• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Joining Fee Charged Without Credit Card Activation - Query & Discussion

Apply For Lifetime Free IDFC First Credit Card
Sort by date Sort by votes
dungeonMaster said:
Finally major win 💪🏻
Click to expand...
Congrats! If you want you can still file a case for misrepresentation. As long as you haven't activated the card, you're not a customer. No customer >no service >no due.
It's clear that they were trying to mislead you. Though it's not worth the hassle.

Both axis and icici generated my 1st bill around 50days after activation, and indusind can't even wait 15 days. Haha
 
Upvote 0 Downvote
I recently applied for IDFC power plus credit card and they have charged me joining fee without activation of the card. I have not even set the pin but now big problem is bill got generated.
What should I do now ?
Should I pay the bill ?
 
Upvote 0 Downvote
ankitfintech said:
My point is banks can do anything they want, and they do such shady things all the time.. the question is whether its right or wrong..
Click to expand...

The problem is people apply for CCs withour reading the terms n conditions (printed or starred or online or offline) and press accept button/tick box them. They give all authorizations.

If not interested in the CC, why apply ? Why do the VKYC ? And, recieve the card ?

And, when the bank charges, why backout from the contract ? This contract is binding on both parties.

By backing out of it - for no fault on the part of the bank - how do you expect RBI to support you ?

Sounds too illogical, to say the least.

Sorry to say so, but you need to know this.
 
Upvote 0 Downvote
I am expecting here solution or suggestion if anyone has. If not then do not give unnecessary phaltu gyan. In my case card is not delivered and they have charged me joining fee without activation of the card. I have not even set the pin but now big problem is bill got generated.
Bank terms and conditions are never above RBI.
 
Upvote 0 Downvote
supermohit said:
I recently applied for IDFC power plus credit card and they have charged me joining fee without activation of the card. I have not even set the pin but now big problem is bill got generated.
What should I do now ?
Should I pay the bill ?
Click to expand...
Joining fees will be reversed. If the card is not activated within 30 days, the card will be automatically closed as per RBI guidelines.
 
Upvote 0 Downvote
supermohit said:
I am expecting here solution or suggestion if anyone has. If not then do not give unnecessary phaltu gyan. In my case card is not delivered and they have charged me joining fee without activation of the card. I have not even set the pin but now big problem is bill got generated.
Bank terms and conditions are never above RBI.
Click to expand...
Call customer care to ask for fee reversal or closing the card or email idfc regarding this. One of my friends got a fee reversal after paying the fees as the bill was generated.
 
Upvote 0 Downvote
lxmxl said:
J

just got to know about this card because of this post. With it's high fees, what is the benefit, I didn't understand. Is it the welcome vouchers?
Click to expand...
Six things.
One - Relatively easy to get.
Two - Welcome vouchers
Three - LTF
Four - International Lounge benefit
Five - Zero balance Exclusive SB
Six - C2C is possible n suggested.
 
Upvote 0 Downvote
supermohit said:
I am expecting here solution or suggestion if anyone has. If not then do not give unnecessary phaltu gyan. In my case card is not delivered and they have charged me joining fee without activation of the card. I have not even set the pin but now big problem is bill got generated.
Bank terms and conditions are never above RBI.
Click to expand...
Any progress? What happened to your joining fee?
 
Upvote 0 Downvote
I wouldn’t say that I am in a similar situation, but I might be in the future. 🤣 😅

I applied for the Pinnacle credit card for my mother 3 days ago, and the card has been approved and dispatched.
The displayed joining fee was ₹5,000
After reading multiple posts related to this card’s fee, I sent an email to them seeking clarification on the JF and the ₹50,000 spend requirement for a fee waiver.
I've applied this through their website not from an agent
I've yet to receive a reply, but I will update once I do.

However, I feel that I might be in a similar situation soon.
 
Apply For LTF HDFC Swiggy Credit Card
Upvote 0 Downvote
Fini7777 said:
I wouldn’t say that I am in a similar situation, but I might be in the future. 🤣 😅

I applied for the Pinnacle credit card for my mother 3 days ago, and the card has been approved and dispatched.
The displayed joining fee was ₹5,000
After reading multiple posts related to this card’s fee, I sent an email to them seeking clarification on the JF and the ₹50,000 spend requirement for a fee waiver.
I've applied this through their website not from an agent
I've yet to receive a reply, but I will update once I do.

However, I feel that I might be in a similar situation soon.
Click to expand...
I did that and they replied spend 50k we'll reverse the charges. Nothing like this was shown to mom while applying.
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

noobdipesh
  • Question Question
Joining Fee Charged and Credit Card Reported to CIBIL Before Activation: Violation of RBI Guidelines?
2
Replies
39
Views
1K
TheTrickySid
TheTrickySid
Back
Top