Credit Card Problem we faced
This is from one of our readers (didnt know we had any )
Anyway , i got a call around 2 years ago from a bank (bank name not listed for privacy concerns) , they told me i had ‘won’ a lucky draw , i would get a free credit card and also a free bag. I never really liked the credit card concept but thought a free one wont hurt. I called them to my home and i signed on the dotted line.
After 5 days i receive the cards , an addon card was also sent w/o my knowledge. it was ok till then , but 2 days later i got a bill for rs.2000 for the cards , horrified i called the bank customer care which was not responsive and i was put on an indefinite hold. then i decided to write an email to my bank. They replied 14 days later promising to look into the matter. I replied ‘i am not going to pay’ and threatened consumer court. Within 1 day they send me a reply with 2 options
1. Cancel the card
2. pay the fee and get 500 reward points
By this time i had realised the direct selling agents were actually frauds so i didnt really want them to have any commission and i decided to cancel the card, tore it diagonally and sent them back to the bank’s office.
Our take is that always take it from written from the Direct Selling Agents who offer you credit cards. Anyone who says you won in a lucky draw is lying, banks dont conduct lucky draws to see who can be their credit card customer for free. Similar things happen in insurance sector also , a story about that too will be published soon.