the information regarding the misuse multiple times but have received no response of any kind from SBI Cards.

Meanwhile I have been getting continuous calls from the SBI call center/recovery agents and they are forcing me to make the payments.
In order to avoid any unwanted situation with their recovery agents I have been continuously making the minimum payment against my card. I have been continuously trying to resolve the issue with SBI. But looks like all my efforts are going in vain as they have rejected my plea and are not giving any kind of response.

Now the pressure from the recovery agents has become unbearable for me and I want consumer court to step in and resolve this issue for me as I am levied with heavy interest every month by SBI as I am making only minimum payment as this is not what I am suppose to pay.

I was offered a loan on my SBI credit card few months back. At that time they told that no extra charges and no sevice charges so i opted for it. Later i was shocked to see the statements with so many service charges and extra charges. when i asked them reagrding this, they are telling that those are the charges for SBI and government taxes on EMIs. This is really rediculous thing. They have to intimate before taking the loan as i asked for extra charges and service charges before itself.
Advising to all people that dont take any loan from SBI at all.

Dear Sir / Madam,

This is to bring to your kind attention that, the bill of my SBI Credit card is totally unfair (Rs.8209.00 on 18 Nov, 2007). Because after getting the Credit card all I have used is -- I have bought only an Indigo Air ticket on 27.08.2007 for Rs.2874.00. After getting your card I've categorically denied several times to your health insurance offers by calling to your customer care. And the customer care did confirm me that, all the insurances offer were deactivated from my account.

But I did not understand why did you send me the bills with absurd amounts--- on 18 Sep, 2007 Rs.7092.96 instead of Rs.2874.00 and so on next months.......... on 18 October, 2007 and 18 Nov, 2007. I reapeat once again that I only bought only an Indigo Air ticket on 27.08.2007 for Rs.2874.00 by using my SBI card and so the billing amount on 18 Sep, 2007 was supposed to be only Rs.2874.00.

I called to your customer care several times to correct the billing amount and all the times they promised me to do that, but again there were no results. So, last time I called again to your customer care with the same request on 04.12.2007 and they took a new request no.0063380111864 and promised me to correct the billing amount and asked me to pay the basic amount Rs.2874.00, which I only used with your credit card. And on 05.12.2007 I have already made the payment of Rs.2874.00 through the internet banking of HSBC Bank.

In these circumstances, I beg your kind attention to correct my bill amount as much I have used and and unblock my card as soon as possible.

with kind regards,
SABYA SACHI PAL.

Though I am paying in time, for last two months I have been charged the late payment penalty.For the current month payment I have recieved the statement on 30th Nov.2007 and the payment due date shown on the statement is 23rd Nov.2007.So please do the reversal of previous penalties and current month due date for pament.