AXIS BANK SILVER CREDIT CARD
Illegal charging of money

I have one Axis Bank Credit Card. They ALWAYS deliver the bills late. They delivered the statement for month of December much after the last date of payment. They only sent an SMS mentioning the total amount. Naturally i waited for the statement and hence got late in paying as well. They immediately deducted all the charges for late payment in the bill for January.

In another occasion the bill for the month of February did not arrive at all. In fact it has not arrived till date. In that case also i waited. Again i paid late due to this. They immediately deducted the related charges for late payment in the bill of March.

How can the bank expect me to pay the bill without delivering the bill statement on time? It is the bank's responsibility to dispatch the statement on time and also ensure that the statement reaches me on time. If the statement is not delivered before time, then again it is the banks responsibility to provide the bill online or send an email containing the detailed statement. And all this has to be done in such a way that the card holder gets at least 15 days time to pay. I can substantiate my claims by referring to an RBI notification (Circular No: RBI-06/211DBOD.FSD.BC.49/24.01.011-06) articles 2a and 3a.

In this manner Axis Bank Credit Card has taken more than Rs 1400 from me. When i write to Axis Bank customer care they simply refuse to give me back my money. They do not care for any circular by RBI. They simply keep saying that the bill has been delivered "according to their records". How can their records have the delivery date. Their records will only have the "dispatch date".

I want a solution to this shameless looting of money by Axis Bank Credit Card. They do not have any online system. They do not have a reliable bill delivery system. Why have started a credit card at all. They do not even bother about customer satisfaction. They write lies in their emails saying that the bill has been delivered when actually it has not.

Company: AXIS BANK SILVER CREDIT CARD
Country: India

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