I am using SBI card since 1998-99, everything was OK till November 2012, when the payment made well in time in the month of Decemeber 2012 in favour of SBI Card was first debited from my account and then credited.
I came to know about the nuisance in January when the statement with previous payment and interest and January statement came. From my account I found that the cheque was debited and then credited. I spoke to the customer service, things were in put in place after I re-paid the cheque for the December 2010 and January 2011.
Again in February same thing happened, I solved the problem verbally on phone and I think by April 2011 every thing was OK. In May I do not receive statement and in June I receive statement with severe interest. I tried to convence at customer service and sent the scanned copies to Mr. Puneet ( Manager, SBI card), he assured that everything will be in place, I contacted the custmer care at SBI branch University of Delhi and gave the copies of my passbook and corresponging statements. I was abroad in the month of August and came back in September. I used the card in October and went to customer care SBI Janpath with all the details Ms. Priyanka took the matter. She told us to make the Principal amount spent in the mont of October 2011 and assured every thing will be sorteded.

Finally, on January 7th statement with opening balance of Rs. 6322 ( interest only) showed reversal of Rs. 1972.48. and added Rs. 660.88 to total Rs. 5011.

I wrote several time that If any Principal ( I am not aware any) is pending I will pay, I will not pay the Interest as I am in touch with your customer service for more than a year and no told any pending Principal which I kept on asking inspite of my regular payments.

Kindly advice in the matter.

Regards,

Dr. PM Luthra