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 
15-Apr-2007 at 8:18 pm
hehe, as they say. They do “just Banking”
Not cust support or anything else
16-Apr-2007 at 2:46 am
They’ve got such stupid management and still harass you with 1000’s of calls to get their credit cards.
16-Apr-2007 at 11:48 am
They asked me for Annual fees two days back
i just tore the card in four & put that in the box instead of payment:P
16-Apr-2007 at 7:24 pm
Something wrong with your E-L-Archives enabled page Deep.
17-Apr-2007 at 3:56 pm
I’ve had a similiar experience with CitiFinance Loan repayment. They were trying to deduct my EMI amount from a non existent Maharashtra Bank account although I do not hold any Maharashtra Bank account. I had to explain the situation to the payment-defaulters dept. every month for 13 months before they could rectify it. Some hired goons from the repayment dept. dropped by at my place several times.
It was a harrowing experience. I’m just glad it’s over now.
17-Apr-2007 at 11:51 pm
haha… well said presh .. They do “Just Banking” heheh
… stupid ppl ….. customer care departments r never to help customers .. its actually to give lots and lots of trouble to the customers … its not just with SBI or so and so company … its basically all the companies … they will just show you the bill amount and when we ask for the explanation .. they will say ” Sir, its the rules, you have to pay”
wht the hell rules .. if u have such strict rules .. thn why do u need customer support … customers will help thm selves only to not get in to any trouble..stop giving us stupid statements .. just close down your customer care or employ polite and some brains to answer your customers .. not these brain less creatures…..
10-May-2007 at 1:32 pm
I fully agree They do “just Fraud Bankingâ€. SBI three times collected my checked after the due dates while I dropped my checks 4-5 days before the due dates. The SBI charged RS 2100 and when I requested to reverse back the amount they said Okay but never did that. I have paid all the amount and now requested to cancel my card. “That is the only way” I found and waiting for their reply.
“SBI IS THE Worst Credit Card”
15-May-2007 at 6:31 pm
Bingo… nice site first of all… and You know what… i had the same problem. I got a statement before even my card arrived. I Called them up and said i dont want this Funny card which gives me a statement before the card arrives with a spend of 300 Rs (Some funny insurance which i am not even aware of) . I got statements after statements after that… and guess what… i called them up and fired them hard. The statement disappeared and so did the calls. Just be rude to these Donkeys… and CALL THEM BEFORE THEY CALL YOU. a Rupee or 2 Could save your Blood Pressure…
Kudos.
Cheers
Rajeev
15-May-2007 at 6:35 pm
I gave ultimatum to their head department via email, I will clear the actual amount and after that I am not going to entertain their calls.
17-May-2007 at 7:27 pm
Yes I perfectly agree with this.
SBI have worst customer support, They charged e extra amount of Rs50 every month for insurnce, I asked them to stop this insurance and I dont want it, still they kept like that and asked me to pay the amount, when I said I dont pay they are ready to cancel the card but not the amount.
WORST CUSTOMER SERVICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
21-May-2007 at 3:55 am
Yes, SBI cards is worst credit card i ever seen.
I took sbi card in Jan 2006 and in Feb 2006 they gave me insurance called life surakha, from that there is no surakha in my life. Till now they are not sent any documents regarding this insurance. I complained number of times but there is no action. They cancelled my card and insurance which is fine but not the account. They are keep calling me to pay the money. When i asked the reason, if you are receiving the statements then you have to pay the money irrespective of what you got or not, I said you are not send the document till now, there is response from the life surkha insurance dept and I am not used the card for any my personal reasons. How could i pay the money?
They are calling me daily, from last one year, i said clearly i am not going to pay single rupee.
Please tell your friends do not take SBI cards. this is really worst card.
They cheat you like any thing.
21-May-2007 at 1:33 pm
Yes, SBI cards is worst credit card and fully agree with srinivas.I took sbi card in Feb 2007 and in April 2007 they gave me insurance called life surakha, and told the one time charge for Rs. 2700/-. For this insurance I agreed after a repeated call from their Delhi office.After that I agreed from that there is no surakha/peace in my life.I received a statement in the month of May stating that I have to pay Rs.3200 plus. Then I started reciving call for the payments daily. I asked where I have received the insurance policy bond and why should I pay the amount more than Rs.2700/-but not received satisfactory reply. I still agreed to pay Rs. 400/- for what they asked as minimum you shoul pay and you will get the policy bond but till date I have not received the same. I complained number of times but there is no action. If I do not get the policy bond by this month end then certainly I am going to cancel my card and request all my other friends to surrender the card.
Please tell your friends do not take SBI cards. this is really worst card.
They cheat you like any thing.
21-May-2007 at 2:10 pm
shit of a company. service like hell.
employees like ass holes.
feel like kicking each ones asses.
they are worst than ages old Zamindars.
bastards of 1st grade
22-May-2007 at 12:10 pm
dude, my friend had a SBI cc and he terminated the cc due to their poor service, after one year he got a bill statemnt with some 1200.00 rupees, when contacted the cust care they said it was by mistake. and thier email custcare is worst.
23-May-2007 at 12:20 pm
Hi all,
Now I am thinking why I didnt read this post 1 month back. I got a SBI card yesterday. While applying for it, the agent told it is life time free card, yesterday when I got the card and read the tarrif list, it is 1500rs annual fee. The agent is now telling, he is not responsible for this. Anyone help me out, how to get rid of it…
23-May-2007 at 12:27 pm
Call them, strictly tell them close the card, I am not gonna pay a penny. And then don’t bother entertaining them.
05-Jun-2007 at 7:25 pm
Guys chill down…rules of the game
1. As per RBI guideline, don’t pay till you don’t get the statement in youe hand.
2. Complain immediately if there is any issue in the statement. So after that till the issue is not resolved just chill down. Once the issue is resolved then pay only principle. No interest payment at all.
3. If they refuse to reolve issue then just tell them “Do whatever they can I won’t pay”. They will accept it & settle for the principle.
4. IF rude people like Citi / HSBC can bend what the hell is SBI…this is my experience.
Make sure you are using worlds like Banking Ombudsman, RTI (Right To Information), RBI in your discussions…and everything goes well
05-Jun-2007 at 7:30 pm
About closing the card…simply tare it n keep it with you…don’t even bother to inform them…just inform them I have lost my card..please cancel it….just drop 2 line mails…don’t worry they have no choice but to close the card as you have the proof that you have informed that card is lost and you don’t want any new card but to close the a/c permanently…
06-Jun-2007 at 5:50 pm
Thanks Kedar for the heads up, I am gonna screw these guys now as I never got the statement from them.
19-Jun-2007 at 6:20 pm
IF YOU WANT TO SPEND YOUR LIFE PEACEFULLY THEN DONOT OPEN YOUR ACCOUNT IN SBI.
After threee months from open my account i also come to know that no bankers can worst than sbi,i applied 3 months before for ATM Card but still i have not received my card and no body is giving proper reply to me,i am staying in Delhi so i ask my father to check the status of my card with Bihta Branch,my father visited there so many times but they are not giving proper answer to him.i have open joint account with my father.details are given below:
NAME - NIRANJAN PD. SINGH/ALOK KUMAR
BRANCH - BIHTA(MAIN BRANCH)
DIST - PATNA(BIHAR)
PIN - 801103
20-Jun-2007 at 4:40 pm
I fuly agree with you. I had asked them to waive off annual reneal fees or else I am not intrested in using SBI card. They keep on sending monthly statement and in every statement they kept adding the annual fee and the interest charges. My balance due is not inflated to RS 3200/- (all annual fees charged in last 6 months). The people there dont know how to talk to customers. They dont understand your mails. Can someine advise how to approach customer courts/organisations
25-Jun-2007 at 4:10 pm
SBI is far worst then you mentioned, I have applied like you guys but asked to pay Insurance/Late fee/Finance charges without statement
Which none occurred since I’ve been specifically mentioned no insurance and lifetime free card.
After making numerous calls to ill behaved/unprofessional CC staff nothing happened
Grievance reported — nothing happened, just threatening calls from SBI
One way Just avoid SBI for anything
Other way – HIT THEM BACK
Don’t make payments for undue amt, don’t panic remember there is no rule in India
No Service No money – Simple Rule
26-Jun-2007 at 7:18 pm
Hi folks,
Am on trap of same experience what Mr.Deeps - I got the one year before for balance transfer of Rs.15,000/-
and hv been advised that 6 months interest free, whereas have been charged 4th month itself, shoot up mails and talked over phone nothing happen.
Again the change of communication address, but still they are communicating old address..
In one year have used this card for nothing, but finance charges or one or the other hve been charged no feedback, but agents are chasing me for payment.
In one year almost have paid morethan 10,000/- but it still shows that am owing to Bank Rs.10,000/- any guy’s could you pls assist.
Thanks..
Balaji
06-Jul-2007 at 7:44 pm
NEVER EVER TAKE AN SBI CARD.
The customer care executives are the worst, they are misleading and fraud
12-Jul-2007 at 9:08 pm
I’ve been using SBI Card since abt 4 yrs. Surprisingly, everthing’s fine. Every year when the annual fees are charged to me, my requesst to waive off is approved within 2 hrs. I use the card regularly and payment is regular, infact, in advance.
12-Jul-2007 at 11:15 pm
Rajendra - I must say, you are the lucky one then…..
18-Jul-2007 at 3:54 pm
HDFC credit card is the worst card i have seen , Guys don’t go for that, they will levied ilegal charges , such as Joining fees , anual fee, even i made the minimum monthly amount but they levied late payment charges , No one listen to you . the due amount go up . i finaly paid the amount in order to avoid unnecessary tensions .
09-Aug-2007 at 8:15 pm
he man.. sbi isthe best card forever,.. it never brought me any problem… at all occasions.. very good service .. top level system..
11-Aug-2007 at 4:10 pm
well it seems that you havent realised the importance of knwing the basics in life . Dont assume things till you hear from all ends . So keep all ends OPEN and let me tell you that sbi credit card is awesome and really good
11-Aug-2007 at 4:11 pm
well it seems that you havent realised the importance of knwing the basics in life . Dont assume things till you hear from all ends . So keep all ends OPEN and let me tell you that sbi credit card is awesome and really good ALSO YOU MUST NOT EVER MOVE BACK IN LIFE MOVE FORWARD MY FREIND
11-Aug-2007 at 8:32 pm
SBI Customer Care is Worst
I had SBI Card till recently. I booked a Whirlpool Washing Machine through their website (www.sbicard.com) and the order placed with http://www.onlinedeals.in (as directed by the SBI web site). The item was not delivered within a week as committed by them by email though they boasted that shipment would be the fastest(I live in Mumbai). The said onlinedeals.in owned by site http://www.vriti.com (NOIDA) was also not responding except till accespting/realising miney from SBI. I shot a number of msgs to SBI Card site contact site without any response. Even they gave a phone No of a section supplying cameras and mobile phone when I actually bought Washing Machine. A strongly worded email saying that I was thinking of changing over to ICICI card made them answer a bit nice expressing some regret for communication gap. Even onlinedelas.in (of NOIDA) were also not responding to my calls to supply the item as they realised my money. I used to call them from different phones to make them talk.
LESSON ; Never go for SBI Card, the worst Card. Never deal with vritiinfocom (www.vriti.com and their http://www.onlinedeals.in) which delas with online booking of FMCG at discounted rates for SBI Card and client co’s. THE TECHNOLOGY HAD IMPROVED TO FACILITATE DEALINGS BUT HUMANS ARE TO CHANGE A LOT TO BE HONEST I9N DEALINGS. Traditional values and culture need to be revived. Commercialism cut throat is rampant, no cordiality.
17-Aug-2007 at 11:48 am
yes never belive sbi executives they will make false promises and tell lies
21-Aug-2007 at 5:43 pm
Worst customer care, believe it or not.
22-Aug-2007 at 3:49 pm
SBI Card is really worst , i also have the very same experience of not sending the statement before due date , and once due date is over send next month statement with late charge & intrest , sbi card people are cheater , they are doing all this delibrately to earn extra money ,High court should put ban on such type of card service provider and charge them heavy panelty .i alredy lodge complaint with RBI .
24-Aug-2007 at 1:50 pm
The worst customer care i ever seen. uneducated girls will be used for recovery purpose. Very rude replies. So dont go to apply SBI Card and if u got SBI card then never miss the due date for god sake. They will make u think that u are in hell by their dirty language. So Beware of such dogs.
25-Aug-2007 at 12:19 pm
SBI Card is the worst
What is currently happening to me is similar to the above story. This happened because in November they added a Hospitalization poicy from royal Sundaram without any of my consent. When i refused to pay, they converted it into EMI’s and still showing me balnce on my account when they had told me that they wud send me a no dues certificate when i paid them an amount just as a goodwill gesture. Therefore beware of any such policies. And it is also not guaranteed if ppl who call u from SBI Cards actually belong to SBI cards.
25-Aug-2007 at 9:04 pm
Insensitive, uncouth, brainless money grabbing twits these guys- SBI card. 5 days after full payment of my dues, my card remains declined. My first ever default, when my expenses went 10 rupees over my 50,000 credit limit, my card was declined, i was fined 560 rupees, and 5 days hence, it has still not been activated. the reason, saturday and sunday not working days, so they can only do something on monday morning. such insufferable gits!!!! i am done with this stupid bunch of morons. my card is going into the bin in pieces. lots of other cards out there.
05-Sep-2007 at 3:34 pm
Dear All,
SBI Credit Card NO. 01 Cheater,
Poor service ,ineffective system and worst banking.
Please read this article tell every body ,how they are cheating .
Please let me know sbi credit card phone no.in banglore
12-Sep-2007 at 2:03 am
The worst service ever experinced, I checked all web pages and called all possible numbers still can’t get to find a right number in India.
12-Sep-2007 at 1:50 pm
Contrary to the above grievences , I had pleasant experiences with SBI card. Very fair and transparent transactions. Not a single incidence of overbilling or unfair charges , interests etc in last 5 years.
21-Sep-2007 at 1:04 pm
The worst customer care i ever seen. uneducated girls will be used for recovery purpose. With out sending the statement they are asking for the due payments. If we ask them for statemenet we are getting Very rude replies. So dont go to apply SBI Card and if u got SBI card then never miss the due date for god sake. They will make u think that u are in hell by their dirty language. So Beware of such dogs
And more over I experienced this from the telephone number 044-42230000.
If any body knows how to take action on these ladies pls post your comments it will be helpfull for us to make a action on them.
04-Oct-2007 at 1:45 pm
they are cheat also….try to sell insurance product on phone without giving full imformation. Later you will debit huge admin fee….
they do not speak/understand proper English also. I am planning to file a case against them in consumer court..
05-Oct-2007 at 12:12 pm
I SWEAR !! I BELIEVE I STAND IN THE SAME BOAT AS YOU GUYS ARE… THOSE DICKHEADS SITTING THERE DO NOT UNDERSTAND ENGLISH. ONLY THING THEY ARE GOOD AT IS COLLECTING THE UNWANTED PAYMENT.
I HAVE NO IDEA HOW TO KICKBACK BACK THOSE GUYS. BUT I WANT TO KNOW HOW CANCEL THE CARD.
09-Oct-2007 at 10:38 am
Hello,
I faced a tough situation for using SBI Credit Card.
My story was:
I had an outstanding of 27K and I made the payment of the whole amount through balance transfer.
I have made the payment 18 months back, after 18 months I have rcvd a statement saying that I have to pay 4K.
When I contacted them the reply was some stories.
I would say SBI should be shameful for doing such kind of activities.
Such kind of complaints Govt should consider and take legal action on that bank.
ALERT:NO ONE FROM ONE SHUD GET CHEATED BY THIS BANK.
DONT EVER GO FOR SBI BANK.
09-Oct-2007 at 10:38 am
Hello,
I faced a tough situation for using SBI Credit Card.
My story was:
I had an outstanding of 27K and I made the payment of the whole amount through balance transfer.
I have made the payment 18 months back, after 18 months I have rcvd a statement saying that I have to pay 4K.
When I contacted them the reply was some stories.
I would say SBI should be shameful for doing such kind of activities.
Such kind of complaints Govt should consider and take legal action on that bank.
ALERT:NO ONE FROM ONE SHUD GET CHEATED BY THIS BANK.
DONT EVER GO FOR SBI BANK.
16-Oct-2007 at 12:24 pm
Hello,
I too faced same problem with this sbi credit card section, I payed the amount, after payment also, they harrassed me through many calls, i got rid of them
its good to put a case on these people, these are very rude and not humane….
I dont know why rbi is accepting sbi to continue credit card section……..
16-Oct-2007 at 12:52 pm
I am also facing this problem now. I ve sent a mail to reserve bank trivandrum representative and umbudsman. I am going to send a legel notice against the. One Mr Jeevan is calling me,my office staff and my family members to harass me. I will include his name in that legal notice.
16-Oct-2007 at 12:52 pm
hi
20-Oct-2007 at 6:50 am
Hi,
My name is Navish (another victim of SBI
).
I applied for SBI card a few months back (feb).
These people attached an insurance policy with the card which i never asked for. On cancellation they are asking for 50% of the amount (which is very hard to understand-why?). I have filed a complaint against them. If anyone has a similar problem please let me know, we can move forward together.
BTW i have decided not to pay them no matter what happens.
Same thing happened with me and a few of my collegues. We never applied for this royal sundaram insurance policy but recieved it. Now that they have cancelled the policy (on request) but asking for a payment. I have already filed a complaint against SBI in consumer court.
22-Oct-2007 at 9:48 am
I am using SBI Card since abt 4 Yrs. Initially I too recd this insurance policy, which wasn’t asked for. I emailed them, called up the customer support and submitted an application (hard copy) at the drop box. The insurance was withdrawn without any fees (ofcourse I did not pay the insurance fees as shown in the statement).
Try mailing them at feedback.gesbi@ge.com giving ur card and complaint details. You should receive some reply within 24 Hrs, as I do.
Good Luck.
23-Oct-2007 at 11:58 am
Hi guys
I agree with every one here that sbi card is the worst ever credit card company that i have come across. Now it seems that they have crossed all the limits of modesty and are entering a phase of goondaayism.
31-Oct-2007 at 4:00 pm
This absolutely correct and I am also one of the victims of SBI cards, after agreeing on 0.99% Interest rate on balance transfer for 6 months, they told me after 5 months that they will charge on 0.99% monthly basis interest rate. I registered my complain with Banking Ombudsman of RBI. I don’t know how to solve this matter ?. If anybody have any suggestions please help me @ zipsubhash@yahoo.com
05-Nov-2007 at 4:38 pm
HI Guys,
SBI, a government bank, as usual no.1 in making tall claims but when comes to execution they have a tag line “*terms and conditions apply.” Thats the actual problem with this card. The different team representatives dont have any kind of coordination among them and to your utter surprise most of them dont even know when a particular scheme started and when it ended. Call up their customer care twice, u will get two different answers for the same question.
My story goes for the flight tickets booked by Sbi card through a particular website where they claim to give a 25% cashback on the basic fare of all domestic flights. But dint got the discount. When called their customer care, the person said its available only on Indian Airlines. As i asked as your pamphlet said “25% discount on all indian flights”, you will be amazed to hear the answer i got. “Indian airlines has changed its name to Indian Flights.!!!!!” Well am still waiting for my discount…
06-Nov-2007 at 11:01 pm
i totally agree that the worst ever card is SBI credit card. It is a simply a passport to insolvency. No one knows how they calculate interest. They keep changing rules time and again. Please please please dont accept this card.
07-Nov-2007 at 2:15 pm
Hey Guys..I am also one of the victim SBI as I am still suffering from them. my story starts wen i appplied for BT i.e balance transfer but the DD came to me after 1 year after my request date. they had started leving interest from the later date i.e request date. Nothing come out till date., I received the DD & give it back to Noida GE office. they were prompt to revers my BAlance transfer Amount but wat @ the interest which has accumulated from one & half year.which I am not supose to pay as I didnt use the DD. So after fighting & mailing..nothing has resulted yet.
Pls guys you can help me out in this or do i need to go Ombudsmsn ..how to approach them..
regards..deepak mali
12-Nov-2007 at 4:39 pm
SBI card is the best one which I came accross till now.
16-Nov-2007 at 8:00 pm
I agree with most of you when it comes to the pathetic service provided by credit card companies. However, after having endured and suffered these companies for quite a few years, I have some basic observations:
(1) Depsite knowing all possible hassles, people like you and me still go for newer cards, sometimes because of a pestering sales rep, sometimes because we find a particular card good looking, sometimes to show off, sometimes for the heck of it… but more often than not because we feel it will be a convenient paying option
(2) Credit card companies work on a simple model (and read this carefully). They generally dont make any money on your transactions… unless of course, you slip a little over the due date and they get back grinnig with ‘late payment fees’ and ‘finance charges’. Have you ever divided these charges by the amount o/s?!!! You’ll be shocked to see the effective interest rate. The other mode of course is annual fees, relatively harmless and more straightforward. So remember, they are just waiting for an excuse to levy funny charges on you - thats how they survive.
(3) Customer care more often than not, is so inaccessible (I’ve been made to wait anything from 2 to 18 minutes for a query). Try a tough query like reversal of charges, confirmation of payment, redemption of reward points or any complaint - the phone executive will do his/her best to test your patience.. hoping you hang up in desperation. Worst, there are no ‘real’ people you can reach and talk to. If the phone executive doesnt like your voice, she’ll just conveniently disconnect or put you on endless hold. Its upto you to call all over again, enter those codes (’dial 1 for shit, 2 for crap, 3 for bull…)
(4) Sweet talk rarely works with them. Whenever I’ve been polite, they’ve shuttled me here and there. But burst out in anger and they suddenly become more cooperative.
All in all its a lose-lose deal. If you stay calm, they’ll keep fleecing you. If you want to prevent that, you’ll have to spend valuable energy and increase your BP
My solution (for myself too)
(1) Keep a free credit card with low credit limit (not more than 25k) as backup for emergencies. Keep a tab on its expiry date lest they levy renewal charges
(2) Ask your bank to give you a debit card - it solves your cash carrying problem, gives you buying power without the risk of any funny and painful charges or increased BP
Cheers
G
16-Nov-2007 at 8:05 pm
Gaurav, good one.. I totally agree with your points..
19-Nov-2007 at 9:14 am
Good one Gaurav. You’ve taken out your time to comment.
I’ve had similar experiences. Be polite and nobody listens….not limited to only Credit Cards, but elsewhere too. Unlike in other countries, customer is not the king here. Companies take the customer for granted.
I would like to add here that the credit card users need to be cautious and alert when using credit cards. Know your limits, your budget. You need to repay this amount. Know your card payment due dates. Be prepared. Pay in time and avoid un-necessary funny charges.
Take care guys.
Try out this site. Some may find it useful.
http://www.consumercourt.netfirms.com/index.htm
Cheers!
29-Nov-2007 at 9:25 am
Much more bitter experience in (dis)respect of CITI BANK Credit Card…..if you do not like SBI Card, please do not choose CITI BANK Card as another option.
Get other cards….
05-Dec-2007 at 7:26 am
I am also using SBI card for the last 3 years and so far I have no complaints against them. I used to get their statements promptly every month, by post and through e-mail too. I used to pay the dues well before time every month. When I received the insurance policy on the first month, I told them that I don’t need it and they cancelled it. So far they have been nice to me on phone. I wish that such a good relation continues. I had some more credit cards (whose names I don’t want to disclose) and their services were much poorer as compared to SBI card.
06-Dec-2007 at 9:24 am
Yes, as said earlier, I had similar experiences as Bharathan. No problems with SBI Card.
I received Credit Cards from ICICI Bank without any request. A fortnight later, I receive another card from them based on the earlier card, again without a request. Moreover, my last name was wrongly printed on both these cards. Similarly from HSBC. I received an Add-on card without any request.
08-Dec-2007 at 2:09 pm
I just had a similar experience with my SBI card, statement missing and I have ended up paying a big fine. They said they will find out where the statements went. Let me see.
I have a CitiBank Indian Oil card liked to my savings account. They never charge me anything, even my wife’s addon card is free. No troubles since last 3 years. You can set options for converting big purchases to EMIs from the web. Also the credit limit can be changed through phone banking without an operator’s help. They have IPIN for web purchases, so nobody can steal your CVV and make online purchases. There’s lot of discount offers every month. They deduct the minimum amount automatically, so no late payment fees. I drag and drop the payment from my savings account. If you too have a CitiBank Suvidha Account, go for this.
10-Dec-2007 at 8:34 pm
Friends ,
I had worst experience with SBI.
I advise not to take SBI. It is worst service
14-Dec-2007 at 6:57 pm
sbi is worst possible card. they r like kigs who will harras u like any thing, i had very bad story. they charged me 29000 when amount was not paid to exam centre and i had to pay it
20-Dec-2007 at 5:18 am
SBI service sucks ! don’t ever think of having sbi. they are going ruin because of their service. their banking service is faaar better when compared to their credit card division. 20/24 hrs their website would be down.
26-Dec-2007 at 11:41 am
I am also using SBI card(vishal mart) for the last 6 months i have complaint against them. I used to get their statements promptly every month, by post and use to drop my cheques into SBI card drop box to pay the due well before time every month. When I received a call from SBI CS regarding the due, I told him that I have already droped a cheque of 1000/ personaly (actual min due amount in 250/- and OS was 5000) to avoid interest and then he said will chk our DB and get back to you soon. similar calls continued for 5-6 days regularly some times a female, some times a male banging my head off with same issue. At at last another statement came with wierd interest charges with fine and all stuff. NOW i made up my mind to clear all the OS and don’t want any relation this stupid bank. paid all the OS 6700/- no phone calls no emails so far from that side, suddenly that 1000/- chk got clear with 6700/- chk……..
will wait for JAN’08 statement will see if everything seems OK then will stop using the card for lifetime. else will see till end without paying /spending anymore money on this stupid thing.
fyi..
if any person is reading and related to this..for him this is wind before rain.. awake till the time its too late
02-Jan-2008 at 12:36 pm
Dear Friends
I have Read everybodys profile and i would like to suggest the following:
ALWAYS CALL ON TOLL FREE NOS THAT ARE 1800 SERIES NO THAT ARE FREE FROM MTNL/VSNL LANDLINES AND EVEN TATA CELL PHONES/WALKYS TO CONTACT EACH CREDIT CARD COMPANIES YO SAVE OUR PRECIOUS PHONE BILLS
ALWAYS USE FOUL LANGUAGE WHILE TALKING WITH THESE IDIOTS IE CUSTOMER UNCARE EXECUTIVES
ALWAYS RIGHT DOWN FULL NAME,CITY NAME OF CSR,EXTENSION NO OF THEM FORCEFULLY OR ELSE THRETN THEM TO LAUNCH COMPLAIN TO TEAM LEADER
ALWAYS RECORD NAME DATE AND TIME OF PERSON U TALKED AND TAKE SR NO ALWAYS AND KEEP RECORD IN DIARY OF EACH CALL MADE SO THAT IDIOTS ARE AFRIAD
TAKE MY HELP MAIL ME AT VKJAINBOMBAY@GMAIL.COM
I HAVE RECIVED COMPENSATION 7 TIMES ALREADY FROM THESE IDOTS
I AM EXPERT IN HANDLING THEIR CRAPS
BYE VISHAL
09-Jan-2008 at 11:24 pm
I have also worst experience with this persons,They changed my initials,I asked them to my original initial,for that they require proof ,once again I send my proof eventhough they aren’t change my initials.I send lot of mails to them and call customer care they told this is not our department and also they forcely cut Personnel Accident Insurence Premiums without my instructions, I asked customer care to unsubscribe from that scheme. they told that it is not their dept.
now I decided to cancel my card.
Pls help me what is the procedure for cancellation.
Thank you.
22-Jan-2008 at 9:44 am
This is the worst card I have ever used,the collection agents dont come on time and even if they come they charge Rs 60 for collection of check,actually people got confused with SBI and SBI Card,still people do not know that this card is being run by GE Money and not SBI.People should immediately cut the card into 4 pieces and send it back to the GE people,they are more or less cheating people.BEWARE.
22-Jan-2008 at 6:58 pm
I too faced the same problem with SBI Bank. The worst Card i ever seen. Creating the account they took 2 months that too with wrong address. for 3 months i did n`t receive any statement either by post or post. Suddenly one day payment dept. people called and forced me to pay the amount. I paid the full amount of Rs.X with post dated check , 10 days before the due dates. Even though i paid the full amount thru check they called me several times for payment saying we will close the collection evry month end on dec 31st, so atleast you should pay minimum amt. i paid that too including all tax and late payemnt fee. Now i want to close my card. But that idiots charged me check collection fee of rs.61. The site is most ridiculous without any security.
29-Jan-2008 at 2:49 pm
I too had worst experience with SBI Credit Card.
I have spent Rs.7640 on 27/10/07, and paid the amount through Visa Money Transfer on 03.12.07, i.e 3 days before the due date. They said they have not received the payment and I had to make payment again through cheque on 07.01.2008 for the same usage. I made a claim on VISA for return of earlier payment. Now they ask me to pay Rs.311 towards late payment charges.
I have been corresponding with them regularly, they reverse the amount on request and again debit late payment fee and finance charges etc. This is how SBI treat their customers for prompt payment. I am holding other Bank credit cards, which are updated immediately and the service is prompt. SBI CARD HAS MATERED THE ART OF DRIVING AWAY THEIR CUSTOMERS.
I ALSO SUGGEST NOT TO TAKE SBI CARD.
31-Jan-2008 at 5:24 pm
Same here. the worst experience with this SBI Card. Never ever go for SBI. They can harrase u any time in the day starting from 7 in th morning to 11 in the night….I had transacted for RS. 19334 on 16th August and I had paid an amount of RS. 19900 on Sep 8th. But they have received the check on 11th September. Now they have charged me an interest amount of RS 2300 odd even after I have paid the total amount within the period of 30 days within the grace period of 45 days.Now they have charged me an interest amount of RS 2300 odd even saying that their bill generation date is 18th.When I called the customer care first they said it’s the interest charged on the Super Suraksha Policy which i had never opted for and I had not received the any Policy.Only after I complained they have sent me the policy on 8th November.So there is no question of charging the interest on the Policy amount. And till then i had made an extra payment of 1066 to avoid their harrasement which now i got its for policy. But still they have charged me the interest of RS 2300. then what the intrest for? for paying it on time or they recieved 1 day late for that?Also when they give the card they will not say or nowhere it’s specified that we need to pay the amount depending on the bill date not on the transaction done where in we have a grace period of 45 days. It’s just said that we will be have a grace period of 45 days for the transaction and if we don’t pay the amount within the period we need to pay interest+ late payment….blabla bla… This is really unacceptable where in you keep the customers unaware of the facts and charge them unnecessarily. and even after writing to customer care or to their head no results no reversal…and still these customer cares guys keep calling u regardless of the time and if we with patience say will not hear anything and start harrasing…
Guys get rid of these idiot card and inform all of ur friends not to opt for this stupid SBI.
02-Feb-2008 at 9:31 am
Dear sir,
Ref :MQ0063520014131 Dated 26-12-2007
I shocked to learn your settlement cancel letter, I think this SBI find this way to earning money like that.
When I recd your settlement letter in march 2007 I was sure that SBI card is never ever think for his clients, but I trust yours Local executive officer and zonal officers meeting and talks, after Sbi got money 50,000 from me and cheating with me.
Till July to Jan 2007 I request many and many times to reverse I got only assurance and reverse promise letter from you instant of reversal.
Settlement letter of dated 13-02-2007 I received from SBI this letter on 23-03-2007.by hand,
I don’t now you terms and conditions, when I call on help line for this reply,you only look your payment there is no problem will face you.
because I am reputed and fair person I choose your settlement instant of legal fight
I am giving you details of settlement payment for your justice
7. Cheque of date 27-03-2007 Rs 13,000 clearing on same month
A. Chaque of date 30-04-2007 Rs 05,000 clearing on same month
B. Chaque of date 29-05-2007 Rs 08,000 clearing on same month
C. Chaque of date 30-06-2007 Rs 08,000 clearing on same month
D. Chaque of date 30-07-2007 Rs 04,000 clearing on same month
E. Chaque of date 31-08-2007 Rs 12,000 clearing on 07-09-2007 disowner
F. Re chaque on 11-09-2007 Rs 12,000 clearing on 13-09-2007 clear
You see I am paying you by the time I can’t understand why I am fail in settlement if there is problem in point F, so I got notice from SBI representatives now we have local Accounts for clearing of your cheque. so your cheque will clear within one or two days. I maintain sufficient fund and I prove that. but some cheque on 07-08-2007 will clear before your cheque. unfortunate.
I request SBI just look my account all cheque are clear within one or two days the last cheque will present after long time.
Sir, payment systems SBI Cards is always not fair, many times calls from you that our server is down so give us post dated cheque and some times yours local agency failed, some time there local representative will change. time by times, there are many confusion in your call center.Daily 8.30Am many and many re confirmation calls from your calls centers. many time misbehaving calls from your calls centers, there is no communication between there agencies. I am the person who punished from SBI Cards systems. I have all the letters and records to prove you lots of mistake in my SBI account.
I think the SBI Cards finds short cut of Income,they are not interseted in thinking costumers faver.
In my meter I request you to kindly look after my account and guide what i do. still i am not recd N.O.C. of zero balance statement as per they promise.
If I not find justice from SBI Cards I will go for legal.
Thanking you,
Pramod verma
Jodhpur
Raj
settlement tr no: raj422007464892
SBI Ac No : 0004317575021258612
04-Feb-2008 at 11:17 am
When I read about SBI Card, I wonder, how a Bank is allowed to spoil its name, when the card is infact run by GE. So GE is pocketing all profit, tormenting card holders but all bad named go to SBI., Great.
18-Feb-2008 at 12:24 pm
seriously, SBI has to rethink on the strategy of adding insurance without consent on the credit cards..majority of the card complaints r regarding this suraksha thing only..
even i have been troubled for the same..some 2 yrs back i got call for this surakha insurance for 2600/- odd but in statement it came as 3600/-, i immediatley called up CSR and todl them abt this and told them to cancell this and cancel card immediately as there was no o/s on the card. now after 2 yrs i get a call saying i need to pay 4500/-, i asked them wot its regarding, they told me to get intouch with the chennai office..i called chennai guys, they said its insurance renewal..i havnt got any plocy bond for the same..now they are calling up for settlement saying they can settle thing for 1500/-also..i havnt accepted any of this..theykeep calling me , i say the same,that i wont pay anything..ts going on now..
19-Mar-2008 at 1:14 pm
I have been having issues with this card since about an year (since March 16 2007 statement) when I expected a cash back offer from them. As they did not credit the cash back I made the payment excluding this cash back amount. Since then I have also been put finance charges every month.
For several months I called them up over phone (with no luck) and finally during bitter arguments and conversations with Team leads, etc., I came to know that I can escalate this with head.sbicards@ge.com. Even these people only after pursuing are now responding. Though they respond to the emails quickly the contents of their response is often meaningless without mathematics or logics.
Now I am dealing with them regarding the finance charges. They have reversed some part of the finance charges so far.
19-Mar-2008 at 6:59 pm
Hello,
Even I faced the same problem with this sbi credit card section, I paid the amount, after payment also, they harrassed me through many calls, I have got several threatnings by them, Now i have planned to go through the legal way. I have discussed this problem with my lawyer now I am filing a case regarding torturing my day to day life.
its good to put a case on these people, they are very rude and not humane….
I dont know why rbi is accepting sbi to continue credit card section……..
24-Mar-2008 at 9:59 pm
I am also one of the victim of SBI card. My son got the SBI card when he was in india. He closed the card while going to US for studies, in December. His card is here with me and there is no transction from December. One fine day in March He got the bill of Rs. 945, for no reason.He informed me to check and inform SBI that his card is closed. I had a great try to contact SBI but failed to do so. There customer care refused to respond as I was not card holder.
I went through the internet to find some link, I can use but found many letters from different people, who were harresed by SBI. To avoid the hassacement I paid the chaque of Rs. 945 for no rason and for no transction.
Now I want a written confirmation from SBI that the A/c is closed. Till such time I will be under tension. Kindly guide me how I can be releaved from the trap of SBI.
27-Mar-2008 at 5:54 pm
Well thanx guys..!!I have A SBI card And I’ll see to it that i Finish my credit payments ASAP ..and try hard to close my card..!!
thanx again..!!
28-Mar-2008 at 12:24 pm
Just I have got the SBI card , after reading the experience of these people I have decided to cancel my card.
Thanks a lot guys..
IF IT IS POSSIBLE TRY TO AVOID USE OF CREADIT CARD. CREADIT CARD COMPANIES JUST LOOTING THE PEOPLE.
11-Apr-2008 at 11:28 pm
As a badluck I got an SBI card through an executive who wanders in Govt offices and alas I happened to join an insurance scheme. I was told by the costomer care exec that after paying the total premium, the same will be reversed and credited in to my account for any purchase. I opted for a emi scheme and started paying the amount. After a few months the arrival of statements stopped and my real badluck started. since then I had paid double the premium amount, but it is informed that it is not completed yet. They suffered me a lot ; now I’m longing to escape from this trap. I had not destroyed the card bcause I dont want to lose the premium I paid. So my sincere advice, bevare of sbi cards.
01-May-2008 at 10:06 pm
I could not find any card worse than SBI. They have a horrible customer support and billing engine. SBI card is just a curse and pain in the ass.
Anirban Bhattacharya
19-May-2008 at 4:00 pm
Fully agreed. SBI is the worst card. It Very difficult to transact with them. Typical govt institution.
22-May-2008 at 11:40 am
My ordeal is different. Only once I have used SBI card to take money from an ATM. They have charged exsorbitant interest. Then stopped using at ATM. I used to pay regularly. I refused to take their loan, insurance etc. I only pay their regular service charge which I do not know why collected. Then my new card issue started. The inefficient people did not write the proper address of my Office. The inefficient courier did not find my house address. They useless courier company asked my residence address. I have told Old No17A and new no 4. Immidiately an arrogant lady told me that there is change of address and so she will not deliver. Then went to SBI Customer harassment cell. Again another arrogant lady took the phone and refused to help but only got my card cancelled. So if any one want the card to cancell, simply call the SBI Customer Harassment cell–your card will be cancelled. I have sent a mail to them but no response. Why reply??????. Government company—job is secured—-promotion/increment etc very secured—why to worry just to make fun—harass the cutomer !!!!
Dear Sir,
I have taken a card and holding that from 2004. In 2006, the SBI card has sent me new card through an USELESS/INEFFICIENT courier company called BLUEDART. That company could not deliver the card and sent that back. Finally one day I came to understand that the card what I was having is use less. Then I contacted your Customer DIS SERVICE center and the card was re sent. Again that use less BLUE DART could not find that address. I was following up and got the card at their office.
This year june the old card is expiering and a new card to be issued. To avoid the harassment, i was contacting your CUSTOMER DIS SERVICE center which is probably employing some of the most rude lady employees you can find any where. I have received an SMS 08-05-2008 from SBI card intimating a no SB08127082505 is despatched through that useless, un helpfull courier company.
I started tracking that and contacted the BLUEDART customer DIS SERVICE center.(044-28241234) I have sent mail also to this use less courier company.This use less courier comany customer DIS SERVICE sender people (Ms Monica, Mr Asmad etc) told me that the card can be delivered to me at my house on 19-05-2008.
BLUEDART has given first way bill no as 43538726022. Then they gave another no as 32534111993 and again one more new no as 11735422985.
As I was away from Chennai, I requested this useless BLUEDART –DIS SERVICE companay through their CUSTOMER HARRASMENT CENTER to deliver that card to me at my address (SSS PALACE, Old No 17A, New No 4, 9th Street, Krishna Nagar, West Tambaram, Chennai 600045-land line 044-22263818). One most RUDE lady today morning informed me that there is change of address and so she will not deliver that to me. The change is the New No4 and 9th Street. Earlier the number is 17A and the MUNICIPALTY has not given street name/Number etc. I told that rude CUTOMER HARASSMENT EXCECUTIVE LADY that there is no change of house only the number etc changed by the MUNICIPALTY. That rude lady was very adamant and informed me that she will sent that back.
I went to the SBI card CUSTOMER HARASSMENT CELL. There again another RUDE lady picked up the phone. After all recorded conversations. I have explained the harassment I underwent at the HANDS of this BLUEDART comapany and requested her that I am flying to US in a week and it is not possible for me to under go the procedure of revalidating the address etc and so I (Sr General Manager–maintaining about 40Lakhs deposit in SBI ADYAR and took home loan 13Lakhs at SBI ADYAR and my salary is also deposited in this bank) requested her to HELP ME OUT. That lady said that it s not possible for her to do any thing and he can not do any thing (except harassing me). I told her that if such is your treatment, I do not want such a card and so you can cancell that. That RUDE LADY has immidiately got my card cancelled.
What for you are employing such a rude un helpful lady. Afterwards I called the BLUEDART CUTOMER DISSERVICE center. This time another person took the phone and he assured me that he will arrange to deliver the card. Again I went to SBI HARASSEMENT CENTER and another male took the phone and informed me that my card is cancelled by that most rude adament lady you are employing as CUTOMER HARRASMENT EXCECUTIVE.
At 13.00Hrs that useless BLUEDART courier comapny is delivering that useless card at my house.
what is happening at your ORGANISATION.
whether that cancellation will be revoked or I have to take card from other bank.
Periakaruppan
29-May-2008 at 1:03 pm
Why don’t you surrender your SBI Card at least now.
I have surrendered mine some 4 years ago and yesterday i have received a mail attachment of my Monthly statement which is password protected *.pdf file
I am very much affraid to give a reply
I am thinking of abandening my mail id itself
Howzzzzzzzzat!
03-Jun-2008 at 1:37 pm
SBI card is the worst card to have.
The customer care people are very rude and the billing is very erratic.
Better to stay away from SBI.
06-Jun-2008 at 11:08 am
As my bad luck prevailed, i got this card. I am surprised by the way these collection agents and the teleecallers talk and behave over the phone. It happened to me that I had been out of my town on official tour. I generally do not pick up mob. no. unless they are known to me any how. It happened that the sbi tetcallers were kept callin and somehow as i was in a meeting so i didn’t picked up the phone. To my utter surprise, i got an sms from the same no. 0921234421 saying “kuttey key bacchey phone utta”. Even this has been reported to the customer care and they did as expected - there is no action against them and no reply from the customer care.
I request you to please be away from SBI Card
06-Jun-2008 at 4:23 pm
I am surprised to read so much negative about
SBI Card. I am using their card for the last 11 years
and over the years they have upgraded my
cards from classic to the GOLD card now. Now the primary
and the add on card both are free. Never had
problem, although sometime by mistake they include
annual charge, add on card charge but after I
explain to them they immediately reverse the charges.
Nevertheless, it is better to know the experience
of other people.
09-Jun-2008 at 4:52 pm
Please dont go for SBI CARD. ENTER AT YOUR OWN RISK as SBI CARD MEMBER
27-Jun-2008 at 6:36 am
yes i agree
SBI card collection department is the worst that i have ever experienced they will not listen to what we say they keep on calling for more than 10 times in a day inspite of the calrification given to the first call
i was not receiving the monthly statement from them but exactly before the bill generation day the calls from collection dept will start inspite of informing them that the bill was not received they say you have to pay xxxxx amount which is due by me they do not listen to what we say
the same calls will be received by me for more than 10 times in the same day
these calls are so distrubing that once i was caught in the busiest hours 9.45am while i was travelling to my office by a police men for driving my car while attending mobile (SBI Call) i was fined
since than i stopped attending these calls most of the time
i can only say dont go for SBI Card
i have several other cards but i have not been harassed by them as they send their bills in time and i pay cool sailing..
29-Jun-2008 at 9:33 pm
Ya! i too am facing the same difficulty. their website is constantly under updation and half of the bills never reach me. Sometimes the site does not accept the password and blocks the login.
04-Jul-2008 at 6:19 pm
Yes, Your statement is totaly correct. I am also facing same problem from last one year. I have even full and final singned copy of collection person, still i am geting statement with interset every month. I have even contacted Mr. Ajay Bhathi Head SBI card. But there is improvement. SBI card never follow thier committment. I am also using almost evry bank card, but every bank customer care fullfill their commitment. So avoid SBI card.
06-Jul-2008 at 12:10 pm
Yes,I am in agreement with the above views.
Total SBI credit card department is the worst & useless , in fact Credit card department is a cheater & cheating public money.
They never give any break up of interest even asked whatever they will give , we have no option rather to accept.
My humble request not to go for SBI credit card even if you have , pl cancell immediately.
07-Jul-2008 at 3:50 pm
Yes!
14-Jul-2008 at 5:27 pm
BHAI YE TO BILKUT SATYA HAI KI SBI CARD SABSE BEKAR CARD HAI
21-Jul-2008 at 10:17 am
I agree. On line a/c check is not possible
21-Jul-2008 at 5:19 pm
My experience with all cards are bad. SBI is worse as it hires goons with no education and language skills to work at call centres. both male and female callers are rude, crude and can not utter a word of English. They are the most behenjio characters and would come down to tapori langauge. They cant check internet adn I doubt whether they have any phone manners too. They are the most uncouth and unprofessional kinds. we are heading towards a goonda regime where by goons of ICICI and SBI will rule. Beware. dont take SBI cards.
31-Jul-2008 at 9:39 am
yea said right sbi credit card is worst that i have ever met…
31-Jul-2008 at 10:54 am
Yes I totally agree with this statement:
There are too many issues with SBI Card. I am absolutely not at all satisfied with the customer service which SBI is providing to the customer. This is the Worst ever card I have seen in my life.
Issues with SBI Card
1. Unfair late payment fees
2. Some Payments which are made are not reflected in my online account
3. Bad behavior by call center executives
4. Unfair charges on the card without asking the customer
5. Not received any documents for SBI card Royal sundaram insurance documents
6. Not received any documents on SBI Protection Plus insurance
7. SBI card online services has lot of errors
8. Nobody cares to resolve all these issues