Card closure before activation

[abhi₹hek]

I applied for au Bank altura + credit card, it was assured to be lifetime free but when i received the card in welcome kit it was mentioned as chargeable card.

Now i don't want to activate a charged card and wish to close before activation .how can I do it ?

Are there any new rbi guidelines regarding it

 

[RupayMan]

How did u apply? Via Swipe up or direct mode?

 

[ltf4ever]

I applied for au Bank altura + credit card, it was assured to be lifetime free but when i received the card in welcome kit it was mentioned as chargeable card.

Now i don't want to activate a charged card and wish to close before activation .how can I do it ?

Are there any new rbi guidelines regarding it

you may first try to contact customer care to request them to make it ltf, and show them any proofs that you have which made you think it is free.

if they don't do it, then you can request for card closure over the same email.

 

[RupayMan]

you may first try to contact customer care to request them to make it ltf, and show them any proofs that you have which made you think it is free.

if they don't do it, then you can request for card closure over the same email.

Card closure doesn't require a mail, it will get closed after 30 days automatically, my AU card also closed like that due to fee issue. AU is a rookie in CC segment.

 

[abhi₹hek]

Card closure doesn't require a mail, it will get closed after 30 days automatically, my AU card also closed like that due to fee issue. AU is a rookie in CC segment.

Are there any charges if it gets automatically closed after 30 days ?

 

[abhi₹hek]

Swipe up

How did u apply? Via Swipe up or direct mode?

 

[4uziaul]

Are there any charges if it gets automatically closed after 30 days ?

There aren't any charges.

 

[Adwait]

I applied for au Bank altura + credit card, it was assured to be lifetime free but when i received the card in welcome kit it was mentioned as chargeable card.

Now i don't want to activate a charged card and wish to close before activation .how can I do it ?

Are there any new rbi guidelines regarding it

Upgrade it to LIT Card which will be LTF.

 

[4uziaul]

Upgrade it to LIT Card which will be LTF.

You mean downgrade, it's their entry level card.

 

[Adwait]

You mean downgrade, it's their entry level card.

still better than altura+.

 

[4uziaul]

still better than altura+.

💯 Any day

 

[abhi₹hek]

Update :
After several e-mails got some reply

we would request you to kindly spend INR 25,000/- before 24th Aug 2023 using your AU credit card and contact us post that to raise your request for converting the credit card into lifetime free.

should I activate or let it get closed, i really have trust issues with this bank now ?

 

[4uziaul]

Update :
After several e-mails got some reply

we would request you to kindly spend INR 25,000/- before 24th Aug 2023 using your AU credit card and contact us post that to raise your request for converting the credit card into lifetime free.

should I activate or let it get closed, i really have trust issues with this bank now ?

If you really want the card, then keep it or else don't activate it. Plus you have got a written confirmation from bank, they can't deny in the future.

 

[COSMOCRAT]

Update :
After several e-mails got some reply

we would request you to kindly spend INR 25,000/- before 24th Aug 2023 using your AU credit card and contact us post that to raise your request for converting the credit card into lifetime free.

should I activate or let it get closed, i really have trust issues with this bank now ?

Pretty sure it's a bait. Fees get charged only if you activate the card.
Someone missold my father a BOB card, I didn't activate it and the card got auto-closed in 45 days.

 

[4uziaul]

Pretty sure it's a bait. Fees get charged only if you activate the card.
Someone missold my father a BOB card, I didn't activate it and the card got auto-closed in 45 days.

Yes, it could be a bait, and there's no way I am suggesting to OP that he should activate the card. However, if the bank has provided confirmation via email that after he spends 25k, it will be converted to a LTF card, the bank is unlikely to lie and risk damaging their reputation.

 

[COSMOCRAT]

Yes, it could be a bait, and there's no way I am suggesting to OP that he should activate the card. However, if the bank has provided confirmation via email that after he spends 25k, it will be converted to a LTF card, the bank is unlikely to lie and risk damaging their reputation.

Yeah. Thats true.

 

[sadhunath]

There are no guarantees in the email.. they will 'consider' his request.

 

[RupayMan]

In the welcome letter itself they mentioned that spending criteria to waive off joining fee only. Not the annual fee, my Vetta also printed the same with 40k spend. I didn't join their bait program and card closed.

 

[pradeepG]

do u have any screenshots taken while applying from swipeup?? what was the fee written there?? cc exec at social media team are Dumb as Fk... aint know anything..

a few days back i had to ask something which they replied to ask your query on email on xyz@aubank.in (if i had to write an email then whats the purpose of social media and why should i ask on social media)

 

[binno]

Does generating pin and enabling card usage .. makes the card activates ?