Kotak Messed Up Billing Cycle Change Request & Levied Unnecessary Charges

[dhiraz]

Mere Pass Kotak Ka League Platinum Credit Card Hai Jiski Limit 25k Hai Aur Iska Statement Har Mahine 15th Ko Generate Hota Tha To 15th Ko Bill Generate Ho Gya Aur Due Date 03 May Huaa Aur Total Outstanding Balance 24,850 Jo Ki Mujhe 03 May Tak Pay Karna Tha





Phir Maine Apne Convenience Ke Hisab Se Apne Sabhi Credit Card Ko Manage Karne Ke Liye Billing Cycle Change Karne Ki Sochi Aur Maine Customer Care Ko 16 April Ko Call Lagaya Aur 28th of Every Month Ko Bill Generation Ki Request Di Lakin Mam Ne Bola Ki Kotak Credit Card Mai Aap Sirf 5 10 15 25 Dates Hi Select Kar Sakte Ho To Maine Kaha Ok Aap 25th of Every Month Ko Bill Generation Proceed Kar Dijiye To Customer Care Wali Mam Ne Request Le Li Aur Proceed Kar Diaa



Everything Normal

Lakin Aaj Subah Mere Pass 26th April 09:01 AM Ko Message Aaya

Dear Customer, The outstanding balance on your Kotak Bank Credit Card xxxx3032 has exceeded the credit limit, and the applicable fee is charged. T&C apply.

Uske Baad Maine NetBanking Login Karke Dekha To Wahan Pe Charges Ki To Aandhi Aayi Huyi Hai



Charges Dekh Ke Mera Dimaag Kharab Ho Gya Uske Baad Kotak Ke Customer Care Ko Call Lagaya Aur Sari Kahani Batayi Ki Maine Billing Cycle Change Karaya Tha Charges Nahi Maage The To Unhone Kaha Ki Jab Aapne Billing Cycle Change Karane Ki Request Di Thi Tab Customer Care Executive Ne Aapse Kaha Nahi Ki Aap Apna Billed Amount Pay Kar Dijiye Ya Kisi Charges Ke Baare Mai Nahi Bataya Aapko To Maine Kaha Aisa To Unhone Kuch Nahi Bataya.

Uske Baad Call Senior Ko Transfer Kiaa Gya Wahan Unhone Bola Ki Hum Is Cheej Ko Investigate Karege Aur Us Call Recording Ko Sunege Jisme Aapke Dwara Billing Cycle Ko Change Karne Ki Request Di Gayi Thi Aur Agar Customer Care Executive Ki Galti Huyi Aur Unhone Aapko In Sab Charges Ke Baare Mai Nahi Bataya To Aapke Sare Charges Reverser Kar Diye Jayege

Everything Normal Ok


Aur Abhi Jab Mai Ye Thread Likh Raha Tha Tabhi Likhte Likhte Kotak Ki Taraf Se Call Bhi Aa Gya Ki

Sir Humne Aapke Dwara Ki Gayi Complaint Ko Investigate Kia Aur Call Recording Sunne Ke Baad Hume Ye Pata Chala Ki Customer Care Executive Ke Error Ke Wajah Se Ye Sare Charges Lag Gaye Hain Aur Hum Abhi In Sabhi Charges Ko On Call Reverse Kar Rahe Hain Lakin Sir GST Reverse Nahi Hoga Lakin Uske Liye GST Reversal Ki Bhi Liye Request Raise Ki Hai Joki Sirf Upar Se Approval Basis Pe Reverse Hoga

GST Mujhe GST Wala Amount Bhi Chaiye Vo Kya Ped Par Lagta Hai

 

[yolofino]

First of all, please write in English so that everyone in the forum can understand and understand it quickly even when they know the Hindi language as reading Hindi on the Latin script takes time.

 

[MOhit __]

Mere Pass Kotak Ka League Platinum Credit Card Hai Jiski Limit 25k Hai Aur Iska Statement Har Mahine 15th Ko Generate Hota Tha To 15th Ko Bill Generate Ho Gya Aur Due Date 03 May Huaa Aur Total Outstanding Balance 24,850 Jo Ki Mujhe 03 May Tak Pay Karna Tha


View attachment 15244


Phir Maine Apne Convenience Ke Hisab Se Apne Sabhi Credit Card Ko Manage Karne Ke Liye Billing Cycle Change Karne Ki Sochi Aur Maine Customer Care Ko 16 April Ko Call Lagaya Aur 28th of Every Month Ko Bill Generation Ki Request Di Lakin Mam Ne Bola Ki Kotak Credit Card Mai Aap Sirf 5 10 15 25 Dates Hi Select Kar Sakte Ho To Maine Kaha Ok Aap 25th of Every Month Ko Bill Generation Proceed Kar Dijiye To Customer Care Wali Mam Ne Request Le Li Aur Proceed Kar Diaa

View attachment 15245View attachment 15246

Everything Normal

Lakin Aaj Subah Mere Pass 26th April 09:01 AM Ko Message Aaya

Dear Customer, The outstanding balance on your Kotak Bank Credit Card xxxx3032 has exceeded the credit limit, and the applicable fee is charged. T&C apply.

Uske Baad Maine NetBanking Login Karke Dekha To Wahan Pe Charges Ki To Aandhi Aayi Huyi Hai

View attachment 15241

Charges Dekh Ke Mera Dimaag Kharab Ho Gya Uske Baad Kotak Ke Customer Care Ko Call Lagaya Aur Sari Kahani Batayi Ki Maine Billing Cycle Change Karaya Tha Charges Nahi Maage The To Unhone Kaha Ki Jab Aapne Billing Cycle Change Karane Ki Request Di Thi Tab Customer Care Executive Ne Aapse Kaha Nahi Ki Aap Apna Billed Amount Pay Kar Dijiye Ya Kisi Charges Ke Baare Mai Nahi Bataya Aapko To Maine Kaha Aisa To Unhone Kuch Nahi Bataya.

Uske Baad Call Senior Ko Transfer Kiaa Gya Wahan Unhone Bola Ki Hum Is Cheej Ko Investigate Karege Aur Us Call Recording Ko Sunege Jisme Aapke Dwara Billing Cycle Ko Change Karne Ki Request Di Gayi Thi Aur Agar Customer Care Executive Ki Galti Huyi Aur Unhone Aapko In Sab Charges Ke Baare Mai Nahi Bataya To Aapke Sare Charges Reverser Kar Diye Jayege

Everything Normal Ok


Aur Abhi Jab Mai Ye Thread Likh Raha Tha Tabhi Likhte Likhte Kotak Ki Taraf Se Call Bhi Aa Gya Ki

Sir Humne Aapke Dwara Ki Gayi Complaint Ko Investigate Kia Aur Call Recording Sunne Ke Baad Hume Ye Pata Chala Ki Customer Care Executive Ke Error Ke Wajah Se Ye Sare Charges Lag Gaye Hain Aur Hum Abhi In Sabhi Charges Ko On Call Reverse Kar Rahe Hain Lakin Sir GST Reverse Nahi Hoga Lakin Uske Liye GST Reversal Ki Bhi Liye Request Raise Ki Hai Joki Sirf Upar Se Approval Basis Pe Reverse Hoga

GST Mujhe GST Wala Amount Bhi Chaiye Vo Kya Ped Par Lagta Hai

View attachment 15248

25th of every month billing date change ho gai, isliye charges lag gaye....tumhe outstanding 3 may tak pay karne ke bad hi request dalni chahiye thi statement date change ki

 

[dhiraz]

25th of every month billing date change ho gai, isliye charges lag gaye....tumhe outstanding 3 may tak pay karne ke bad hi request dalni chahiye thi statement date change ki

All Charges Reversed

Waiting for GST Reversal

 

[VISHESH_BANSAL]

25th of every month billing date change ho gai, isliye charges lag gaye....tumhe outstanding 3 may tak pay karne ke bad hi request dalni chahiye thi statement date change ki

normally billing date change will get effective from next month

Kotak made it effective in same month.
And Such important fact should be disclosed by the executive who took the request

Before raising such request always confirm whether Billing date change, will get effective from same month i.e, before due date of current bill or next month

 

[akshayhs]

normally billing date change will get effective from next month

Kotak made it effective in same month.
And Such important fact should be disclosed by the executive who took the request

Before raising such request always confirm whether Billing date change, will get effective from same month i.e, before due date of current bill or next month

Also, they make sure the dues are cleared first before accepting a request for changing the billing cycle. They did at least in my case. Wondering how they modified the billing cycle even before dues are cleared.

 

[romilq]

normally billing date change will get effective from next month

Kotak made it effective in same month.
And Such important fact should be disclosed by the executive who took the request

Before raising such request always confirm whether Billing date change, will get effective from same month i.e, before due date of current bill or next month

The Kotak guy messed up here. I requested the billing cycle change and they asked me to clear the outstanding amount which I had already cleared earlier that day. They asked me to wait 1-2 days for the amount to be settled before requesting billing cycle change.

 

[saucy]

TL, DR; Kotak bank is actually Lotak bank. It messed up, and the poor guy paid GST charges for the messup.

 

[ltf4ever]

TL, DR; Kotak bank is actually Lotak bank. It messed up, and the poor guy paid GST charges for the messup.

to be honest, i would have taken the bank's side in this case, as i would never imagine that the due date would be extended for an ALREADY GENERATED statement. because that would mean getting more than 50 days interest free period.
but good that OP followed up and got the charges reversed (even the GST!).

amex had told my friend that the call recording file got corrupted when he had asked for checking it about a dispute.

 

[saucy]

Or they could've just created policy that billing cycle can be changed only when all dues are paid. No chik Chik no jhik jhik🐊

to be honest, i would have taken the bank's side in this case, as i would never imagine that the due date would be extended for an ALREADY GENERATED statement. because that would mean getting more than 50 days interest free period.
but good that OP followed up and got the charges reversed (even the GST!).

amex had told my friend that the call recording file got corrupted when he had asked for checking it about a dispute.

 

[romilq]

Or they could've just created policy that billing cycle can be changed only when all dues are paid. No chik Chik no jhik jhik🐊

The policy is already there. The customer care guy messed up here. Was probably a new hire or didn't pay attention in training.

 

[VISHESH_BANSAL]

to be honest, i would have taken the bank's side in this case, as i would never imagine that the due date would be extended for an ALREADY GENERATED statement. because that would mean getting more than 50 days interest free period.
but good that OP followed up and got the charges reversed (even the GST!).

But due date is 3rd of next month.
Charges deducted on 25th.
He is not aware that Kotak will suddenly generate a new bill as kotak executive never explained him about this.
Otherwise he will definitely settle the bill before 25th of the same month.

Even if bill date change Becomes effective from next month, the due date of current bill will remain same i.e, 3rd.

In no way we can take benifit of more than 50 days period by changing bill date.


I think ICICI is an exception to this.
Last year , My bill date is 15th and I called on 10th to change the bill date to 28th.

Now at that time bill was generated on 28th of the next month instead of the same month, so technically I am able to avail more than 50 days Credit Period.

I did this on Apay Card twice and successfully availed more than 50 days Credit Period each time, because at that time I geninuely want some extra days to pay off the complete bill.

So may be some customers used this technique to get More than 50 days Credit Period without doing any manufactured Spends and CC to Bank.
Hence Banks now ask, to clear current outstanding first then we will take request of bill date change.

 

[dhiraz]

But due date is 3rd of next month.
Charges deducted on 25th.
He is not aware that Kotak will suddenly generate a new bill as kotak executive never explained him about this.
Otherwise he will definitely settle the bill before 25th of the same month.

Even if bill date change Becomes effective from next month, the due date of current bill will remain same i.e, 3rd.

In no way we can take benifit of more than 50 days period by changing bill date.


I think ICICI is an exception to this.
Last year , My bill date is 15th and I called on 10th to change the bill date to 28th.

Now at that time bill was generated on 28th of the next month instead of the same month, so technically I am able to avail more than 50 days Credit Period.

I did this on Apay Card twice and successfully availed more than 50 days Credit Period each time, because at that time I geninuely want some extra days to pay off the complete bill.

So may be some customers used this technique to get More than 50 days Credit Period without doing any manufactured Spends and CC to Bank.
Hence Banks now ask, to clear current outstanding first then we will take request of bill date change.

You Are Right

I Also Changed The Billing Date On My ICICI HPCL & APay Card Both Cards Bill Generating On 20th When I Raise Request For Billing Cycle Changed To 28th

Bill Not Generated on 20th Will Generate on 28th April

 

[ltf4ever]

But due date is 3rd of next month.
Charges deducted on 25th.
He is not aware that Kotak will suddenly generate a new bill as kotak executive never explained him about this.
Otherwise he will definitely settle the bill before 25th of the same month.

Even if bill date change Becomes effective from next month, the due date of current bill will remain same i.e, 3rd.

In no way we can take benifit of more than 50 days period by changing bill date.


I think ICICI is an exception to this.
Last year , My bill date is 15th and I called on 10th to change the bill date to 28th.

Now at that time bill was generated on 28th of the next month instead of the same month, so technically I am able to avail more than 50 days Credit Period.

I did this on Apay Card twice and successfully availed more than 50 days Credit Period each time, because at that time I geninuely want some extra days to pay off the complete bill.

So may be some customers used this technique to get More than 50 days Credit Period without doing any manufactured Spends and CC to Bank.
Hence Banks now ask, to clear current outstanding first then we will take request of bill date change.

oh i see.

 

[mail2jampa]

I didnt get what is his problem.
But what I understanded is his bill got generated on 15th and asked on date 16th to change bill date to 25th.
But why charges got attracted to him , that one plz any one explain.
Because so many of us want to change billing cycle date.

I want to know why he got charges applied. When he has due upto 3rd of next month.
Or even bill generated again on 26th same month he will have more days.

I am not getting that thing understand. Kindly please anyone help me to understand why charge attracted him???

 

[mail2jampa]

But due date is 3rd of next month.
Charges deducted on 25th.
He is not aware that Kotak will suddenly generate a new bill as kotak executive never explained him about this.
Otherwise he will definitely settle the bill before 25th of the same month.

Even if bill date change Becomes effective from next month, the due date of current bill will remain same i.e, 3rd.

In no way we can take benifit of more than 50 days period by changing bill date.


I think ICICI is an exception to this.
Last year , My bill date is 15th and I called on 10th to change the bill date to 28th.

Now at that time bill was generated on 28th of the next month instead of the same month, so technically I am able to avail more than 50 days Credit Period.

I did this on Apay Card twice and successfully availed more than 50 days Credit Period each time, because at that time I geninuely want some extra days to pay off the complete bill.

So may be some customers used this technique to get More than 50 days Credit Period without doing any manufactured Spends and CC to Bank.
Hence Banks now ask, to clear current outstanding first then we will take request of bill date change.

Bhai I didnt understand why he got charges attracted. Can you explain me. I also want to change the same billing cycle date in kotak.
Scared of now after seeing this.
And I Didnt understand.

Please kindly tell why bank gave him charhes when he has time until next month 3rd to pay bills

 

[mail2jampa]

But due date is 3rd of next month.
Charges deducted on 25th.
He is not aware that Kotak will suddenly generate a new bill as kotak executive never explained him about this.
Otherwise he will definitely settle the bill before 25th of the same month.

Even if bill date change Becomes effective from next month, the due date of current bill will remain same i.e, 3rd.

In no way we can take benifit of more than 50 days period by changing bill date.


I think ICICI is an exception to this.
Last year , My bill date is 15th and I called on 10th to change the bill date to 28th.

Now at that time bill was generated on 28th of the next month instead of the same month, so technically I am able to avail more than 50 days Credit Period.

I did this on Apay Card twice and successfully availed more than 50 days Credit Period each time, because at that time I geninuely want some extra days to pay off the complete bill.

So may be some customers used this technique to get More than 50 days Credit Period without doing any manufactured Spends and CC to Bank.
Hence Banks now ask, to clear current outstanding first then we will take request of bill date change.

I didnt get what is his problem.
But what I understanded is his bill got generated on 15th and asked on date 16th to change bill date to 25th.
But why charges got attracted to him , that one plz any one explain.
Because so many of us want to change billing cycle date.

I want to know why he got charges applied. When he has due upto 3rd of next month.
Or even bill generated again on 26th same month he will have more days.

I am not getting that thing understand. Kindly please anyone help me to understand why charge attracted him???

 

[MOhit __]

I didnt get what is his problem.
But what I understanded is his bill got generated on 15th and asked on date 16th to change bill date to 25th.
But why charges got attracted to him , that one plz any one explain.
Because so many of us want to change billing cycle date.

I want to know why he got charges applied. When he has due upto 3rd of next month.
Or even bill generated again on 26th same month he will have more days.

I am not getting that thing understand. Kindly please anyone help me to understand why charge attracted him???

On the 16th April, this guy requested that his billing date be changed to the 25th of every month, and the kotak guy accepted his request.

So the statement date was 25 March, and he had to pay it before the 11th or 12th of April as per the system, but the amount was unpaid, so a new statement was generated on the 25th April mentioning late payment charges.

This guy should have requested a billing date change after April 27th.

 

[mail2jampa]

On the 16th April, this guy requested that his billing date be changed to the 25th of every month, and the kotak guy accepted his request.

So the statement date was 25 March, and he had to pay it before the 11th or 12th of April as per the system, but the amount was unpaid, so a new statement was generated on the 25th April mentioning late payment charges.

This guy should have requested a billing date change after April 27th.

On the 16th April, this guy requested that his billing date be changed to the 25th of every month, and the kotak guy accepted his request.

So the statement date was 25 March, and he had to pay it before the 11th or 12th of April as per the system, but the amount was unpaid, so a new statement was generated on the 25th April mentioning late payment charges.

This guy should have requested a billing date change after April 27th.

Bhai tq i undertanded what you said.
But next bill should be generated for him on 25th april na
Why 25th March it genereted and counted from there???

So what I should Do now when my bill date every month is 5th , but i want evrry month 20th bill date. To aviod these charges

 

[MOhit __]

Bhai tq i undertanded what you said.
But next bill should be generated for him on 25th april na
Why 25th March it genereted and counted from there???

So what I should Do now when my bill date every month is 5th , but i want evrry month 20th bill date. To aviod these charges

Please read previous comments, the customer service rep made a mistake.

Once your statement is generated, clear your outstanding amount within a week, then call customer service to change the billing date and do not use that card until the new billing date is set.