Ares
TF Buzz
Let me explain the situation for everyone to understand.
So I applied for a SC CC - Platinum Rewards Primary on 28th May 2024. They had a stall in my office offering LTF credit card (I think there were some condition of spending to make it LTF). I applied for the card and did the video KYC at the same time in front of them. Also got the application successful email.
Later after coming home I changed my mind and decided not to go ahead with this credit card. I knew about the RBI guidelines about how a card company cannot charge us anything if we don't activate the card within 30 days of issuance.
I declined the delivery of the card and did not reply to or clicked "I Agree" any activation mails received by SC.
I did not get any statement emails from them since then so I thought the card was not activated and I am good but just last week I got a statement in which there is a due of Rs. 295 with last date on 3rd October 2024.
I have emailed their customer care (at customer.care@sc.com) on 15th September stating that I received the statement for a closed card but have not received any reply from them yet.
Can anyone tell me what should I do? Will I have to pay the bill to close the card? I am thinking that if I pay the bill then they can say that I done a "transaction" on this card and mark it as active. Should I raise the concern on RBI Ombudsman now? Any help would be appreciated. Thanks!!
So I applied for a SC CC - Platinum Rewards Primary on 28th May 2024. They had a stall in my office offering LTF credit card (I think there were some condition of spending to make it LTF). I applied for the card and did the video KYC at the same time in front of them. Also got the application successful email.
Later after coming home I changed my mind and decided not to go ahead with this credit card. I knew about the RBI guidelines about how a card company cannot charge us anything if we don't activate the card within 30 days of issuance.
I declined the delivery of the card and did not reply to or clicked "I Agree" any activation mails received by SC.
I did not get any statement emails from them since then so I thought the card was not activated and I am good but just last week I got a statement in which there is a due of Rs. 295 with last date on 3rd October 2024.
I have emailed their customer care (at customer.care@sc.com) on 15th September stating that I received the statement for a closed card but have not received any reply from them yet.
Can anyone tell me what should I do? Will I have to pay the bill to close the card? I am thinking that if I pay the bill then they can say that I done a "transaction" on this card and mark it as active. Should I raise the concern on RBI Ombudsman now? Any help would be appreciated. Thanks!!
