Dec 16, 2020 07:23 PM
2468 Views
Hello All, I would like to share my worst experience with Axis Bank and their support team.
I am a customer of Axis Bank for 5 years. I didn't have any credit card so they offered me a new credit card and told me that it's lifetime free and you don't need to pay any yearly charges to use this card. I thought it would be good to use it without any charge.
One day, I ordered one mobile through this Axis bank credit card. I had canceled this order at the same time but the whole amount had been converted into the EMI and the bank charged me approx 1200 Rs. for that converted EMI.
Once I received a credit card monthly statement, I came to know about that charges and I didn't pay that amount as the bank should not charge me if I canceled the order. It was the time of 2019.
After receiving such an unnecessary charge, I stopped to use a credit card and requested customer care many times to block this card, but they didn't block it. On top of this, they have started to send me a monthly updated statement. The amount was increasing month by month with an additional amount of 700Rs. to 900Rs as late financial fees and interest on the 1200 Rs. I got the first statement of approx Rs. 1700, then the second statement was of Rs. 2400, then got Rs. 3100, Rs. 4000, Rs. 4900, and at this month I got the statement of Rs. 5772. It's been 2.5 years since to use that card and but still, I am getting monthly statements.
I requested many times to customer care, made many calls to the main branch(Vastrapur), but nobody helped me to settle down this matter. When I called them, they put down my call on hold and never got back to me to sort out this matter, and due to that, I had to lost approx 500-600 Rs. of talk-time just for such a call, which was not good for me. I guess every bank and telecom companies have tied up together to despoil us.
Do you think should I pay these unnecessary charges? Perhaps No, But, to sort out this matter and to avoid additional monthly charges, I had to pay unnecessary charges of 5772 Rs. If we want to buy any team of 5772 Rs., we always think a lot about that and then we buy it, but here we have to pay for unnecessary charges without getting any benefits of 5772.
You know that Vijay Mallya also scammed and many other people who have made fraud of core amounts and run away from India and these banks are taking interest from us and charging late fees on 1100 Rs and stretched it up to 5772 Rs.
I'd advise you to do not get the CREDIT CARD even if you are getting it free of cost. Be safe from these unnecessary charges.
