I had applied for a credit card almost two years back, which I never got. Kotak levied annual charges and delayed payment etc and have black listed me for non payment. FOR SERVICES NEVER RECEIVED. Despite e mails calls etc they are not responding and I get repeated cals from their call centres to clear payment.
They are also not issuing my NOC for a car loan which has been fully paid. They have given me another car loan....pray, why give the loan if I was a bad customer ? Now they are not responding at all. Worst facilities EVER.