[Resolved]  State Bank of India — Additional Charges made, Statement not received properly

I've been an SBI credit card holder since 1999 and was quite comfortable with it till 2005. Now, the same credit card has become a big pain in the neck and is robbing off my mental peace.

When I became a card holder(1999), I had given my official address as my contact address. But in 2005, due to personal reasons I had given directions to redirect all correspondence to my residential address. Surprisingly, after some 4 months every letter from you, except my credit card statement reached my residential address correctly. Its 3 years now, and inspite of repeated calls to the deaf service centre, no action was taken. Somehow I found solace with the online service, to check my account statement and paid my bills.I had always made by payments within the interest free period.

Now, suddenly, I dont know for what reason I am unable to login. It says my account is locked. I had to keep in memory the transactions. SBI does not count a payment made before the billing date as payment received. Calling the customer service is futile, because we only have to listen to a computerized service and they have no way of listening to us (of course, not that they are going to respond immediately and with sense).

I made a payment of Rs.875 before my billing date, but that has not been considered. Though I have made all my payments correctly, when I called the service center, it says my current outstanding is Rs.1508 and god knows how, for this undue payment alone I have received a letter without any details of transactions. I've made the payment (though I'm at a loss) to get rid of your irritating and agonizing, irresponsible service. Inspite of this I'm not able to login to my account.

Never make a mistake of getting SBI credit card.