Dear Sir,

Since May'08 I have dispute with SBI Credit card for "encashment amount" every
month some encashment amount debited and credited in my account, I have already
written lot of mails and called in customer care several times but till now no
result found only assurance is there please wait some time.On behalf of that
amount some charges is automatically added in my account. I am receiving call
for payment from your side on daily basis and I update daily the matter to the
executive.

Can anyone update me when this issue will resolve?????

Thanks & Regards
Rajeev Sinha


Dear Mr. Rajeev Sinha

Thank you for writing to SBI Cards.

This is with reference to your communication dated Sep 30 2008 10:36AM .

We have taken note of your request, and would like to assure you that the same
is under consideration. We would be intimating you shortly on the status of the
same.


Should you have any further queries on your SBI card account, would request you
to reply at feedback.gesbi@... using the same subject line or please
contact our helpline at 39020202 or 18001801290 (only for MTNL and BSNL
users). Our customer service Representatives on the Helpline will now be
available between 8 am and 8 pm, Monday to Saturday. To access information
between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available
credit and cash limits, payments made, billed and unbilled transactions, to
request for a Duplicate statement/ATM PIN or to block a lost card, please use
the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer
Service, head.sbicards@... using the same subject line. You will receive a
response within 3 working days.



Yours sincerely,
Kranthi Kumar - Customer Service


Please note that the current rate of GST is calculated as 12.36% on the Fee,
interest and charges as applicable.


Effective October 01, 2008, the finance charges will be revised from 3.1% p.m.
(37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types
except Elite and Platinum cards.

To know more about Payment options, Duplicate statements, Website &
free reward points on E-statement registration, please click the SBI Card
attachment.

Make your life simple with E statements@ www.sbicard.com. Just the convenience
of getting your monthly statement delivered directly to your email inbox. To
avail the e-statement facility, please click on the highlighted

Please note that the current rate of GST is calculated as 12.36% on the Fee,
interest and charges as applicable.

This issue has not been resolved yet. Every day I am receiving phone call from
your side. I have logged complain several times but no positive result found.

Should we go to "consumer court" to resolve this dispute???????

Kindly suggest.

Thanks,
Rajeev Sinha
Mo:-+91 9891078766

From: feedback.gesbi <feedback.gesbi@...>
Subject: RE:'CaseID=002-844-618' RE: Review the statment
To: "sinharaj4u@..." <sinharaj4u@...>

24 Sep 2008

Dear Mr. Rajeev Kumar Sinha,

Thank you for writing to SBI Cards.

This is with reference to your communication dated Sep 21 2008 9:36AM .

We have taken note of your request, and would like to assure you that the same
is under consideration. We would be intimating you shortly on the status of the
same.


Should you have any further queries on your SBI card account, would request you
to reply at feedback.gesbi@... using the same subject line or please
contact our helpline at 39020202 or 18001801290 (only for MTNL and BSNL
users). Our customer service Representatives on the Helpline will now be
available between 8 am and 8 pm, Monday to Saturday. To access information
between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available
credit and cash limits, payments made, billed and unbilled transactions, to
request for a Duplicate statement/ATM PIN or to block a lost card, please use
the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer
Service, head.sbicards@... using the same subject line. You will receive a
response within 3 working days.



Yours sincerely,
S Jayashree- Customer Service


Please note that the current rate of GST is calculated as 12.36% on the Fee,
interest and charges as applicable.


Effective October 01, 2008, the finance charges will be revised from 3.1% p.m.
(37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types
except Elite and Platinum cards.

To know more about Payment options, Duplicate statements, Website &
free reward points on E-statement registration, please click the SBI Card
attachment.

Make your life simple with E statements@ www.sbicard.com. Just the convenience
of getting your monthly statement delivered directly to your email inbox. To
avail the e-statement facility, please click on the highlighted

Upon calling the SBI Card helpline, access your Card account information through
our Automated System - IVR and know Current Outstanding, Last Payment, request
for Duplicate statement and more. For details refer the attached instruction.

Please note that the current rate of GST is calculated as 12.36% on the Fee,
interest and charges as applicable.

From: Rajeev Sinha (sinharaj4u@...)
Date: Sunday, September 21, 2008 09:29 AM
To: feedback.gesbi (feedback.gesbi@...)

We are getting phone call on daily basis. It's mentally harassing me.


Thanks,
Rajeev Sinha
Mo:-+91 9891078766


From: feedback.gesbi <feedback.gesbi@...>
Subject: <AUTO> 'CaseID=002-844-618' RE: Review the statment
To: "sinharaj4u@..." <sinharaj4u@...>
Dear Sir / Madam,
Thank you for writing to SBI cards.
This is a system-generated response to acknowledge receipt of your e-mail. The
subject line contains the reference number allotted to your e-mail. This
interaction is being tracked through the above reference number and we request
you not to change the subject line in future correspondence . Our Customer
Service Executives will revert to you through call or e-mail within 7working
days.
In case your query requires further investigation and takes a longer time, we
will keep you informed on the time required for resolution.
We would request you to mention your SBI Card Account / Card number in all your
correspondence to enable us to process your request at the earliest.
Assuring you of our best services at all times.
Warm Regards,
SBI Cards Team
Payment Options With SBI Cards. You can now make payment (s) to us through 8
different ways.
Pay Net: - Click on pay net at www.sbicard.com to make your payment online from
your bank account available with HDFC Bank, Citibank, Kotak Mahindra Bank, Axis
bank PNB and IDBI bank
Pay Cash: - Walk into 3500 Easy Bill Merchant Outlets & Pay in Cash (Available
in selected cities only)
SBI ATM: - Pay at over 8000 SBI ATM with your SBI ATM / Debit Card.
Online SBI: - Simply log on to Welcome to OnlineSBI to pay your bills directly from
your SBI Bank Account.
Electronic Drop Box:- Please make cheque payable to your €œSBI Card Number
xxxx€� (16 digit SBI Card number) & get on instant receipt. (Available in
Bangalore City only Outstation cheques not accepted.)
VISA Money Transfer: - Use VISA Money Transfer funds to pay your SBI Card bill.
(Available for VISA cardholder only)
Electronic Clearing System: - Authorize us to debit on account (Saving /Current)
of any bank by filling an ECS Form. (Available in DELHI, MUMBAI, BANGALORE,
HYDERABAD AND KOLKATA only)
SBI Card Drop Box: Please make cheque / Drop payable to your €œSBI Card Number
xxxx€�(16 digit SBI Card Number) Outstation cheques not accepted.
Online Services with SBI cards
Now you can manage your account Online from Anywhere & at Anytime by logging on
to our website www.sbicard.com and " creating your User ID and Password ". Post
registration you will have immediate access to the following features:
View and Print your Last 3 Monthly Account Statements
View your Latest Transactions / 1 Year Payment History / Outstanding
Track your Total Outstanding Due & Payment Due Date
View Account Status - Available Credit & Cash Limit
Locate Drop Box
Reward point list
Modes of Payment ....and much more.

This is to inform you that the issue has not been resolved till now. From
June'08 onwards incash amount is showing in my account. Lots of incash fund is
showing (debit, credit) in my account which I have not taken.
I am receiving phone call from your side for payment on daily basis.
I have already logged complain in customer care but no benefit.

Kindly look in this matter and close this issue ASAP.

Thanks & Regards
Rajeev Sinha

From: Rajeev Sinha
To: feedback.gesbi
Sent: Wednesday, August 06, 2008 5:04 AM
Subject: Re: RE:'CaseID=002-609-674' Review the statment


Dear Madam,

Last month it has been said to me to pay 3795/- to clear your account and
complain against draft (which has not given to me). I have did same. I paid
3795/- on 7/7/08 and complain on 06/07/08, my complain no is 0071880010569.

But till now issue has not been resolved. Statement still showing big amount.
which has not given to me.

Kindly do the needful. I am going to destroy my SBI card and I will send to you.

Thanks & Regards
Rajeev Sinha

From: feedback.gesbi
To: Rajeev Sinha
Sent: Monday, July 07, 2008 10:14 AM
Subject: RE:'CaseID=002-609-674' Review the statment


July 07, 2008

Dear Mr.Rajeev
Thank you for writing to SBI Cards.
This is with reference to your communication dated June 28, 2008.
SBI Card Related : We would like to assure you that we have taken a note of your
complaint and we shall get the same resolved at the earliest. We shall revert to
you on the status of the same.

In case of any further queries on the SBI Card, we would request you to reply at
feedback.gesbi@... using the same subject line or call our 24 hours, 7 days
a week, at our local Helpline number 39020202 or 1800-1801290 (for BSNL and MTNL
users).

If you are not satisfied with the response, you can write in to AVP, Customer
Service, head.sbicards@... using the same subject line. You will receive a
response within 3 working days.

Yours sincerely,
Neha Gupta Customer Service

To know more about Payment options, Duplicate statements, Website &
free reward points on E-statement registration, please click the SBI Card
attachment.

Make your life simple with E statements@ www.sbicard.com. Just the convenience
of getting your monthly statement delivered directly to your email inbox. To
avail the e-statement facility, please click on the highlighted link -
**** Zero wait information @ helpline !!!
Upon calling the SBI Card helpline, access your Card account information through
our Automated System - IVR and know Current Outstanding, Last Payment, request
for Duplicate statement and more. For details refer the attached instruction.

-----Original Message-----
From Rajeev Sinha (rajeevsinha@...)
Date: To: feedback.gesbi (feedback.gesbi@...)
Subject: Fw: RE: Review the statment

Dear Madam,
It seems you are not taking interest to resolve this issue. This will be my
last e-mail to you after that I am not going to pay anything until I received
satisfactory response from your side and the issue should be resolved ASAP.

Thanks
Rajeev Sinha


Dear Madam,
I understand everything what you have tried to convinced me but my question is,
In month of April statement total amount due was 9994.62 and in May it gone up
as 39766.24 how is it possible when I have not used this card in between for
cash or purchage?

Thanks
Rajeev Sinha

----- Original Message -----
From: feedback.gesbi
To: Rajeev Sinha
Sent: Thursday, June 19, 2008 1:48 PM
Subject: RE:'CaseID=002-609-674' Review the statment
June 19, 2008
Dear Mr.Rajeev
Thank you for writing to SBI Cards.
This is with reference to your communication dated June 04, 2008.
Charges : We would like to share with you that against the outstanding balance
of Rs. 13669.33 billed in your statement dated January 01, 2008 we have
received part payment of Rs.900.00 on your account. Therefore your card account
was levied with finance charges.
Every month, your statements are dispatched on the 1st of every month. You have
an option of paying the complete amount due (this appears as total outstanding
on your statement) or the minimum amount due which is either Rs.200.00 or 5% of
the total amount due, whichever is greater.
Kindly note that your payment due date is twenty days after your statement
billing date. Please ensure your payment of atleast the minimum amount due
reaches us by the payment due date.
The interest free credit period for a purchase (and any related debited charge)
apply if the outstanding balance on the card account for the previous statement
period is paid in full by its payment due date. In case payment, is made less
than the minimum amount due or any other amount less than the total outstanding,
your payment revolves on your card account, thus no interest free credit period
available to the card member.

The finance charge will be levied at 3.10% per month ( 37.20% per annum) on a
daily balance basis. (balance subject to finance charge will include opening
balance and fresh purchases). This process continues till the complete
outstanding on your card account is paid in full.


Please note that with the revolving credit facility you can pay only the minimum
amount each month, Your payment must reach us before the payment due date. A
service charge will be applicable to outstanding carried forward, to the full
amount due, if part payment is made to fresh billings. The minimum amount due
which are repaid 20 days or more after the payment due date will attract a late
payment charges 30% of minimum amount due (minimum Rs. 350, Maximum Rs. 600 +
12.36%GST). Thus, please send your payments at least equal to your minimum
amount due by the payment due date every month.

Please note that it takes up to four days for us to realize the payment made or
sent by you. In your case, we received the payment later than the payment due
date. We would request you to plan to send your payments a few days before the
payment due date, so that your account is not levied with any late charges. The
payment due date is the latest date by which the bank should receive the cheque.

We wish to inform you that your SBI Card revolving Credit Facility offers you
the power and flexibility to plan payments against you dues. You need to pay
only your €˜minimum amount due€™ every month, and the balance in easy
installments,
You have the choice to pay any part of the balance over the minimum amount you
consider convenient. The minimum amount due is calculated as a certain
percentage of your total outstanding.


Please note that If you send a payment for the Total Balance before the payment
due date, then no interest charges are applied, so you get an interest fee
credit from the date of purchase to the date on which the above payment is due.
Also if you send a payment for the minimum amount due, or pay part amount less
than the total amount due, then interest charges are applied on the balance
amount from the month your payment starts revolving and on fresh charges that
you incur subsequently.
Please note that the minimum amount is calculated as a certain percentage of
your outstanding, as is currently is 5% of you purchases/cash
advance/fees/charges and is subject to a minimum Rs.200.
If there is some unpaid minimum amount due of previous statements, then these
will also be added to the minimum amount due of your current statements.
Further due to the above mentioned reason as per the statement dated June 01,
2008 the minimum amount due is Rs.26903.69 and the total amount due is
Rs.38623.97 on your SBI card account.

Hence, we wish to reiterate that we are unable to reverse any charges levied to
your SBI card account.

In case of any further queries on the SBI Card, we would request you to reply at
feedback.gesbi@... using the same subject line or call our 24 hours, 7 days
a week, at our local Helpline number 39020202 or 1800-1801290 (for BSNL and MTNL
users).

If you are not satisfied with the response, you can write in to AVP, Customer
Service, head.sbicards@... using the same subject line. You will receive a
response within 3 working days.

Yours sincerely,
Neha Gupta - Customer Service

To know more about Payment options, Duplicate statements, Website &
free reward points on E-statement registration, please click the SBI Card
attachment.

Make your life simple with E statements@ www.sbicard.com. Just the convenience
of getting your monthly statement delivered directly to your email inbox. To
avail the e-statement facility, please click on the highlighted link -


Dear Sir,

In month of April statement total amount due was 9994.62 and in May it gone up
as 39766.24. I am unable to understand how is it increased so much as I have not
used this card for purchase or cash.
Kindly check and advice.
Thanks & Regards
Rajeev Sinha
----- Original Message -----

From: feedback.gesbi
To: Rajeev Sinha
Sent: Tuesday, May 27, 2008 8:04 AM
Subject: RE:'CaseID=002-609-674'Review the statment
May 27, 2008
Dear Mr.Rajeev
Thank you for writing to SBI Cards.
This is with reference to your communication dated May 16, 2008.

Outstanding Related : We wish to inform you that your SBI Card revolving Credit
Facility offers you the power and flexibility to plan payments against you dues.
You need to pay only your €˜minimum amount due€™ every month, and the balance
in easy installments,
You have the choice to pay any part of the balance over the minimum amount you
consider convenient. The minimum amount due is calculated as a certain
percentage of your total outstanding.


Please note that If you send a payment for the Total Balance before the payment
due date, then no interest charges are applied, so you get an interest fee
credit from the date of purchase to the date on which the above payment is due.
Also if you send a payment for the minimum amount due, or pay part amount less
than the total amount due, then interest charges are applied on the balance
amount from the month your payment starts revolving and on fresh charges that
you incur subsequently.
Please note that the minimum amount is calculated as a certain percentage of
your outstanding, as is currently is 5% of you purchases/cash
advance/fees/charges and is subject to a minimum Rs.200.
If there is some unpaid minimum amount due of previous statements, then these
will also be added to the minimum amount due of your current statements.
Further due to the above mentioned reason as per the statement dated May 01,
2008 the minimum amount due is Rs.28437.89 and the total amount due is
Rs.39766.24 on your SBI card account.

In case of any further queries on the SBI Card, we would request you to reply at
feedback.gesbi@... using the same subject line or call our 24 hours, 7 days
a week, at our local Helpline number 39020202 or 1800-1801290 (for BSNL and MTNL
users).

If you are not satisfied with the response, you can write in to AVP, Customer
Service, head.sbicards@... using the same subject line. You will receive a
response within 3 working days.
Yours sincerely,

Neha Gupta - Customer Service

To know more about Payment options, Duplicate statements, Website &
free reward points on E-statement registration, please click the SBI Card
attachment.

Make your life simple with E statements@ www.sbicard.com. Just the convenience
of getting your monthly statement delivered directly to your email inbox. To
avail the e-statement facility, please click on the highlighted link -






Dear Sir,

My name is Rajeev Kumar Sinha, my card no - 4317575064238836. I have been using
SBI card for last two years.
Now I am facing problem with my account. Can you please check my latest
statment. It shows min amount due as 28437.89 total amount due - 39766.24,
however my credit limit is 16000 only.

Total Credit Limit
16,000
Available Credit Limit
17,329.36
Total Cash Limit
6,400
Available Cash Limit
6,400
Current Outstanding
40,910.64
Updated on
16/05/2008

Kindly check and do the needful.

Thanks & Regards