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

Dear Sir,
Respectfully, I am here to say that due to difference in signature in my cheque is bounced and i am punished with a penalty of Rs. 380.71 on dated 6/Nov/2009. Sir, it my misunderstanding and i am ready to give another cheque. So, Please its my kindly request to you that plz consider my case and help me by taking this penalty back as i am an Old customer of Sbi Vishal mega mart. I will be highly obliged for your kindness. Plz, inform me of your dession regarding this matter.

thanking you
Your's sincerely

Surendra Kumar
Office of Cheif engineer PWD
Yamuna Colony
DEHRADUN
248001
Mobile No.- 9997276476

Dear Customer Care,
I am a customer of SBI card for long and use it regularly on a monthly basis for so many years now. I have two serious complaints for which I am much anguished and am taking the cases to the consumer forum as your executives express there helplessness in both the matters.

1. I have authorised my SBI card to make my bill payments for Airtel, MTNL and Electricity for the last few months. The bills get paid automatically and I pay by debit of the card regularly. This time my Airtel bill was not paid, on contacting the customer care I was told that because the bank received the electronic generated bill from airtel only on the 19th of Feb and the due date was 21 feb they could not and will not make the payment and I was advised to make the payment with late charges. I asked them why they could not infrom the customes about non payment of Airtel bill considering the customer is resting assured that bill has bee paid, you get a curt reply that we are sorry and we have no such system. The less is said about getting thru' the SBI card helpline number the better . After trying for days realised that we can call the 8 digit no helpline thru a mobile only and yu could atleast get this number. .

2. The other concern is payment of a bill twice. It is the 3rd or 4th time I am paying my SBI creditcard bill for a month twice. You drop your cheque in time and you realise through a phone call from SBI credit card people that payment has not been made and you promptly drop another cheque. You are advised to order stop payment from the other cheque 15 days after you have dropped it for clearance. If SBI can check my previous accounts they will realise how many times this has happened and extra amount was credited into the card account. There is some laxity in the cheque collection system and you are harassing the customer by charging extra money everytime. At times the previous cheque remains untraceable and you are told that you must have dropped into the wrong SBI box without ever telling the customer that the credit card box for SBI card is different than normal cheque boxes of SBI as against all other banks. Only way to know about that is to dare faulter once!.

This has again happened in this month's payment again and I was asked to drop another cheque today which obviously I have, to save myself further harassment. Why should a customer be harassed all the time to go with an application to the bank and pray for stop payment. At times you realise that by that time the previous cheque has already been debited from the account. In case you decide not to make another payment you will get hefty late payment charges and you will spend days getting yourself connected to SBI card help line and then the customer care executive only books your request and you see that nothing happens in the next months account as well then you either try and waste your days getting across to the ill trained people who have little knowledge as to what you can do in such situations.

SBI card should tell me why I should not take these issues to the consumer forum especially the second one since its a long standing problem.

Sir,
I want to state that I have made the payment of my SBI credit card no.5264685325914545 for the bill generated on 23rd Feb,10 for the amount of Rs 8487=00 by cheque no. 091105 dated 03 Mar,10 issued by SBI, AFS AVADI CHENNAI-600055. The cheque was dropped in the drop box of SBI, HVF AVADI, CHENNAI-600054 on 03rd Mar, 10.But the Cheque has not been actioned so far. You are requested to intimate the reason for delay in actioning the above mentioned Cheque. My payment date is 15 Mar 10.
With regards
Vimal Chandra Pandey
Mob No. 9043526724

My Card No.5101 2869 2913 5624, I did not receive the statement dated: 15-03-2010 sofar. I made a request to you over telephone about 15 days back. Still I did not get the statement. Therefore I am once again requesting you to send the statement dated 15-03-2010 forthwith.

With regards

T V RAMANA RAO
Mob No. 9849012070

sir ,
I want to state that I have made payment of my card no 5264 6853 1529 4841 for bill genarated on 04 april 2010, for amount Rs 948.54 by cheque no 964297, dated on 19 april 2010 issused by sbi. The cheque was droped in drop box of sbi main branch Belgaum , Karnataka on 19 aprial 2010. But the cheque has not been actioned so for . you are requested to intimate the reason fir delay in actioning.
with regard
Jagadeesh N Banakar
Mobile :94488 63937

Dear Sir/Madam

I am SBI Credit Card Holder since october 2005.i have received a few of monthly statements by post till now.i need a detailed statement since issue of my card to till date.my SBI Credit card no : 4317575505128117. it is expired by February 2008 itself. i am waiting for my renewal card now from SBI Credit Card division.Please send it by e-mail ASAP. Also please issue my Renewed SBI Credit card at the earliest possible.

Thanks & regards

SADASIVARAO B
Cell :97057 46064

sir
I am ALOK BHATTACHARYYA SBICARD NO 4317575204399464 since two week tried for log in but could not success
so pl unlocked my a/c
my contact no is 9836392623

DEAR SIR,

KINDLY NOTE THAT I HAVE PAID FULL OUTSTANDING AMOUNT OF RS.9598.16 TO YOU ON 31ST MAY 2010.

I DO NOT WANT SBI CREDIT CARD AND THEREFORE REQUEST YOU TO PLEASE DELETE MY NAME FROM YOUR LIST.

KINDLY HELP.

E MAIL: sudipmitra@exide.co.in
Mobile: 9836043326

Regards

Sudip Kumar Mitra

Dear Sir

Ref. to the above kindly note that full outstanding of Rs.9598.16/- was paid to you vide cheque no.389068 dtd 31/5/10 of HDFC Bank, New Alipore Branch on 31st May 2010 which was acknoeledged by SMS to my mobile no. 9836043326.

I am requesting you to please send statement to me to e-mail: sudipmitra@exide.co.in immediately.

Sir, Kindly arrange to delete my name from your credit card list as I am not able to continue due to financial crises of mine.

Sir, please help me to forward full payment statement immediately to me.

I AM WAITING FOR YOUR KIND CO OPERATION.

Regards

sUDIP kUMAR mITRA
Date:7th June'10

Sudip Kumar Mitra

dear sir I m kaxmi narayan o3834] sahu request you to know my statement .

dear sir
kindly post my credit card hard copy at my home address

thanking you
sanjay avalaskar

dear sir,
I am N.K. Patidar my credit card No.0004317575114073571 as per your record you have paid Rs.5000
by cheque no.187011 dated 30/08/2005 to my HSBC Credit card no.4671912822384117 but it is not sanded
to HSBC credit card, so please reverse that amount with charges from my credit card account and finalised
remaining dues and please send me total account statements from 30/08/2005 to till date.


N.K.PATIDAR
163 ANNEXE VISHNUPURI
BHANWARKUA, INDORE
M.P. 45214
narendra.patidar@avivaindia.com

Dear Sir/Madam,
For the past 10days i am not able to log in to my account through online after getting link & it is automatically goes into error. Please send me reason why its happening like this & how to solve it to view my account further
thank you,
Ashok,
Chennai

Siyt.r i havepaiid installments regularly but my card is not renewal still two years pl.renewal my card as early as pos sible jagadishkumar 09246548435