I got a SCB CC in some where around Aug-2006, I was not aware of the ditch.I took a card.and continued till April 2009.I was good at repayment and hold CC of more that 6 banks.
The problem.
On, 6 April 2009 - I got a call from SCB CC guy, who told me that I still hod a amount of 5000 which need to be repayed.
I was in shock.because I made a payement of something 32, 747 in back Aug-2008(Note: this amount was given by Executive at 20-Aug 2008, and according to me this a a amount which was to close my card).so I paid it and got relaxed that I dont need to anything.
When this agent called me on 6 April 2009, he said " you holded 2400 rs" which has now turned 5000, so you need to pay, or my name will not be released from CIBIL.and this will tint my Credit line and I will never get Loan’s, credit card etc.
My question is why have they not informed me about the amount 2400(executive said "we tried to releve the 2400 rs at that time, but this was not possibe) -but that has cost me now 5000.I am paying the more interest than the principal.
I was never called up, no email, no statement(though my address changed) was given since Aug-2008, but the fc called me up for there promotional offers!
Since I have not got any statement, proofs(as I didnt knew they are Did), so iam bound to pay.
So friends NEVER USE OR AVAIL STANDARD CHARTERED CREDIT CARDS/ Better dont use CC’s!