Hi
I am writing this post to know what are the next steps forward for me
On 18th May 2022, my SBI Cards statement was generated of Rs.5965
On 18th May, I received multiple refunds, total amounting to Rs.2221
While checking their app, I saw that the total outstanding amount got reduced to Rs.3744 (= 5965 - 2221)
So I paid Rs.3744 and total outstanding was showing as Rs.0.
I did not take any screenshot but luckily I had checked their balance feature in WhatsApp on 27th May
Total Outstanding: 0
Unbilled Outstanding: 0
On 18th June I received the next statement and saw that they had included some interest charges
I called customer care and asked them about this charges. They said that refunds are not considered as bill payments.
I argued that if this was the case then total outstanding should not have been reduced and Unbilled Outstanding should have been Rs.-2221
I asked them to reverse the charges. They said its not possible as my card is less than 6 months old
Although I have paid the interest charges, I have a few questions.
1. Will this affect my CIBIL score?? (I think it should not as I paid more than the minimum amount due)
2. How can they charge interest when Total Outstanding shown is Rs.0
3. If this is not my fault then I want to fight this out, how should I go about it
Thanks
I am writing this post to know what are the next steps forward for me
On 18th May 2022, my SBI Cards statement was generated of Rs.5965

On 18th May, I received multiple refunds, total amounting to Rs.2221
While checking their app, I saw that the total outstanding amount got reduced to Rs.3744 (= 5965 - 2221)
So I paid Rs.3744 and total outstanding was showing as Rs.0.
I did not take any screenshot but luckily I had checked their balance feature in WhatsApp on 27th May

Total Outstanding: 0
Unbilled Outstanding: 0
On 18th June I received the next statement and saw that they had included some interest charges


I called customer care and asked them about this charges. They said that refunds are not considered as bill payments.
I argued that if this was the case then total outstanding should not have been reduced and Unbilled Outstanding should have been Rs.-2221
I asked them to reverse the charges. They said its not possible as my card is less than 6 months old
Although I have paid the interest charges, I have a few questions.
1. Will this affect my CIBIL score?? (I think it should not as I paid more than the minimum amount due)
2. How can they charge interest when Total Outstanding shown is Rs.0
3. If this is not my fault then I want to fight this out, how should I go about it
Thanks
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