Renewed CC Undelivered & Shredded - Closure of Card

[warden]

Hi Guys
I hold two BOB Cards - Select and HPCL Energie. The HPCL Energie was expired in October, and they sent a new/renewal card by Indiapost, which was undelivered - marked as insufficient address. I could not pick it up manually at the post office as well. Tried emailing them and there was no response.

Now it's been more than 2 months that the card is undelivered. BOB just replied recently that they shredded the card as it was not activated within 30 days as per regulatory reasons.
I was already frustrated with the BOB services and wanted to close the cc, and was unable close it on email 2-3 years back as they did not respond back.

What happens in this scenario - is the card closed permanently and would it show in credit breaures like cibil/experian as closed in few days as they claim the card is shredded and so on?

 

[Vasuki]

Didn't you asked for another replacement

 

[Omk@r]

Ye aaj kal ka sabse bada problem ho rha h bhai mere shath bhi huaa tha ICICI or sbi cc ke shath fir maine usko nearest branch pe delivery karaya
Ye delivery partner ki manmani h bank aapni baat manega hi nhi hamesa delivery partner jo update h use hi consider karega.

 

[Mr. Bean]

What happens in this scenario - is the card closed permanently and would it show in credit breaures like cibil/experian as closed in few days as they claim the card is shredded and so on?

Yes. The card is permanently closed and will show as closed in credit breaures like cibil/experian after a few months.

 

[warden]

Didn't you asked for another replacement

Asked, and shared details also, but they did not send. It's been more than 2 months now. Was fed up so sent email asking for update and they said I never replied with details lol. No longer interested to hold that card now.

Yes. The card is permanently closed and will show as closed in credit breaures like cibil/experian after a few months.

Thats great to hear. Thank you so much @Mr. Bean sir 🙏