Its really very pathetic experience I have faced with the AXIS Bank credit card service.
From the month i have taken this card I have been calling up the call center for one or the other reason as soon as I get my monthly statement.
To my surprise in the first month I found that there was a joining fees that was levid on my card (as it was communicated to me that it will not be charged)
After some days I got the message that the amount has been paid (I was not aware who paid the amount)
When I received my Axis Bank Savings Bank statement I came to know that the amount was deducted without my knowledge. When I conatcted your customer service they said my axis bank account is linked to my credit card and auto debit facility is activated.(I never opted for the same).
I requested to calcell the same. They said as it was too late they cannot stop the auto debit for the coming bill but will cancell from the next bill onwards.
I said OK and asked them to take out my bill amount from my bank for that month. Being under the impression that the amount will be automatically deducted from the bank I did not pay the bill.
But again to my shock I got a message after the due date that my credit card bill is due and I need to make the payment. I called up the call center again and they nicely told me that as my auto debit facility was cancelled I had to make the payment. (I was asked to do VISA transfer for which I spent Rs 25 more)
I had explained the whole thing and told him that I should not be charged with any late payment charges and he said ok.
But I received my card statement I saw that not only the late payment charges were levid but also the interest for the period were levid, which aounted for Rs603. Almost 4 months passed every month I call up but no response.
I lost my money, my time in calling and following up for something which never happened
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