My sbi credit card got deliquented.
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I last paid my sbi bill in april and for the month of may my bill was -40 so i obviously didn’t pay and for june it was 100 so i didn’t bother to pay that also as i knew that below 200 no interest is accrued.
But today my sbi app shows warning after my new statement generation that for the last 3 months I haven’t paid and they have even put finance charges of 400 on my 100 rs bill.
And the app is not even letting me raise a ticket for the same.
Has anybody ever faced this before and if so then were they able to get their finance charges rolled back.
And also wtf kind of behaviour is this ?
Is this normal by sbi ?
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Actually in the past i have done the same with icici and hdfc and this kind of situation never happened with those and so i did the same here and never expected something like this.
As per sbi website :
Nil if total amount due is 0-500₹
Additional 100₹ charge if the user doesn’t pay for two consecutive cycles.
I have sbi elite card and my due is 100-200 and I don’t pay it because they don’t charge for it. So op read all the t&c’s as you’re right that they don’t charge for just 100₹
Default is default. Amount dose not matter.
Small amount of default actually raises alarm bell in system.
It shows the person has no money to pay even small amount.
So avoid defaulting small amount.
I think i made a huge mistake here although now i have cleared the dues it still shows the same.
Btw is there any way i could get the finance charges reversed ?
Also how can finance charges for just 100rs turn 400 can anybody explain ?
I am the victim of this sbi Card. They reversed some fee/charges but didn’t told me to pay first. Later they put finance charges on it. I told them later I will not pay. They keep on increasing . Later had to pay all cause the company which I joined told me to clear my cibil .
So pathetic.
Why did they put finance charges? Did you not pay monthly due?
I do neft when I see such small bills, we can never be sure of about charges they levy, their systems are crazy
not paying MAD 100+100 – for 2 months
no payment for 2 months =100+100 probably
But in the first month his due was -40 so what should he pay? He didn’t pay for the second month which will actually be counted as first month.
Today i received a reply from the customer service head that my card is active now for usage and we empathize with you and then normal SBI automated message.
They literally just ignored the finance charge reversal part and didn’t even acknowledge on why it was charged at the first place.
Check your card for any new reversal of some charges in next 1-2 days or next statement.
I do not understand why one would want to play with the system unnecessarily and then scream foul if the system somehow bites back.
Why would one consistently, as a policy, not pay what is due (at minimum), whatever be the amount?
Bro what are you talking about consistently this happened with me for the first time with SBI and even you can check their TnCs which are posted here also that below 200 you are not charged anything.
But yeah i have learnt my lesson now.
Pay even if its 1 re. Its their bank and card service.
Not just sbi, all banks are getting shittier.
So be careful with any bank any card.
They might reverse the amount when you call. But would you get time each and everytime for this..
Oh yes, all banks act smart and reverse the amount minus the tax. We have to follow again for the tax reversal. Indians tolerate a lot.
Oh i didn’t knew it’s a common phenomenon. If someone has bills in lakhs they can easily fool them this seems to be one of their business models to me now.
Showing english vocalbulary or discuss something ,confusing topic ??
Showw off 
??
Money which you use, should be paid before the due date. Even it may be small amount.
If you skip then interest will be charged, it’s as simple as that.