Hi,
Way back in April 2009 I was contacted by an agency on behalf of SBI Railway Card promising me many free and discount offers. Later after receiving the card and its kit, I came to know that it is not applicable to me. Hence I didnt transact.
Later from the 1st statement itself I saw some charges popping up in the name of Insurance and finance charges. Though I had been promised for a free credit card, there was many hidden charges visible on the statement.
I tried contacting the customer care number, most of the times it doesnt work. Even if it connects, the executive wont answer the call and had put me on hold for 20-25 mins for around 5 to 6 times. I sent email, nobody responded to the email. Later I quit running behind it to close on the issue.
After 1 and a half years now they are repeatedly calling me, harassing me and has made me a defaulter as there was outstanding balances.
Now when i contact them they said I have contacted the customer care very late and cant do anything other than paying the whole amount mentioned in it.
Here I am asked to pay for whatever I havent been transacted for and I am forced to make the payment. They have defaulted my name as well.
Why is SBI doing this? And they boast they are the best bank in India. Please dont opt for sbi railway credit cards.