https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552091
Charged for credit card even the card was not activated by me
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If anybody is having any idea please help
I had a Citi card which I haven't activated not used but still they had charged me annual charge of. 1500 but the card was provided LTF and now my cibil is hit hard as they had reported 70 late payments
Anyone please help me in this
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https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552126
raise complaint to rbi ombudsman, if the card is LTF then bank can remove/correct all late payment reports from cibil
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552161
baludesi wrote:
First contact citi/axis and discuss things to get clear idea about tnc (in case u are missunderstanding any).
After that, request them to remove charges and cibil correction ( dont hold any hope, cibil jo gua vo gya), maybe settlement ka offer dede (agar ltf nhi tha toh, citi ka card ltf hota nhi nhi, min spend 30k rehta hai as per my info, bahut rare logo ko ltf milta tha vo bhi kafi pehle).
If u feel they are not cooperating or in case u are not satisfied, then approach rbi ombudsman, still cibil toh bhul jao.
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552215
@creator.yt ... this is very late but first step would be clearing it out with Citibank, preferably over email because RBI Ombudsman requires you to wait for at least 30 days to lodge a complaint in case issue isn't resolved.
Post writing an email, do call them as well because they've a good support team (no idea if it's handled by Axis Bank or Citibank now) and it's a case of urgency.
P.S. Please check your statements regularly and more importantly, check every email and credit bureau reports on a monthly basis, a reminder to all the credit cardholders 😇
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552312
sahil1033 wrote:@creator.yt ... this is very late but first step would be clearing it out with Citibank, preferably over email because RBI Ombudsman requires you to wait for at least 30 days to lodge a complaint in case issue isn't resolved.
Post writing an email, do call them as well because they've a good support team (no idea if it's handled by Axis Bank or Citibank now) and it's a case of urgency.
P.S. Please check your statements regularly and more importantly, check every email and credit bureau reports on a monthly basis, a reminder to all the credit cardholders 😇
Bro but in cibil it is now renamed to axis bank it is showing and axis is a thug
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552314
sahil1033 wrote:@creator.yt ... this is very late but first step would be clearing it out with Citibank, preferably over email because RBI Ombudsman requires you to wait for at least 30 days to lodge a complaint in case issue isn't resolved.
Post writing an email, do call them as well because they've a good support team (no idea if it's handled by Axis Bank or Citibank now) and it's a case of urgency.
P.S. Please check your statements regularly and more importantly, check every email and credit bureau reports on a monthly basis, a reminder to all the credit cardholders 😇
How to check is it regularly cibil is paid and now exprian is also paid 😭
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552445
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creator.yt wrote:for which card are you seeing this? some Citibank credit cards have been discontinued and for that, Axis Bank counterpart credit card was offered but some of the Citibank credit cards are still active, like Citibank Rewards credit card which I currently holdBro but in cibil it is now renamed to axis bank it is showing and axis is a thug
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552455
Expand
CIBIL :
- official CIBIL website allows you one FREE report once in a year
- OneScore app allows once a month
- Google Pay allows once a month
- Axis Bank CIBIL Corporate portal allows once a month (Sign Up | Login)
Experian :
- It's FREE, all you need to do is, message on WhatsApp at +919920035444
There could be other ways too but I follow the above mentioned ones and check CIBIL (twice in a month) and Experian (once a month and as required).
Hope it helps!
creator.yt wrote:there are several ways :How to check is it regularly cibil is paid and now exprian is also paid 😭
CIBIL :
- official CIBIL website allows you one FREE report once in a year
- OneScore app allows once a month
- Google Pay allows once a month
- Axis Bank CIBIL Corporate portal allows once a month (Sign Up | Login)
Experian :
- It's FREE, all you need to do is, message on WhatsApp at +919920035444
There could be other ways too but I follow the above mentioned ones and check CIBIL (twice in a month) and Experian (once a month and as required).
Hope it helps!
https://www.desidime.com/discussions/charged-for-credit-card-even-the-card-was-not-activated-by-me?page=1#post_9552499
@sahil1033 check ur dm
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