CosmicCat
TF Ace
Hi fellow TFians!
On Saturday, 31st August 2024, I raised a service request for the closure of my IDFC FIRST Classic credit card as its limit was extremely low (Around ₹70,000) compared to my other cards and my annual income. I immediately received a confirmation that my card has been permanently blocked and in the app where it shows the card thumbnail, it was shown as "Requested for Closure."
On Tuesday, 3rd September, I received a call from someone from their Retention Team, who called me from her work mobile number instead of a landline (Was suspicious at first as it was being shown as spam on Truecaller). I explained her the reason of closure. She asked me to email them my ITR (As I'm self-employed) to banker@idfcfirstbank.com, and said that if they upgrade the limit to at least ₹1.5L, they can upgrade it to Select.
She also mentioned that she would reactivate my card, and the Service Request for the card closure would remain open for the next few days until the email team gives final response about limit enhancement. So I shared my ITR-V (The Acknowledgement Receipt of my ITR-3) to their email the same day.
However, the next day, on 4th September, in the morning, I received an SMS mentioning my card closure request has been cancelled because of "pending dues!" I was stunned, because I hadn't used this card for a while, and even the app was showing the Outstanding Balance as zero.
Also, after few hours, I received a reply to my card enhancement and upgrade request email, which said that they don't accept ITR-V. They asked me for the "Computation of Income" instead, and said that it should be below 4MB only! I thought they were referring to the ITR form itself, but it is over 50 MB in size. So how could I share it?
Then I asked their PNO helpline numbera about the incorrect closure of service request and false commitment. He first confirmed they closed it mistakenly as there were indeed no dues pending, and about enhancement, he said that the computation is provided by a CA.
I was dumbstuck. An ITR acknowledgement is accepted by everyone, and it is a valid authority, so why they rejected it?
Yesterday, 4th September, I also emailed their RNO team later in the evening about the incorrect cancellation of the service request, and provided them my final consent that I want to close this card, whose reply I am still awaiting.
So, in case the RNO raises a fresh service request for closure, what's my next course of action? As I originally raised the closure service request on 31st August (which is now cancelled as mentioned before), and the 8th working day is, 11th September, so if they close it after 11th September, should I ask for compensation of ₹500/day?
On Saturday, 31st August 2024, I raised a service request for the closure of my IDFC FIRST Classic credit card as its limit was extremely low (Around ₹70,000) compared to my other cards and my annual income. I immediately received a confirmation that my card has been permanently blocked and in the app where it shows the card thumbnail, it was shown as "Requested for Closure."
On Tuesday, 3rd September, I received a call from someone from their Retention Team, who called me from her work mobile number instead of a landline (Was suspicious at first as it was being shown as spam on Truecaller). I explained her the reason of closure. She asked me to email them my ITR (As I'm self-employed) to banker@idfcfirstbank.com, and said that if they upgrade the limit to at least ₹1.5L, they can upgrade it to Select.
She also mentioned that she would reactivate my card, and the Service Request for the card closure would remain open for the next few days until the email team gives final response about limit enhancement. So I shared my ITR-V (The Acknowledgement Receipt of my ITR-3) to their email the same day.
However, the next day, on 4th September, in the morning, I received an SMS mentioning my card closure request has been cancelled because of "pending dues!" I was stunned, because I hadn't used this card for a while, and even the app was showing the Outstanding Balance as zero.
Also, after few hours, I received a reply to my card enhancement and upgrade request email, which said that they don't accept ITR-V. They asked me for the "Computation of Income" instead, and said that it should be below 4MB only! I thought they were referring to the ITR form itself, but it is over 50 MB in size. So how could I share it?
Then I asked their PNO helpline numbera about the incorrect closure of service request and false commitment. He first confirmed they closed it mistakenly as there were indeed no dues pending, and about enhancement, he said that the computation is provided by a CA.
I was dumbstuck. An ITR acknowledgement is accepted by everyone, and it is a valid authority, so why they rejected it?
Yesterday, 4th September, I also emailed their RNO team later in the evening about the incorrect cancellation of the service request, and provided them my final consent that I want to close this card, whose reply I am still awaiting.
So, in case the RNO raises a fresh service request for closure, what's my next course of action? As I originally raised the closure service request on 31st August (which is now cancelled as mentioned before), and the 8th working day is, 11th September, so if they close it after 11th September, should I ask for compensation of ₹500/day?
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