https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9032553
Citi Bank
After amex which bank/plateform has strongest suport for consumer
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its comon that Amex has best consumer support in case of chargeback due to its strong consumer suport policies , after amex which other bank offer the best of it >?
is chargeback policy differ by banks or plateform (rupay/master/visa)?
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https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9032636
saurabh1090 wrote:Citi Bank
Which is closing now and taken over by worst customer care Axis Bank 
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9032876
icici is good.
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9033622
hsbc is good
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9034698
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9034700
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demerius2020 wrote:
agrees axis customer care is straight bunch of liars , i applied for myzone card and on calling they said your application got rejected , received the card on next day
Applied on 31st December,no further response yet
Contacted there twitter support team all genric response
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9034741
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anantnitish wrote:I applied for myzone card in sept. No response from them. Again applied after 20 days, got card in 3-4 days.Applied on 31st December,no further response yet
Contacted there twitter support team all genric response
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9035097
Axis twitter team has most no of tallebaaj.
Waise why every other thread turns into Axis rant thread.
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9035134
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9035383
AMEX better customer support is because of its all paid card offerings & small customer base (~15 lakh)? Also, until recently the cards were reserved only for employed (+ limited serviceable cities/towns)
Citi too belongs to the same league with ~15 lakh customers and they're infamous for rejecting credit cards for various reasons (self employed, too many credit cards & ..)
On the other hand: HDFC, SBI Card, Axis & ICICI got way more number of customers (ICICI Apay and FK Axis alone got a customer base of 20/30 lakh each). With increasing customer case (especially via free cards) i believe changes in chargeback / support policies are inevitable
AFAIK it is the banks / cc issuers behind these chargeback polices and they're largely similar across all prominent options (except for may be the timeline/deadline for raising disputes) and unless you got a very convincing argument they tend to side with the merchants
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9036621
getready wrote:AMEX better customer support is because of its all paid card offerings & small customer base (~15 lakh)? Also, until recently the cards were reserved only for employed (+ limited serviceable cities/towns)
Citi too belongs to the same league with ~15 lakh customers and they're infamous for rejecting credit cards for various reasons (self employed, too many credit cards & ..)
On the other hand: HDFC, SBI Card, Axis & ICICI got way more number of customers (ICICI Apay and FK Axis alone got a customer base of 20/30 lakh each). With increasing customer case (especially via free cards) i believe changes in chargeback / support policies are inevitable
AFAIK it is the banks / cc issuers behind these chargeback polices and they're largely similar across all prominent options (except for may be the timeline/deadline for raising disputes) and unless you got a very convincing argument they tend to side with the merchants
is it like BSNL offering to far reaching village and thus compromise on customer support?
and more of a usage pattern i never paid for amex membership 1.5 L spend/month
amex is also not double standerd wrt wallet recharge
reward redemption is free with amazon/taj vouchers
take paid /premiun cards of HDFC, SBI Card, Axis & ICICI and see if customer care improves
if u have strong case u will win i think , i filed chargeback of 12k with sbi and won
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9036766
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demerius2020 wrote:is it like BSNL offering to far reaching village and thus compromise on customer support?and more of a usage pattern i never paid for amex membership 1.5 L spend/monthamex is also not double standerd wrt wallet rechargereward redemption is free with amazon/taj voucherstake paid /premiun cards of HDFC, SBI Card, Axis & ICICI and see if customer care improvesif u have strong case u will win i think , i filed chargeback of 12k with sbi and won
More like Jio/Airtel, plan price/benefit revision (+ network deterioration via congestion) with the increase in subscriber base
With premium cards, we might offer premium support but the banking/chargeback policies remain same for all the cards? Personally i am using Ola SBI credit card for ~3 years and for this entire duration (until Nov 22*) the card gave me 7% cashback for olamoney wallet loads. From Oct 2021 they removed 10x RP with a popular card SimplyClick Then they launched/announced cashback card on Sep 1 last year, everyone was after it (Got 10k/20k cashback just via Uber loads) and then they were forced to make sudden changes to the RP/Cashback during sale for all the cards. Ideally they should've notified users a month before the sale start but they rushed it because of excess exploitation and created a big mess. Even if AMEX or Citi got one such card with very attractive reward system the onboarding process is complicated.
And yes my experience with chargebacks is similar (ICICI and SBI)
https://www.desidime.com/discussions/after-amex-which-bank-plateform-has-strongest-suport-for-consumer?page=1#post_9037020
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getready wrote:More like Jio/Airtel, plan price/benefit revision (+ network deterioration via congestion) with the increase in subscriber base
With premium cards, we might offer premium support but the banking/chargeback policies remain same for all the cards? Personally i am using Ola SBI credit card for ~3 years and for this entire duration (until Nov 22*) the card gave me 7% cashback for olamoney wallet loads. From Oct 2021 they removed 10x RP with a popular card SimplyClick Then they launched/announced cashback card on Sep 1 last year, everyone was after it (Got 10k/20k cashback just via Uber loads) and then they were forced to make sudden changes to the RP/Cashback during sale for all the cards. Ideally they should've notified users a month before the sale start but they rushed it because of excess exploitation and created a big mess. Even if AMEX or Citi got one such card with very attractive reward system the onboarding process is complicated.
And yes my experience with chargebacks is similar (ICICI and SBI)
i dont think credit card customer care differ by cards subscriber ,u gettting same tone of customer support if its SBI OLA or SBI elite ,and it doesnt matter how many subscriber they add
and whats 'premium support '?, i m happy if they just reply to my email and i have pdf of email conversation even SBI does it well ,AMEX have it 24x7 chat support
also SBI will adjust it policy 10 times in a year while amex doesnt do that
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Which is closing now and taken over by worst customer care Axis Bank
