I had a shocking experience with a credit card company recently. I don't mind naming the company, it is SBI card. I have been using it for about 2 years till now, and though I was not happy with their service, I was using the card regularly. The problem started when one of my check I have given for the SBI had bounced. I had dropped the check for SBI credit card, well before the payment date and am really not sure of the reason the cheque bounced. But when I saw the next month statement, it was stated that my previous cheque had bounced and they had add some amount as a fine for the bounce and another amount as a fine for defaulting the previous month. The highlight is the reason they had quoted for the check bounce. It said, "Insufficient funds". I was totally pissed off when I saw that.
I called the customer service and asked why have you quoted the reasons "Insufficient funds", also, I said I wanted a copy of the check that had bounced. The customer service person said, she will dispatch the mail immediately. Since the person sounded as if she had dispatched the bounced cheque copy to me, I totally forgot about it for some time. The next week I got a call from a SBI person, inquiring why I have not paid the bill. Only then I remembered about the bill and said, I have not received any copy of the cheque I have requested, and asked what happened to that. The executive said, she will check up and call back. But she never gave a call back that day. I again made a call the next day to inquire about the copy of the cheque. I was bit frustrated by now, and was in a aggressive mode when I made the call.
The most surprising thing I found when I made the call was that the executive was talking to me with none of my history. When I asked whether they had dispatched the copy of the cheque, she said yes, and when asked about the address the copy was dispatched, she was telling some address. I was so pissed off and started shouting at her, and told immediately to transfer the call to the manager. Without even responding to my query, she had cut the call. The total number of calls they made to me and I made to them would be around 7 to 8 and none spoke like a professional. One lady even told me harshly it is not their responsibility to send the copy of the cheque, and I have to check with my bank.
I was not sure at that what to do. I dropped another cheque minus the fine amount of the previous bill. I am just waiting the another call from the company so as to tell them how unprofessional they are and cancel the card. I am not sure what should I do about this kind torture these company's give to customers. I was just wondering is there any law which will enable me to sue this kind of incapable company handling the operations? I will also tell them to learn some lessons from their bigger counterparts like Citi and ICICI. Not that Citi and ICICI are giving a great service, but at the least they are more professional than SBI credit card guys.

I felt relived and happy after cutting the card in to two.
I called the customer service and asked why have you quoted the reasons "Insufficient funds", also, I said I wanted a copy of the check that had bounced. The customer service person said, she will dispatch the mail immediately. Since the person sounded as if she had dispatched the bounced cheque copy to me, I totally forgot about it for some time. The next week I got a call from a SBI person, inquiring why I have not paid the bill. Only then I remembered about the bill and said, I have not received any copy of the cheque I have requested, and asked what happened to that. The executive said, she will check up and call back. But she never gave a call back that day. I again made a call the next day to inquire about the copy of the cheque. I was bit frustrated by now, and was in a aggressive mode when I made the call.
The most surprising thing I found when I made the call was that the executive was talking to me with none of my history. When I asked whether they had dispatched the copy of the cheque, she said yes, and when asked about the address the copy was dispatched, she was telling some address. I was so pissed off and started shouting at her, and told immediately to transfer the call to the manager. Without even responding to my query, she had cut the call. The total number of calls they made to me and I made to them would be around 7 to 8 and none spoke like a professional. One lady even told me harshly it is not their responsibility to send the copy of the cheque, and I have to check with my bank.
I was not sure at that what to do. I dropped another cheque minus the fine amount of the previous bill. I am just waiting the another call from the company so as to tell them how unprofessional they are and cancel the card. I am not sure what should I do about this kind torture these company's give to customers. I was just wondering is there any law which will enable me to sue this kind of incapable company handling the operations? I will also tell them to learn some lessons from their bigger counterparts like Citi and ICICI. Not that Citi and ICICI are giving a great service, but at the least they are more professional than SBI credit card guys.

I felt relived and happy after cutting the card in to two.






































