Hi,
I have a Barclay Credit card. i regularly used to make payments up until recently when i was unable to make the payment of Rs 600 of my card due to some personal reasons. That's when the torture started. I started getting at least 20 calls a day from collections team. i told them that i will make the payment next month. They said that i will have finance charges to which i agreed. Still they continued to make calls. Every time i gave the same information. I realized that they were not doing anything with the info i gave them. Finally i decided to close the card as the torture continued for 20 days. When i was planning to close the card, they gave me an option of converting my outstanding into EMI. As it was convenient to me i agreed. They asked me to make the first payment of Rs550 and informed that the rest will be taken in ECS. They even got approval for the ECS. The first installment is due this month 16th. For the past 10 days i again started receiving calls from collections team. When i told them that i converted the outstanding into EMI they say they don't have that info. When i called customer service they say i don't have to pay anything. I still receive calls every day. There is one rep Govind who even spoke very rudely with me. He even asked me why i am not paying when i used the card. He argues every time when he calls. i also have 5 other credit cards. I have a gold card with Citibank for which i have a due of 3.5lakhs. But they are very humble when they talk to me. I strongly advice not to go for Barclay as they are worse than a local financier. They don't respect their customers. Even my friends had bad experience with Barclay. They all canceled the card.
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