SBI Credit Card — payment related issue

Address: Hyderabad, Andhra Pradesh, 500049

I have taken a sbi credit card, in 2012, on lien of my fdr.. I have been paying the bills, regularly and promptly, but due to

Some unavoidable circumstances, per the past few months there was a delay in payments, but paying... The credit card people

Are sending the bill as they wish, instead decreasing the bill amount, they are increasing the bill amount even though i am not using

The card, i have given complaint to customer care, but no use, then i gave the complaint to sbi cards redress cell, they have sent

A mail to me, how they calculate, according to that also, the bill, amount is too high, same thing i have written a mail to them.

They, kept quite, and no reply.. Then finally i have sent they an email, asking them, to send me a mail about the procedure of

Adjusting the bill amount from my fdr.. Again they kept quite, no reply... Sir, i do not what they wish to do.. That is why

I am bringing this issue to you, here i am sending the copies of the mails in between sbi card team and me

Sir, my request is, kindly do the justice to me.. Here are the details of my card..

Name : nadipuri jayadev

Card no: [protected]

Dob : 06/07/1960

Mothers maiden name : n. Jaya

Registered mob no: [protected],

Email : [protected]@gmail.com

Address: 321, huda colony, mayuri nagar, miyapur, hyderabad-500049

Regards,

Nadipuri jayadev

Credit card complaint
Re: [interaction id:1-[protected]] statement related issues/statement calculation/clarification inbox
Add star [protected]@sbicard.com fri, sep 15, 2017 at 2:16 pm
To: [protected]@gmail.com
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15/09/2017,

Dear mr. N jayadev,

Thank you for writing to sbi cards.

This is with reference to your communication dated 14/09/2017.

We truly value you as our privileged customer and regret the inconvenience cause to you in the matter address to us.

Payment related:

We wish to inform you that we have received the payment of rs. 27, 000.00 made by you on 30/08/2017 and the same has already been credited to your sbi card account.

Please find below modes of payment’s and turnaround time for your reference.

1. Pay net - instant credit
2. Debit card - instant credit
3. Online sbi - 3 working days
4. Mobile banking - 2 working days
5. Electronic bill payment - 3 working days
6. Easy bill payment - 2 working days
7. Visa money transfer - 3 working days
8. Atm - 2 working days
9. Otc - 2 working days
10. Drop box - manual & electronic – 3 to 5 working days
11. Neft – 3 banking hours [ fastest, secure & convenient payment channel for making the sbi card payment ]
12. Cheque – 5 working days

Payments made till 3:30 pm via neft payment mode, will get credited within 3 banking hours, same day

A fee of rs.100 plus service tax (As per applicable charges) of 18% will be charged for payments made by cheque for an amount less than or equal to rs.2000 w. E. F. 1st april ’17. No additional fee will be charged for cheque payments greater than rs. 2000.

Charges related:

We wish to inform you that as per your statement 13/08/2017 the total amount due is rs.4, 80, 738.00 which is payable on or before 02/09/2017 and we have received your partial payment of rs.27, 000.00 on 30/08/2017 hence the finance charges with taxes has been debited from your account.

Finance charges:

We would like to inform you that in case the payments are missed or outstanding on the card is received less than the total amount due/ total outstanding amount, then interest charges are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder.

The finance charge will be levied at 3.35% per month plus government service tax @ as per applicable charges.

Please note that the finance charges will be calculated on opening balance as well as fresh purchases. This process continues till the complete outstanding on your card account is paid in full.

To be used only when there are cash advance charges on a/c –

In case of cash transactions there is no interest free period available at all.

The finance charges are levied at 3.35% per month plus government service tax (As per applicable charges) from the day of cash withdrawal, on a daily basis. The finance charges are levied till the cash transaction amount is paid back in full. (Hence, the outstanding on cash is liable to accrue finance charge for period between the statement date and the date on which full payment is received).

Late fee :

We would like to inform you that in case the payment of at least minimum amount due is not received by the payment due date, the late payment fee is applied subject to a minimum of rs.100.00 and a maximum of rs.750.00 plus government service tax (As per applicable charges).

Please note, the late payment fee will be applicable as per the below-mentioned slab, plus government service tax (As per applicable charges).

Nil for total amount due up to rs.200;
Rs.100 for total amount due from rs. 201 - rs. 500;
Rs.200 for total amount due from rs. 501 - rs. 1, 000;
Rs.500 for total amount due from rs. 1, 001 – rs.10, 000;
Rs.750 for total amount due above rs. 10, 001

Applicable tax (Gst):

We would like to inform you that gst is applicable on all fee & charges (Applicable on interest portion of emi also, if any running).

“applicable taxes” means: · for the cardholders having state of residence in the records of sbi card on the statement date as “haryana” - central tax @ 9% and state tax @ 9% · for the cardholders having state of residence in the records of sbi card on the statement date as other than “haryana” - integrated tax @ 18%

Reactivation of account:

We wish to inform you that as on date your sbi account temporarily stands inactive for usage. Please note that as on date your sbi card account holds an outstanding balance of rs.468, 650.21 payable to us.

We would request you to make the payment of at least rs.96, 007 on your card account for reactivation.

Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Soundarya r - customer service.
Sbi card.

[thread id:1-b51oa8g]

— original message —
From: [protected]@gmail.com
To: [protected]@sbicard.com
Subject: statement related issues/statement calculation/clarification

Sir, i made the payment of rs.27000/- on august 29th 2017. Before the payment my outstanding, bill was, 4, 55000/- but after the payment of rs.27, 000/- instead of decreasing the outstanding bill, it increased to rs.4, 68000/-, how is it possible... Please check it... N. Jayadev

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Add star jayadev nadipuri fri, sep 15, 2017 at 9:17 pm
To: [protected]@sbicard.com
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Excuse me sir,

When i have to pay the rs.27000/-, the statement
Shows that the outstaiding
Was 4, 52000/- but not 4, 80, 738/- please check the statement

Thank you,

Jayadev
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To: [protected]@sbicard.com more reply options

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Ext: re: [interaction id:1-[protected]] statement related issues/statement calculation/clarification inbox
Add star [protected]@sbicard.com sat, sep 23, 2017 at 1:42 am
To: [protected]@gmail.com
Reply | reply to all | forward | print | delete | show original
23/9/2017

Dear mr. N jayadev,

Thank you for writing to sbi cards.

This is with reference to your communication dated 15/9/2017

We sincerely regret the inconvenience that may have been caused to you due to miscommunication made, if any.

Outstanding related: we wish to inform you that as per last statement of your credit card account total amount due is rs. 462, 549 and minimum amount due is rs. 65, 204 due date was 2/8/2017 but you paid only rs. 27, 000.

Outstanding related: we wish to inform you that as on date the total outstanding amount on your sbi card account is rs 468, 650.21

Late payment fee: we would like to inform you that in case the payment of at least minimum amount due is not received by the payment due date, the late payment fee is applicable as per the below-mentioned slab, plus government service tax (As per applicable charges).

Nil for total amount due from rs.0-rs.200;
Rs.100 for total amount due greater than rs.200 & up to rs.500;
Rs.400 for total amount due greater than rs.500 & up to rs.1000;
Rs.500 for total amount due greater than rs.1000 & up to rs.10, 000;
Rs.750 for total amount due greater than rs.10, 000

Finance charges : we would like to inform you that in case the payments are missed or outstanding on the card is received less than the total amount due/ total outstanding amount or payment received after due date finance charges are payable at the monthly percentage rate on all transactions from the date of transaction in the event of the cardholder choosing not to pay his balance in full, and on all cash advances taken by the cardholder, till they are paid back.

Finance charges will be levied at 3.35% per month, if payable, are subject to levy of service taxes and are debited to the cardholder’s account till the outstanding on the card is paid in full.
In case of cash transactions there is no interest free period available at all.

The finance charges are levied at 3.35% per month plus service tax (As per applicable charges) from the day of cash withdrawal, on a daily basis. The finance charges are levied till the cash transaction amount is paid back in full. (Hence, the outstanding on cash is liable to accrue finance charge for period between the statement date and the date on which full payment is received).
Hence, we regret to express our inability in reversing the amount debited towards finance charges on your sbi card account.

Over limit fee: we would like to inform you that the over limit fee is charged at rate of 2.5% of over limit amount or rs.500.00, whichever is higher plus government service tax (As per applicable charges).

We would also hereby inform you that the credit limit assigned on your card account is rs. 450, 000.

Please note that the over limit fee is levied on your account due to exceeding the above-mentioned credit limit.

As a service gesture we have approved the transaction on your card to avoid any inconvenience while using your card at any visa accepted merchant outlets which is over and above the credit limit. Please note that if the outstanding amount exceeds the credit limit, however in such situation an over-limit fee is charged on a customer’s account.
Gst related: we would like to inform you that goods & services tax is applicable at 18.00%. On all fee & charges (Applicable on interest portion of emi also, if any running)


Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Rakesh kumar
Customer service– sbi card

[thread id:1-b51oa8g]

— original message —
From: [protected]@gmail.com
Sent: 15/9/2017 09:17:51 pm
To:
Subject: ext: re: [interaction id:1-[protected]] statement related issues/statement calculation/clarification

Excuse me sir,

When i have to pay the rs.27000/-, the statement
Shows that the outstaiding
Was 4, 52000/- but not 4, 80, 738/- please check the statement

Thank you,

Jayadev

On 9/15/17, [protected]@sbicard.com wrote:
15/09/2017,

dear mr. N jayadev,

thank you for writing to sbi cards.

this is with reference to your communication dated 14/09/2017.

we truly value you as our privileged customer and regret the inconvenience
cause to you in the matter address to us.

payment related:

we wish to inform you that we have received the payment of rs. 27, 000.00
made by you on 30/08/2017 and the same has already been credited to your sbi
card account.

please find below modes of payment’s and turnaround time for your reference.

1. Pay net - instant credit
2. Debit card - instant credit
3. Online sbi - 3 working days
4. Mobile banking - 2 working days
5. Electronic bill payment - 3 working days
6. Easy bill payment - 2 working days
7. Visa money transfer - 3 working days
8. Atm - 2 working days
9. Otc - 2 working days
10. Drop box - manual & electronic – 3 to 5 working days
11. Neft – 3 banking hours [ fastest, secure & convenient payment channel
for making the sbi card payment ]
12. Cheque – 5 working days

payments made till 3:30 pm via neft payment mode, will get credited within 3
banking hours, same day

a fee of rs.100 plus service tax (As per applicable charges) of 18% will be
charged for payments made by cheque for an amount less than or equal to
rs.2000 w. E. F. 1st april ’17. No additional fee will be charged for cheque
payments greater than rs. 2000.

charges related:

we wish to inform you that as per your statement 13/08/2017 the total amount
due is rs.4, 80, 738.00 which is payable on or before 02/09/2017 and we have
received your partial payment of rs.27, 000.00 on 30/08/2017 hence the
finance charges with taxes has been debited from your account.

finance charges:

we would like to inform you that in case the payments are missed or
outstanding on the card is received less than the total amount due/ total
outstanding amount, then interest charges are applied on the balance amount,
thus the payment starts revolving on the account, this is also applicable on
all the fresh charges incurred, in the same month by the cardholder.

the finance charge will be levied at 3.35% per month plus government service
tax @ as per applicable charges.

please note that the finance charges will be calculated on opening balance
as well as fresh purchases. This process continues till the complete
outstanding on your card account is paid in full.

to be used only when there are cash advance charges on a/c –

in case of cash transactions there is no interest free period available at
all.

the finance charges are levied at 3.35% per month plus government service
tax (As per applicable charges) from the day of cash withdrawal, on a daily
basis. The finance charges are levied till the cash transaction amount is
paid back in full. (Hence, the outstanding on cash is liable to accrue
finance charge for period between the statement date and the date on which
full payment is received).

late fee :

we would like to inform you that in case the payment of at least minimum
amount due is not received by the payment due date, the late payment fee is
applied subject to a minimum of rs.100.00 and a maximum of rs.750.00 plus
government service tax (As per applicable charges).

please note, the late payment fee will be applicable as per the
below-mentioned slab, plus government service tax (As per applicable
charges).

nil for total amount due up to rs.200;
rs.100 for total amount due from rs. 201 - rs. 500;
rs.200 for total amount due from rs. 501 - rs. 1, 000;
rs.500 for total amount due from rs. 1, 001 – rs.10, 000;
rs.750 for total amount due above rs. 10, 001

applicable tax (Gst):

we would like to inform you that gst is applicable on all fee & charges
(Applicable on interest portion of emi also, if any running).

“applicable taxes” means: · for the cardholders having state of residence in
the records of sbi card on the statement date as “haryana” - central tax @
9% and state tax @ 9% · for the cardholders having state of residence in the
records of sbi card on the statement date as other than “haryana” -
integrated tax @ 18%

reactivation of account:

we wish to inform you that as on date your sbi account temporarily stands
inactive for usage. Please note that as on date your sbi card account holds
an outstanding balance of rs.468, 650.21 payable to us.

we would request you to make the payment of at least rs.96, 007 on your card
account for reactivation.

incase of any query, would request you to click here or contact the sbi
card helpline at[protected]Prefix local std code) or[protected]. Ivr &
emergency services on helpline are available 24 hours and customer service
representatives are available from monday to saturday between 8am to 8pm or
you can get easy access to exclusive services & account information with
just a click. Visit our website sbicard.com or download the sbi card mobile
app to access self-servicing options on the go!

if you are not satisfied with the response, you can write to nodal officer,
customer service by clicking here or use the escalate button on the webpage.
you will receive a response within 5 days.

yours sincerely,
soundarya r - customer service.
sbi card.




[thread id:1-b51oa8g]

— original message —
from: [protected]@gmail.com
to: [protected]@sbicard.com
subject: statement related issues/statement calculation/clarification

sir, i made the payment of rs.27000/- on august 29th 2017. Before the
payment my outstanding, bill was, 4, 55000/- but after the payment of
rs.27, 000/- instead of decreasing the outstanding bill, it increased to
rs.4, 68000/-, how is it possible... Please check it... N. Jayadev
Reply | reply to all | forward | print | delete | show original

Add star jayadev nadipuri sat, sep 23, 2017 at 7:52 pm
To: [protected]@sbicard.com
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Dear sir,

As you told in the beginning of this mail the total
Outstanding was 462, 549, out

Of that i have that i have paid rs.27, 000/- so the out standing will
Become, 462, 549 -27, 000=

4, 35, 549, hoe can it become, 4, 68, 650/- even if you put late fee
Charges, according your

Given list, it will not become like that...

Regards

Jayadev
- show quoted text -
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To: [protected]@sbicard.com more reply options

Re: interaction id - 1-[protected] regarding payment... Inbox
Add star [protected]@sbicard.com thu, sep 14, 2017 at 7:16 pm
To: [protected]@gmail.com
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Dear customer,

Thank you for writing to us.

Your feedback & queries are important to us. Our customer service team will revert either through a call or an e-mail within 3 days.

The reference number of your case has been mentioned in the subject line of this correspondence.

To facilitate faster resolution & better experience, we have come up with a facility to raise queries/complaints online at our website: www.sbicard.com/email.

Looking forward to serving you.

Warm regards

Sbi card

Important: lost card needs to be immediately reported and blocked. To block your card immediately, use our automated ivr channel available 24x7 or contact our customer service representatives at[protected]Prefix local std code) or[protected]. You can also block your lost card at sbicard.com or through sbi card mobile app. Alternatively, sms block and send to 5676791.

[thread id: 1-b51wmx0]
"please do not delete thread id" message in auto acknowledgement"

— original message —
From: [protected]@gmail.com
Sent: 14/9/2017 07:14:30 pm
To: [protected]@sbicard.com
Subject: ext: regarding payment...

Dear sir, i have taken my credit card on lein of my deposit (Fdr) in sbi... Please send any of your executive immediately, to the bank, so that i can clear all your dues, by taking my deposit, and then you can cancel my credit card permanently... Even though i am paying, i am daily being disturbed, by your people constantly... Only for the past few months there is some delay in my payments... That is why i have taken this decision, so that there will not be any problem to you and to me.. Thank you, regards, n. Jayadev. Name: nadipuri jayadev card no: [protected] dob : 06/07/1960 mother maiden name : n. Jaya register mobile no: [protected]

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Add star jayadev nadipuri thu, sep 28, 2017 at 9:56 pm
To: [protected]@sbicard.com
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Dear sir,

It is getting delayed, for my amounts to be credited in my
Account, so kindly mail me

In detail, how to adjust my deposit amount, to pay the bill...

Thank you,

Jayadev
- show quoted text -
Reply | reply to all | forward | print | delete | show original

Add star jayadev nadipuri thu, sep 28, 2017 at 9:56 pm
To: [protected]@sbicard.com
Reply | reply to all | forward | print | delete | show original
Dear sir,

It is getting delayed, for my amounts to be credited in my
Account, so kindly mail me

In detail, how to adjust my deposit amount, to pay the bill...

Thank you,

Jayadev

On 9/14/17, [protected]@sbicard.com wrote:
- show quoted text -
Quick reply
To: [protected]@sbicard.com more reply options

Send save draft include quoted text with reply

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