Initially, I was told that the card is offered for free for one year.But I have received statements wherein the Annual fee was imposed to me alongwith some other 4 types of insurances.During the same period I do a transaction using the credit card being unaware of the pending dues of Annual fee plus insurances.Thus, I could not avail free interest period and the Interest was imposed to me right from day one.Inspite of Repeated calls at the customer service number and sending requests though sbicard.com , I did not get any response.But in case of collection, they promptly call and ask for the payment and dont entertain any queries.The only thing they say is to call the Customer Care.When I had gone to their local office (supposed to be only Collection office) to meet their Manager, I am told that no one can entertain queries here and am redirected to the Customer care number .To my surprise , I found their atleast 10 customers of SBI Credit card yelling at their Name at top of their voices. But But But ... these shameless people dont bother
Later , I get a call from Delhi when I mentioned that I wont make payment untill some Manager speaks to me.Finally 1 guy calls me from Delhi and mentions that he has logged the complaint and will try to deduct the imposed Annual fee and Insurance amounts.
Days went by but no reply.
Finally after being fed up, i made the entire payment leaving the Annual fee plus Insurance Charges (which amounts to mere 900 bucks) and then Broke their Card and sent it to Delhi.I kept the amount purposely so that they should settle it against Annual fee and Insurance charges.
Today..Some guy from SBI Card gives a call and speaks in a very rude tone and tells me that he is sending some persons for Recovery.If I dont pay 900 bucks, I will have to pay 9000 bucks.I couldnt imagine SBI cards can employ such people who absolutely dont have manners to talk to their Customers.
If this continues , I am planning to go to Consumer Court against them.
So I would request you people not to fall prey to SBI Credit card.
Regs
Vinay