Axis Vistara Card Closed Axis Vistara Credit Card is still showing active in CIBIL

[rakesh3929]

My wife had an Axis Vistara credit card which was lost in the month of April 2023. The last statement generated was on April 2023 and the amount was NIL. She had an excess amount of Rs.0.99 in her credit card. We blocked the card but it is still showing active under CIBIL. We contacted Axis customer care and wrote to PNO for which the PNO replied about card not zeroised. I have attached the reply obtained from PNO. Kindly suggest me what to do and how to solve this.

 

[bing1309]

That's correct, if your loan account is in excess credit how can they close in cibil. Forget cibil how can axis bank close the credit card account permanently when there was excess credit. This is a good case in RBI ombudsman.

 

[rakesh3929]

That's correct, if your loan account is in excess credit how can they close in cibil. Forget cibil how can axis bank close the credit card account permanently when there was excess credit. This is a good case in RBI ombudsmado you suggest me to do? To complain?

Are you suggesting me to make a RBIO complaint? If i may ask, what's my complaint should be?

@sjmajumder Requesting your valuable input too.

 

[sjmajumder]

Are you suggesting me to make a RBIO complaint? If i may ask, what's my complaint should be?

@sjmajumder Requesting your valuable input too.

As per my knowledge, Axis is right. Share your bank account details with cancelled cheque and ask them to transfer the credit balance and then close it in CIBIL.

 

[rakesh3929]

As per my knowledge, Axis is right. Share your bank account details with cancelled cheque and ask them to transfer the credit balance and then close it in CIBIL.

I did the same. She doesn't have any bank account with Axis hence shared HDFC bank statement via email and made a request to transfer the credit for which I received this reply. Attaching the flow of conversation for your understanding.

 

[coolguy1]

Any amount in excess, with you or the bank left over on a credit card cannot be disappeared or the bank can be sued for incorrect information.

Escalate to Axis support asking them for the refund of that amount, make it zero and then it can be closed.

 

[ankit_tf]

That's correct, if your loan account is in excess credit how can they close in cibil. Forget cibil how can axis bank close the credit card account permanently when there was excess credit. This is a good case in RBI ombudsman.

this is not true. I closed my axis card in august with 1Rs balance. I still get the message to provide them bank details to get it settled, but the card shows up as closed in cibil. there must have been some glitch they are not able to identify / don't want to disclose, so giving that excuse.

 

[DarthBrooks]

Similar thing happened with my Axis Ace last year, but after few emails and a complaint in CIBIL it was taken off after roughly 5-6 months of card closure.

 

[ankit_tf]

My wife had an Axis Vistara credit card which was lost in the month of April 2023. The last statement generated was on April 2023 and the amount was NIL. She had an excess amount of Rs.0.99 in her credit card. We blocked the card but it is still showing active under CIBIL. We contacted Axis customer care and wrote to PNO for which the PNO replied about card not zeroised. I have attached the reply obtained from PNO. Kindly suggest me what to do and how to solve this.

Generally, blocking a card does not mean Closing it. The language here is little ambiguous.

What I understand from their email is that the card was "blocked" but not "closed", they somehow don't have your address (how is that even possible), because of which they couldn't replace the card. The card account seems active even if there is no card associated with it.

 

[sjmajumder]

I did the same.

No. You did not share cancelled cheque.

 

[rakesh3929]

No. You did not share cancelled cheque.

My wife doesn't have one. Let me know how can we go ahead?

 

[rakesh3929]

Generally, blocking a card does not mean Closing it. The language here is little ambiguous.

What I understand from their email is that the card was "blocked" but not "closed", they somehow don't have your address (how is that even possible), because of which they couldn't replace the card. The card account seems active even if there is no card associated with it.

What should be my next steps?

 

[rakesh3929]

Similar thing happened with my Axis Ace last year, but after few emails and a complaint in CIBIL it was taken off after roughly 5-6 months of card closure.

May I know your entire flow of emails and complaints that helped resolve your case? It might help me.

 

[rakesh3929]

Any amount in excess, with you or the bank left over on a credit card cannot be disappeared or the bank can be sued for incorrect information.

Escalate to Axis support asking them for the refund of that amount, make it zero and then it can be closed.

Okay I shall do that. I will write to PNO once again and update here. Thanks.

 

[ankit_tf]

What should be my next steps?

Ask them to "close" the card (and card account), if they tell you it's already closed, then ask them to confirm on email that "this card is closed and should reflect the same in cibil", and then you can escalate it to grievance and ombudsman, if it's not closed, which I suspect, then it should be easy.

 

[Trump]

As per my knowledge, Axis is right. Share your bank account details with cancelled cheque and ask them to transfer the credit balance and then close it in CIBIL.

alright but i had a similar case, no axis bank a/c and an excess of Rs. 5 as a cashback on my flipkart Axis Card, but it was marked as closed because i specifically asked them (email to pno immediately) to provide me a definite timeline to close the corresponding card account in my cibil. shortly it was closed.

 

[rakesh3929]

Ask them to "close" the card (and card account), if they tell you it's already closed, then ask them to confirm on email that "this card is closed and should reflect the same in cibil", and then you can escalate it to grievance and ombudsman, if it's not closed, which I suspect, then it should be easy.

Okay I shall do it and ask them to confirm on email. Even I feel, they will say, the card account cannot be closed as they have excess amount on it. My wife shared the bank statement for the excess amount to be transferred (as my wife doesn't have a cheque book), the PNO replied about card not zeroised.

Can you point me towards the grievance addressal email for Axis?

 

[rakesh3929]

alright but i had a similar case, no axis bank a/c and an excess of Rs. 5 as a cashback on my flipkart Axis Card, but it was marked as closed because i specifically asked them (email to pno immediately) to provide me a definite timeline to close the corresponding card account in my cibil. shortly it was closed.

How did they transfer that excess Rs.5 credit back to you?

 

[DarthBrooks]

May I know your entire flow of emails and complaints that helped resolve your case? It might help me.

Sure, let me go through my inbox and I will share the details.

 

[sjmajumder]

alright but i had a similar case, no axis bank a/c and an excess of Rs. 5 as a cashback on my flipkart Axis Card, but it was marked as closed because i specifically asked them (email to pno immediately) to provide me a definite timeline to close the corresponding card account in my cibil. shortly it was closed.

They can't do that unless you explicitly wrote off the Rs. 5 (that also I am not sure if they can do or not). You can actually sue them if they did that without explicit written authorization from you.