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. 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
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