Citibank
Spoiling of credit rating and non-issuance of statements

Ihave two credit cards from Citibank under usince September. My credit limits were raised four times after RBI intervention from Rs 55000 to Rs 188000. Due to unavoidable reasons, I was unable to make minimum payments between July Octpber 2008. Their collection calls continued during this duration and stopped when I made a one-time payment of Rs 111000 on 30 Oct. However, in Feb they reduced my credit limit and confirmed having reported the same to CIBIL. Now since last two months I have not received my statements like many times in the past.

Due to non-disclosure of their staff, I am unable to get any response /understanding as to why my rating was lowered due to four months' bad performance. I have now used up limits as indformed by them earlier today vide a phone call from their Gurgaon office's number 0124-3390600.

They are also sending me promotional emails inspite of having confirmed in 2006 against doing so. Additionally, they have also declined me a Jet Priviledge Credit Card due to "our policy of not issuing more than two credit card accounts to one person". (For this fact, I don't have any written communication - justsome telephonic calls made to their customer service number 0124-2542484).

Please advse what to do.

Company: Citibank
Country: India
State: Uttar Pradesh
City: Ghaziabad

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