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Axis Bank Credit Card / mis-selling of a credit card!

1 India Review updated:
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I would like to share my greivences with everyone who has got a credit-card from any of the banks. I would like to give a brief description of my problem with a pathetic bank i.e. "Axis Bank". First of all, I have never applied for any credit-card from Axis bank & suddenly I received an SMS on my mobile number as a confirmation that my credit-card application has been approved and I will receive my card within few days. I tried to ring that number immediately but I could not get through.

After few days, I received a call from a courier company who wanted to confirm my residence address to deliver a packet from axis bank. I confirmed the address and could not ask anything from them regarding the same as I was in my office & was busy in doing some official work.

I opened that packet in the evening and found two cards from axis bank. One of the cards was under my name and other one was under my younger brother's name. I was little bit surprised to receive these two cards from axis bank as I had never applied for any credit card from them. I contacted them to get the proper confirmation and they told me that they did receive my application form and that's why these cards were sent to me. I also told them that nobody has done any sort of verification before the approval of my card application.

I took it lightly and thought that there is no harm to have a credit card from axis bank as I was already using so many cards from various banks. However, the first problem got start when I did not receive my card statement for the first three months. I contacted the customer service of axis bank once again to know the total outstanding and the reason for the non-delivery of my card statement.

I got amazed to know that I have been charged somewhere about Rs.3500 as a joining fee to have this card from axis bank. I explained the whole story to the customer service executive that I have been mis-led by axis bank as I was never told that there is a joining fee to have a credit-card from axis bank as no other bank charges anything for their credit card.

I have raised this complaint so many times and spent a lot of money on the phone calls made to the customer service of axis bank because they have their customer service center in Mumbai. Everytime, I was given an assurance of an amended card statement but got nowhere. Now, I am receiving threatening letters from an advocate of axis bank to pay the outstanding immediately which is ridiculous. I was quite sure that axis bank can do such kind of appalling things since their past have been too good to have faith on them. But, I want to warn them that the time has been changed and everyone is aware about the laws & orders. I am going to file a case against them in "Consumer Forum" and will realize them about their serious mistake. Thanks & regards.

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Comments

  • An
      10th of Nov, 2008
    0 Votes

    I am having a AXIS bank card no 4718 6101 0061 9718. I never applied for this card nor did I signed any application form. A person from Axis bank called me and said you will be getting a axis bank card which is free for lifetime card.

    When I received this card there was a catalog that u there is some annual fees on this card. At that time I got a call from Mumbai confirming whether u have received the card, I confirmed from that girl regarding annual fees and she said no you do not have to pay any fees.

    Then I got the statement in which there they have put charges on which they have put late payment fees also.
    I have already paid for the amount I have used.

    I have spoken twice to phone banking people. Once on 22nd june and asked to close the card, which has still not been done which I confirmed today.
    Also the person I spoke today cut the phone without me completing the things.

    Now the worse have happened they have put a lein on my salary account for Rs 9500 which is disgusting

  • Ma
      25th of Nov, 2008
    0 Votes

    Dear sir,
    my name is mahendiran i had applied for an credit card, intially they were telling to me Gold PLus, ie pay card and i accepted that too. but when the time last enquiry i informed your staff Ms.Anitha, Chennai( CC Division)that i dont need a pay card please change that into Life time free card ie Gold card but i had received a Gold plus card i would like change into gold card or you can very well cancel my card.

    I am not happy with service u had done, please change it or cancel it

    My Mobile no is +91-9940651698


    Thanks


    Mahendiran.P.A

  • Gi
      21st of Apr, 2009
    0 Votes

    I have an emergency situation where i need to get $1000 fast for my car to
    be repaired. I need the money fast but I still want to not get screwed over.
    My friend suggested an online site that he used before called
    www.instantbailout.com I looked it over and it looks ok, but I am not sure
    what is a reasonable rate for a payday loan. Is there a standard for this
    type of loan? Also does a payday loan effect your credit?

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