I had applied auto debit facility for total amount due bu they detected only minimium amount and send a statement with charging interest , service charge and took a loan also they provided one account number . I have asked customer service that this auto facility will be available to the loan account also they told see it will be applicable. But they are telling , that i should send aletter ... and quoted me late fee 600 and service charge and interest also.... these credit cards people eating our money...
Icici is worst bank providing all fraud and stating in website they are transparent
You have raised a very current issue. I too recieved additonal unsolicted Cr. card from a Banking company whose cr. card I lareaady had. I used it onece or twice and fortunately there i no problem. Bu ,U yes !! it is nuisance when you recive such unsolicted coomunication. Also, sometimes this leaves to think how these people get our information. Is there no confidentiality left?
RE:Geting unsolicited Credit cards.
by sreekumar k on Jul 25, 2008 04:42 PM Permalink
All information you provide and the transactions you do with cards are watched and they will predict your behavior and buying pattern and all this data you may get at Nehru place for Rs.500 or so in a CD with which u can do what u want, so beware before giving personnel information
Can any body tell me the Guidelines against Banks where the account of a person debited through ECS but the payment not made in favour of ECS holder and instead the message sent that the ECS is not cleared due to insufficient balance.
HI, i had taken personnel load from ICICI in BGLR of rs 1 lakh, i paid around 40k and later i left the city as i got transfered, i didn't pay rest of the money, now in my new city i have take personnel loan from HDFC and UTI amounting to 2.5 lakh, i paid for 6 months, but after that i couldn't pay anything..., now i am planning to move from this city also, i have not paid from last 6 motnhs,, nothing happend so far!!! can anyone tell wat can happen if i don't pay and move to diffrentg city?
RE:My Loans
by S M on Jul 25, 2008 04:32 PM Permalink
Normally, the credit card companies are supposed to check against CIBIL list (i.e. a list which has creditworthyness info and the past track record of a customer) before issuing a card. Am surprised how you even got the second card, but considering how banks function, it is ok I guess. One thing is for sure: your credit history would be spoilt for good and you will never be able to raise loans. Not to mention, raids by collection gundas and possible litigation.
RE:My Loans
by Mahesh Iyer on Jul 25, 2008 04:13 PM Permalink
You would be blacklisted on Cibil and after that you would never get any type of loan, credit card.
Dont get into the mess pay off or you would be stuck up in future as of now India has already gone for one system. Every time you apply for a loan or credit card your data would be checked on CIBIL and any black list remark would be end of your road.
RE:My Loans
by greenpages on Jul 30, 2008 04:06 PM Permalink
who is cibil one of our politican creaqte a software and useing her criminal tech if the govt open credit burea tell me
RE:My Loans
by amogha girimaji on Jul 25, 2008 04:06 PM Permalink
Don't worry. There are poor innocent credit card users who will take your load. The Bank will charge these poor innocent card users by slapping various charges...Long live You...Long Live Banks
RE:My Loans
by bharat chodankar on Jul 25, 2008 04:11 PM Permalink
ash there is no problem in u doing so, but your record goes to credit burea in which you dont pay the covered loan. you wouldnt be provided o any loan facility in the future but incase of a flook you may receive the same
I am not aware that Reserve Bank of India stock is listed in the stock exchage. In the above article, Get Quote - appears after Reserve Bank of India, Rediff, please clarify.
I have been getting two free add-on cards inspite of cutting and surrendering the card along with a request for cancellation. When my original card get renewed, they once again send the pair of add-on cards. They are not bothered about telephonic complaints. Now I stopped making complaint. Once they charged a renewal fee of Rs.750 on the add-on cards and reversed it after big shouting. I never used the add-on cards and just ensure that the add-on card balance is 0.00 by checking it in on-line regularly.
I too received a umsolicited card from SBI Card in addition to the one I already had. But I called the Customer care, send them a request that I don't need an additional card. Then I cut the card into 2 pieces and disposed it. 2 weeks later I received a letter from SBI Cards saying my additional card has been inactivated. Thus the problem was solved then. But still sometimes they pressurise me over the phone to acquire an additional card saying that I am thier prestigious customer. I safely declined thier requests.
