SBI Card – The Worst Card Ever
If someone offers you a free lifetime credit card and if it is SBI, then please please please for god’s sake do not ever accept the offer. I have already made a mistake by applying for the SBI card and I do not want you guys to make the same mistake again.
Here is my story:
I had applied for lifetime free SBI card though Lifestyle departmental stores. I used the card on few occasions and cleared my payment from time to time. At that time I was using SBI’s online facility to check my invoices because I was not getting invoices by post. But After sometime, the online site stopped accepting my username and password and new registration also did not work. After 4-5 months a person from SBI visited my place and asked for the payment. On inquiring, I was told that I have to pay some Rs. 590 as installment and my alleged pending payment was around Rs. 3,000.
After talking to the manager, I got to know that invoices were being sent to wrong address and this way the interest got added with the actual amount. The person apologized for the same and assured me that he will send fresh copy of invoice with correct amount within 2-3 days. But till date I have not received that! After 3-4 months, I started getting invoices with the same incorrect amount.
I called up customer care regarding this issue. I was told to get in touch with GE via email. (feedback.gesbi@ge.com). But instead of getting a proper reply, I received a reply after 20 days stating that they were not able to find my account information in their database.
During this period, I started getting harassing calls from Payment Department (Delhi) daily at around 9.30 AM. The calls did not stop despite explaining them the reason every time. After few days, I spoke to a person named Sumit and he assured me that I will have to pay just the actual pending amount i.e. Rs. 1468 and rest of the charges will be waived off as they were incorrect.
However, to my utter dismay this too did not help. The invoices with incorrect amount did not stop. I tried to explain my ordeal to customer support person again but the representative (Ashish Gupta) was not able to understand the issue and kept on saying that I will have to pay the whole amount.
To make the things worse, I got call from their payment department again, this time the lady was kind of rude. I explained the issue to her but she was just blaming everything on me saying it was my responsibility to pay the amount. But she did not say anything when I asked about their responsibility to send the invoice on time and to the correct address. She again asked me to pay the principal amount (Which I had paid last time), I asked told her to speak to Sumit (the guy who had asked me to principal amount of Rs. 1468 and they will waive off rest of the incorrect charges) but she said, she does not know him as they have 1000s of employees working there. I do not understand, if they have 1000 employees then why can’t they make a simple log of calls made to customers?
I have asked the lady to send me the statements again and I will pay off whatever is the principal amount is. But after that I am not going entertain these guys at all. Let them do whatever they want.
So moral of the story? NEVER EVER GO FOR SBI CARD, ONE OF THE WORST CREDIT CARD COMPANIES. TOTALLY UNPROFESSIONAL COMPANY WITH WORST CUSTOMER SUPPORT.
Update: If Bank fails to solve your queries then you can also send your complaints to Banking Ombudsman on RBI Website
Update: SBI had sent me legal notice to pay the dues, I also sent them legal reply (My friend, who is also Lawyer sent it on my behalf). The calls stopped suddenly and today I got the statement with all the charges reversed, the total amount payable was 0 (Zero). So finally, I managed to get rid of SBI card 
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the worst card is sbi that iam facing the problems with this card. the renewal card was not sent to me even after the completion of my card on 12/2008, till now. whenever ask them we will send it to you in this period of time but no proper reply 23/04/2009. But the interests penalties are being charged to me without a valid card. the worst card . every merchant afraid to this card as its payments are too late. thanks guys now i going to get rid of this card. thanks a lot.
by: buchanna, Apr 23rd at 10:35 pm
thanx..since last a few days I AM REAPEATEDLY GETTING CALLS TO TAKE A FREE LIFETIME CREDIT CARD.DdEEP’S EXPERIENCE HAS OPENED MY EYES….WILL NOT TAKE EVER…THANX
by: GORA, Aug 23rd at 5:01 pm
i also didnt had a nice time dealing with these sbi costemer care.i got a card and had it for one year and next year i asked them to cancel it as i no longer wanted a sbi card but they keep sending me card again and again i never accept it but they also keep callingand ask to pay the service charges of the card and dont even cancel it.
they truly are a***oles
by: somebody, Aug 25th at 11:12 pm
Hi Guys
It is GE the actual culprit @ SBI a foolish piggyback.
GE is a foreign base company which is actually ovelooking the entire credi card business of SBI and emloying goons all over india to extract money from timid customers. If the customer resists strongly and uses legal methods such as police, legal notices or courts, these GE/Sbi goons run away.
So do not worry about which card you use, all the credit card issuers are moneylending goons- just watch their interest rates when you don’t pay in time- which are highly illegal- That is the reason once most of our banks were nationalized.
Ha Ha Enjoy
by: commentor, Sep 4th at 5:37 pm
guest what! I dont have a SBI card and I have been getting harassed for the past two years from SBI Card division in Delhi for payment of dues. Some clever guy has given my number and absconded and these idiots are calling me again and again. The amount has gone up from 15000 2 yrs back to 40000 till date. Talk about clueless !
by: RR, Sep 8th at 5:59 pm
I had the worst experince i never used the
http://www.ceveni.com/2008/08/sbi-credit-card-fraud-and-hidden-costs.html
by: ceveni, Sep 10th at 7:10 pm
I was holding SBI credit card, which has validity till 2007. In 2006, i had lost my card and immediately informed to customer care to block the card in 2006. before that i was paying the balance regularly. why ur customer care people didn’t considered my requests. i have approached customercare many times in 2006 for informing them that iam getting statements still but i haven’t got good response from them. they told me that we we will consider and make clearance of your card. but still harrasing thru calls now.
please any one can help me to get rid of this issue.
by: Hemadri, Nov 4th at 12:46 pm
Hi all,
I was holding SBI credit card, which has validity till 2007. In 2006, i had lost my card and immediately informed to customer care to block the card in 2006.i stopped thinking abt this SBI card as i blocked. before that i was paying the balance regularly. why ur customer care people didn’t considered my requests. i have approached customercare many times in 2006 for informing them that iam getting statements still but i haven’t got good response from them. they told me that we we will consider and make clearance of your card. but still harrasing thru calls now.
please any one can help me to get rid of this issue.
by: Hemadri, Nov 4th at 12:48 pm
I have paid my dues on 31st of Oct and cleared all dues, but they have levied Rs509.50/- which I think unfair.I tried to contact over your toll free number, but always found engaged even on holidays.N0-18001801290, 39020202.I may request you to squash my above amount so that I may continue to use my card. DrPatnaik
by: Dr.Bishnu Prasad Patnaik, Nov 14th at 12:50 pm
Dear s/m
I need seriously help and advice from right sources.
I was a user of SBI credit card some 3 yrs back. In May ’07 I had paid my full SBI statement amount and had cleared the account. Later had sent a mail to SBI to close the account.
Now its 3 yrs up the SBI Credit Card leagal department are calling me up and asking me to pay a sum of 3000.00
On asking them the reason they say you have to pay a processing fee of 129.00 Per month even if you dont use the card. so in 3 yrs it has accumulated a sum of 3000.00.
I dont understand when I had requested them to close the account how come the customer care people did not tell me about it.
Today for not fault and mistake these people are charging me 3000.00 Rs.
I need a serious suggession and help on how I can solve this problem without paying my non-fault amount.
Hoping to hear from some serious helpers.
Thanks
Santosh Sethia
sethia.santosh@gmail.com
by: Santosh Sethia, Dec 8th at 1:08 pm
I HAD SBI CARD WITHOUT EVER USING IT I PAID THOUSANDS OF RUPEES
ACTUALLY THEY EMPLOYED PROSTITUTES TO LURE MALES INTO SIGNING THE FORMS
LATER ON GOONS COME INTO PICTURE FOR EXTORTION
IN EVERY TOWNS NOW THERE ARE SBI CARD TORTURE VICTIMS ASSOCIATIONS
by: BALU, Dec 12th at 11:38 pm
I use SBI card and in last seven years not faced any problem.Their billing is
transparent and well in time.I have had no problem whatsoever in billing and payments so far…R S Chauhan
by: R S Chauhan, Dec 30th at 3:25 pm
Im using SBICC since lat 15 years. I didn’t get any problem. Im paying bills online and Im receing bills online.
by: SRINIVAS SWAMY, Jan 29th at 2:14 pm
I am very much comfortable with sbi card. No problem at all.
by: chamgaadar, Feb 28th at 2:57 pm
SBI card has issues and poor customer support.
Nowadays I am getting an sms every month reminding me that the statement was sent to the mailing address. If not received send an sms to 56767 with a 11 digit key.
Once I didn’t receive the statement and sent an sms. Immediately SBI card took the matter to the Courier company and SBI Card sent me a duplicate copy of the bill. Courier boy had delivered it to some where [or not delivered any where] and made an entry in his delivery sheet that the courier was delivered. Sometimes courier boys will do such things.
May be SBI CARD is following this process after many such complaints were made [like the original post].
From my experience, I can say that STANDARD CHARTERED is cheating the customers even if we pay the amount in time [through drop boxes]. They have cheated me twice continuously [by levying a late fee + interest for the late fee ] stating that I have not paid the amount in time. This happened even if I personally went and dropped the cheque 5 days ahead of the due date. When I contacted the STAN CHART customer support and explained this to them, they are insisting that I made late payment. Finally I paid around Rs 2000 for a Rs 1100 purchase [Rs 850 as late payment fees + interest on late fee]. I realized that STANDARD CHARTERED is cheating the customers like this and stopped using their card.
DO NOT USE STANDARD CHARTERED CARD.
by: kannan, Apr 28th at 10:55 am
Hello All
Finally I’m writing here just to ease my anger what SBI customer care and its selling agents have given to me in last 5 months. I was offered an SBI Platinum card in Feb-2010 with the joining fee of Rs. 1500 and in return I was promised couple of benefits like… A gift voucher worth Rs. 1450 after accepting the card, Minimum 10-25% waiver on any air tickets, No transaction charges on IRCTC, No surcharge at any petrol pump with no limit on minimum value, No conversion charges if card is used abroad, 5-10% discount on departmental stores..etc
I’ld say don’t even believe any SBI manager, since I was also ensured again and again by him while taking the card.
Below is the mail chain which I followed up with highly unprofessional SBI customer care-
The rediculous solution given to me by SBI customer care today on June-09-2010 after almost 5 months is:”Sir, money charged cannot be refunded neither it can be compensated in any way. As a solution, a strong feedback is already given to the sales manager, so you’ll not have any miscommunication in future from our side. If you want to close your card please tell us”
Fw: ‘CaseID=003-473-017′ Regarding: W090430031362
more details at: http://www.consumercourt.in/credit-card/19546-strictly-avoid-any-sbi-card-agent-its-customer-care.html
by: Sandeep, Jun 9th at 10:53 pm
I am getting sick of SBI unable to change my Office address or home address. You need to learn the tricks of how to mess up simple things from them.
The pin code of office address I gave was 500032 and they got that wrong as well.. They had entered 500046.. So it’s gone into another loop..
SBI Card is becoming a “Comedy of Errors” literally.
They had my… Old BLR address and I gave my new Hyd address.. Logically speaking they should verify my new Hyd address.. Right? These wise men went to my old BLR address and met a Security guard called Ganesh who told them ‘No one lives here by that name’…. So they did not change this address either..
Was quite happy with them for years till this incident that has been haunting me for almost 2 months now….
Losing my patience.. Will wait and watch..
by: JebaKumar Swvigaradoss, Aug 17th at 6:42 pm
I used SBI Card for abt 3-4 years. No issues though (apart from one incorrect billing). Address change, annual fee waivers, etc were all attended to. I used multiple approaches at all times as I know what a customer in India has to undergo. However, the offers weren’t all that great. In the meanwhile I got a card with better offers. Going through the comments & feedback here, I surrendered the card abt 8 months before. This has been smooth as well. JebaKumar-In India, nothing’s attended to unless you raise your voice. Take them to task.
by: Rajendra Mule, Aug 18th at 10:39 am