In Sept Citibank sent me a 'lifetime free credit card'. Since I was already using ICICI credit card without any problem, I never felt the need to use my Citibank credit card and it was just lying around in my house.
Till, one day in early I got Rs. 1500/- worth westside gift voucher from Citibank and a letter telling me that it would be charged on my credit card! Why? What?! I called up Citibank immediately and told them that I have not ordered this and told them to take it back. They told me that I've to courier it back to them and they are not responsible for any loss in courier. On hearing that, I told them to close my credit card since I anyway have no use for it and take back the westside coupon they have forcefully sent to me and charged me for. Repeated calls to them were of no avail.
After a month, they send me the bill with 1500 charged. I called them up again 'n repeated the same thing. They started saying that to close the card, I need to pay 1500. Why?! Now, after one year, they have leaved some huge interest rate on this amount and I get monthly calls informing me to pay the bill and I need to repeat this entire story on the phone to which their irritating customer care ppl. Keep repeating "yes madam, we understand madam, but U have to pay the basic amount to close the card, madam". What the *!! I did not ask for some stupid coupon and I am not paying for something that Citibank has thrust on me.
I have an amazing credit history with other banks and I really fail to understand why Citibank is going all the way to spoil customer experience! If Citibank had been my first ever credit card, I would dread to use any credit card for life.
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