I had been given axis bank credit card for taking home loan. They charged 500 rs for this credit card. I was really not interested on this but still I went for it and started my worst experience with it. Initially I din’t knew much about this card, I started using it which has credit limit 37000 rs and available cash limit 6700 rs which means I can use it for shopping as well as I can withdraw amount from ATM. For the first month I did online shopping of 500 rs and withdraw 300(100 rs 3 times ). total it should have been 800 but I got total due amount as around 1800. I wanted to know the reason and by the time I get the response from customer care(u hv to wait for half an hour if u hv to talk to them ) due date was already crossed and now I have to pay 300 more.I just neglected it and decided not to go with this card.
And I waited and got the letter from them to pay 2158 rs(included some debit charges, late payment fee, cash advance fee and service tax n all). I really dint care much on this info but I just called the customer care to cancel the card asap(after calling for so many times and waiting finally I found someone to speak). They took my complaint and they told me to pay the amount and they will call me back in 2 working days and I paid the amount and they did call me back saying " I m really sorry that u r going to cancel the credit card" and some junk talks about offers n all and finally they agreed to cancel and they told the card is cancelled. I thought this is over but no this is not over.
I got the credit card statement again even after they told its cancelled and the amount is 10.83 rs(service tax 1.19 rs and debit interest 9.64 rs). I have done nothing with that credit card and still they are telling me to pay and if u neglect this and if u don’t pay u will be again charged 300 rs and the reason "late payment fee". And finally I came to know they are the real cheaters!!!
I had much time to call them and ask about the reason of all these charges and I called them on "Payment due date" and asked for the status of credit card. I also told them I had requested to cancel the card. And after some time they told that the complaint still is in pending state (after calling them so many times this is what the response I got). And I asked them the reason for complaint still in pending state. Response from them is just silence!!!. And after sometime they told me to be on hold. I waited for 10 minutes and they told the reason as "some technical reason" and I m damn sure there is no such technical reason which takes 1 month. And I asked them the reason for 10 rs and then again SILENCE!!!. And then they finally told charge is because of previous month. I really found it funny. No other banks give such reasons.
I dint mind and started asking the reason for so many charges added for last month statement. And again they told me to hold on. And again after sometime they started telling the transactions and I came to know that " if u withdraw money from ATM U WILL BE CHARGED 250!!!(cash advance fee)". This is y I had to pay so much money I understood.
I just left all these reasons and told them I will not pay 10 rs but to cancel the card. And they told " its left to u sir" and I asked them do I hv to pay 300 if I don’t pay and the response from them "yes". I finally got irritated and told them I will put very bad review on all the websites and they told "its left to u sir". They were just giving the direct answers and no explanation.
And I din’t wanted to continue the conversation and told them to cancel the card AGAIN and I paid 10 rs else I may have to pay 300 again. They told the card will be cancelled within 1 working day. Now waiting for there response
I thought this might help at least someone and I just added this post.