Credit card
3 years ago
I have no knowledge about ATM withdrawal charges with credit card and not mention in received kit. But bank charged me. I want to case on bank. Please tell me this case applicable.
A.1) Which Bank Credit card did you Apply?
2) What is the credit limit?
3) How much did you withdraw CASH & ON WHICH date?
4) The CREDIT CARD cash withdrawal attracts Finance Charges, Interest Charges, GST & other charges.
5) The moment you have applied OR used the CREDIT CARD for CASH withdrawal you have readily agreed for their charges at the time of APPLYING FOR AN CREDIT CARD, So you CANNOT deny THE FACT THAT IT WAS NOT KNOWN TO YOU. NOT knowing the Banking Charges while you are availing the Credit Facility from a bank is not Normal. Rather you should be privileged that the BANK has offered you CREDIT CARD facility.
6) Kindly make the FULL CREDIT CARD PAYEMNT without any further delay, as you may lose the CREDIT facility. Also the Charges BILLED are given to all customers, & NOT alone to you. Please remember ONLY SHOPING is INTEREST FREE from the DATE of Billing Cycle.
7) Now EVEN if you are thinking of Settlement then too your name will be there in CIBIL –NEGATIVE, You will NOT get any kind of Personal loans in future
8) Rather I suggest you maintain a good track record of regular payments & get more facilities from Bank, You be a privileged Customer
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ADV. ANISH P (High Court)
2) What is the credit limit?
3) How much did you withdraw CASH & ON WHICH date?
4) The CREDIT CARD cash withdrawal attracts Finance Charges, Interest Charges, GST & other charges.
5) The moment you have applied OR used the CREDIT CARD for CASH withdrawal you have readily agreed for their charges at the time of APPLYING FOR AN CREDIT CARD, So you CANNOT deny THE FACT THAT IT WAS NOT KNOWN TO YOU. NOT knowing the Banking Charges while you are availing the Credit Facility from a bank is not Normal. Rather you should be privileged that the BANK has offered you CREDIT CARD facility.
6) Kindly make the FULL CREDIT CARD PAYEMNT without any further delay, as you may lose the CREDIT facility. Also the Charges BILLED are given to all customers, & NOT alone to you. Please remember ONLY SHOPING is INTEREST FREE from the DATE of Billing Cycle.
7) Now EVEN if you are thinking of Settlement then too your name will be there in CIBIL –NEGATIVE, You will NOT get any kind of Personal loans in future
8) Rather I suggest you maintain a good track record of regular payments & get more facilities from Bank, You be a privileged Customer
If you realize my professional skills, the time & efforts put in by me needs to be truly appreciated, and then Please “CLICK MY LIKES/ THUMBS UP/GIFT” button shown below this reply format & also CLICK/ WRITE a “REVIEW” in 5 star as I have answered your query in detail. Do show me the entire set of documents & I shall be able to guide you more into this matter.
Your query is answered in detail; also you can call me back for the same.
We can help you in getting done the same & Complete Legal Documentation works.
Hope this information is useful
ADV. ANISH P (High Court)
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Ayantika Mondal @ Prime Legal
Responded 3 years ago
A.If no charges was communicated in any medium including SMS, emails, etc you may file a complaint for unfair trade practices
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A.It is universally know fact the bank may contend. If you are so strong you fight by filing PIL before High Court and if succeed then it will be a boon to every citizen of India. The bankers are day robbers as they are robbing the citizens in the name of hidden charges. Who shall bell the cat. Try for your innovative public scheme and teach them.
Please give me Rank 5 if you feel my answer helped you.
Please give me Rank 5 if you feel my answer helped you.
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Suneel Moudgil
Responded 3 years ago
A.#you should have known about the charges before making the cash transaction from the Credit card, however, FYI charges are imposed on such transaction,
#no case is made out, however, if you still want, you can file a complaint to the banking ombudsman,
#no case is made out, however, if you still want, you can file a complaint to the banking ombudsman,
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Meenakshi Garg
Responded 3 years ago
A.Dear client,
You can file a recovery suit against the bank for the charges which are charged by them without informing you.
You can file a recovery suit against the bank for the charges which are charged by them without informing you.
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