Najm Credit Card — credit card
1) Credit card sellers will lie you that their card has many connections for promotion offers and so on. It is not true. Most of promotion they provided can be get with other cards or without any card. You could only get small benefits from services from their own company such as Carrefour hyper market( but nowadays my club card giving better discount :) ) and Vox cinema.
2) Customer service provided the wrong payment cycle.
3) Online portal for net banking is worst that i have ever seen. The transactions get updated after hours, not at all user-friendly.
4) Worst part of Najm is their customer service, the representatives disconnect the call as per their convenience. They provide wrong information. They promise you a callback with resolution but never heard back from.
5) They deducted the late payment fees when & it was not even communicated to the customer. When I called up they said they would return the call but I never heard back from them. Its quite unfortunate that Najm customer care do not even call the customers.
I have seen lot of complaints about Najm Credit Card, even though it's part of reputed company like Majid Al Futtaim. I really feel the complaints go to the right person at Majid Al Futtaim & they can improve on the their service levels.