Paid my Credit card bills and still got the penalty

[Bravebear8166]

B

Bravebear8166
PARTICIPANT
April 11, 2025 at 6:02 pm

We received an SBI credit card bill of ₹4,000. On the due date, I made the payment, but due to an error, the amount was deducted from my account but didn’t reflect in the card’s app. Since it was the last date, I paid it again, assuming I would get a refund. However, the refund never came because the payment had already gone to the credit card. This means I mistakenly paid my bill twice. After that, I received a message stating that my bill wasn’t paid. Due to insufficient balance, the autopayment bounced, and I was charged a penalty. The penalty amount and the bill were deducted from my card. When I complained, they refunded the money I had paid twice but credited it to the bill again, meaning I ended up paying ₹8,000 instead of ₹4,000. Now they are asking me to pay ₹8,000 again.

Share

[Bravebear8166]

B

Bravebear8166
OP
April 11, 2025 at 6:06 pm

Please tell me what to do in this situtation i don’t want to pay the 8k bill and i have already talked to customer care thrice they didnt help

Share

[Renupanda26]

R

Renupanda26
PARTICIPANT
April 11, 2025 at 6:08 pm

In my case it happened with icici bank, I went to branch, explained situation that my payment had failed and RM told to not do double payment. So I wrote handwritten letter and called customer care. I did get penalty refunded but not the tax part (which was 60₹). So maybe try this

Share

[Bravebear8166]

B

Bravebear8166
OP
April 11, 2025 at 6:18 pm

Yea I’ll go to the bank tommorow,Thanks btw

Share

[Vikramknight647]

V

Vikramknight647
PARTICIPANT
April 12, 2025 at 3:13 am

SBI and SBI Cards are two different companies.
The people at the bank might not be able to help you with this.
But still, do visit the branch. They have the numbers of SBICARDS teams with them. So, you may get the numbers from them and call directly..

Share

[Bravebear8166]

B

Bravebear8166
OP
April 12, 2025 at 7:17 am

What about bank manager even he can’t help with this?

Share

[Alphathinker6039]

A

Alphathinker6039
PARTICIPANT
April 12, 2025 at 4:01 am

Bank Holiday today

Share

[Braveseeker242]

B

Braveseeker242
PARTICIPANT
April 11, 2025 at 6:18 pm

Post in r/CreditCardsIndia maybe someone can advise

Share

[Bravebear8166]

B

Bravebear8166
OP
April 12, 2025 at 1:25 am

Okayy

Share

[Megalion1462]

M

Megalion1462
PARTICIPANT
April 11, 2025 at 7:17 pm

Just call the customer care, they waive off all finance charges

Share

[Bravebear8166]

B

Bravebear8166
OP
April 12, 2025 at 2:17 am

I tried thrice they are not helping at all, SBI’s customer service is worst. after this issue gets resolved i’ll surrender the card i don’t want this shit

Share

[Vikramknight647]

V

Vikramknight647
PARTICIPANT
April 12, 2025 at 3:16 am

Also, make it a habit of paying all your outstanding dues well in 3-4 days advance..

Share

[Kajalowl438]

K

Kajalowl438
PARTICIPANT
April 12, 2025 at 5:02 am

Any extra payment should go into negative.

Share

[Silentninja2788]

S

Silentninja2788
PARTICIPANT
April 12, 2025 at 5:30 am

Also remember that as per RBI rules, there is a 3-day grace period after the due date, within which you can pay your dues without fine.

Share

[Superstar8277]

S

Superstar8277
PARTICIPANT
April 12, 2025 at 12:39 pm

But the fine is for insufficient funds in the auto-pay… although I’d say the system is shit because if the bill is paid it should not even try to auto-pay – it works this way with my HDFC Bank – HDFC Credit Card and IDFC Bank – IDFC Credit Card auto-pays. SBI hides behind “we’re different” companies but will constantly share data with each other to upsell shit.

Share

[Author]

Posts