How to contact rbl customer care on quora?
To contact RBL Bank customer care on Quora, you can follow these steps:
- Search for RBL Bank: Go to Quora and use the search bar to look for “RBL Bank” or “RBL Bank customer care.”
- Check Official Pages: Look for official profiles or spaces related to RBL Bank. These may contain answers to frequently asked questions or direct links to customer service.
- Post a Question: If you don’t find the information you need, you can post a question related to RBL Bank customer service. Make sure to tag it appropriately so that community members or bank representatives can see it.
- Follow Up: If you receive answers or comments, engage with them for further clarification.
- How to contact rbl customer care on quora?
For specific customer service inquiries, it may be more efficient to reach out directly through RBL Bank’s official website or customer service numbers, as they may not respond promptly on Quora.
How to contact rbl customer care on quora?
The minimum due payment is generally 5% of the total amount, or at least Rs 100. If you are experiencing hardship and are unable to even pay the minimum amount, you can call your bank and try to negotiate a reduction. However, reduction is not guaranteed and depends on your credit standing with the bank.
Paying anything less than the total due amount incurs significant interest, which applies even if you pay the minimum due. Failure to pay the minimum due amount also results in a penalty. Additionally, GST is applicable on both interest and penalties.
Another option is to have the outstanding balance converted to an EMI or personal loan. This typically carries a lower interest rate compared to the rolling interest on credit cards, which can reach up to 48% annually or 4% monthly compounded.
The recovery department always prefers receiving some payment rather than resorting to legal action for recovery. Therefore, negotiate with them regarding a payment schedule and adhere to it. You will get through this challenging period.
How do I change an RBL credit card billing cycle?
An RBL credit card billing cycle refers to a particular period. A period that begins with the moment you activate your credit card. The period can be between 28-32 days. A statement with all the necessary details is generated at the end of this period by RBL Bank. You get all these details through RBL Credit Card BillDesk.
There may be a potential cash flow problem if all your bills are due on or around the same date. Changing your credit card billing cycle can be useful to solve this problem. RBL bank provides the convenience of changing credit card deadlines to their customers. The process is easy and customer friendly. Calculate your monthly expenses and cash flow before jumping into the process.
Go through the following steps to change your RBL Credit Card billing cycle:
Make a call on the number given on your credit card. The customer care executive will ask for your preferred due date, and your due date will be changed.
Select a date that can be helpful with your finances. It could be better to pay credit card bills on the 1st and 15th days. This will help you align your paydays with the due dates.
Calculate the amount you tend to pay each month on your bills. Transfer the due date to a time when you have to pay the least amount of your bills. It could be helpful.
How can I pay my credit card bill with an RBL credit card?
RBL credit card users can choose from eight payment options to clear outstanding bills. These are listed below –
- You can opt for NEFT to make a credit card payment.
- If your account supports net banking facilities, you can use the same to clear bills as well.
- With the NACH facility, you can link your savings account with the credit card. Doing so saves you the hassle of initiating credit card payments every time.
- Consumers can utilize bill desk for payments as well through other accounts.
- The concerned financial institution also offers a specialized mobile application, dubbed RBL MyCard. Through this app, card users can monitor credit card statements and pay bills as well.
- One can use cheques to clear the dues as well.
- Those looking to pay in cash can visit their nearest branch of the concerned financial institution to clear their bills.
- The newest supported payment mode is through Paytm. If you use the Paytm application, you can use the same to pay the outstanding credit card debt for RBL credit cards. Thus, it is the fastest and most convenient payment method.
- How to contact rbl customer care on quora?
You can choose your preferred mode from this list of options. Online payment facility has significantly reduced the hassle of these payments.
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What is the RBL Bank credit card customer care’s 24×7 toll-free number?
According to the web search results, the RBL Bank credit card customer care’s 24×7 toll-free number is 1800 121 9050
You can also contact +91 22 6232 7777 or send an e-mail to cardservices@rblbank.com for regular queries on RBL credit cards.
For RBL SuperCard holders, the customer care number is +91 22 7119 0900 and the e-mail address is supercardservice@rblbank.com.
How can you check your RBL credit card limit?
The limit on your RBL Bank credit is the maximum balance that is available for you. A recent copy of your RBL Credit Card billing statement will include your credit limit, current credit card balance, and your available credit. If you’ve made any payments or purchases since your last billing statement was mailed, the available credit on your statement won’t be current.
A higher credit limit will be given to you if your credit score is high, and you have maintained the score over a long period of time. The bank will not give you a higher credit limit for your credit card if you have a poor credit score or if have defaulted on your payments.
How do I cancel my RBL credit card?
RBL Bank credit cardholders can cancel their cards by requesting it online. An Email can be sent to supercardservice@rblbank.com for super cards or cardservices@rblbank.com for other cards. Include necessary details such as name, date of birth, card number, and expiry date.
To cancel your RBL (Ratnakar Bank Limited) credit card, follow these steps:
- Clear Outstanding Dues: Ensure that all outstanding balances and dues on your credit card are cleared. This may include any pending payments or fees.
- Contact Customer Service: Call RBL Bank’s customer service at their helpline number. You can find the number on the back of your credit card or on the official RBL Bank website.
- Visit the Nearest Branch: Alternatively, you can visit a nearby RBL Bank branch to request the cancellation in person. Bring your credit card and any identification documents.
- Submit a Written Request: If required, submit a written request for cancellation. Include your credit card number, personal details, and a statement expressing your desire to cancel the card.
- Confirm Cancellation: After your request is processed, ask for confirmation of the cancellation. This may come in the form of a confirmation email or a letter.
- Destroy the Card: Once you receive confirmation, securely destroy your credit card to prevent any unauthorized use.
- How to contact rbl customer care on quora?
It’s a good idea to check your credit report a few months later to ensure the card is marked as canceled. How to contact rbl customer care on quora?
What is the min deposit amount for RBL Credit card against FD?
Credit Cards against Fixed Deposits
To get a credit card, customers need to earn a minimum amount of salary annually and also have a decent credit score. This makes it difficult for people with low or no credit score and low salaries to get a credit card. Customers with low/no credit score and salary can now easily get a secured credit card.
A secured credit card is given by banks against fixed deposit. ICICI, SBI, Axis, etc., are some of the banks that offer credit cards against fixed deposit in India. When customers apply for such cards, all the other factors that lead to the approval of a card becomes insignificant because card providers are given a collateral security. This security ensures them that they will get the money they provide as credit back. The credit limit of the customers in this case is decided based on the amount of fixed deposit they have.
Some other factors that affect the issuance of such cards are:
Debt-to-income ratio.
Repayment capacity.
Funds in the fixed deposit.
Credit Cards against Fixed Deposit are best for:
People with low credit score or no credit history.
People who do not meet the income criteria.
People who have just started earning.
People who live in an area that the lender has blacklisted.
People who are employed by organizations that are blacklisted by the lender or have a bad reputation.
Features of Credit Cards against Fixed Deposit:
Minimum Amount – You should have a minimum of Rs.20,000 in your fixed deposit.
Credit Limit – Your credit limit will be decided based on the amount of money you have in your fixed deposit account. Generally banks offer 80% to 85% of the deposit amount as credit limit.
Minimum Documentation – To apply for this type of card, you do not need to submit a lot of documents.
Minimum Tenure – The minimum tenure of the fixed deposit that you are giving as security to the bank should be 6 months.
Interest Free Period – Generally, banks offer an interest free period of 48 days to 55 days on such cards.
Rewards – These cards offer multiple rewards such as reward points, cashback, etc., to the customers.
Interest on Fixed Deposit – Cardholders will continue earning interest on their fixed deposit.
How to Avail a Credit Card against Fixed Deposit?
The process of getting a credit card against fixed deposit is very simple. To avail such card, you have to first open a fixed deposit account with the bank, which offers this type of card. Most banks require you to have at least Rs.20,000 in your fixed deposit account to apply for this card. If you already have a fixed deposit account with the bank with the required funds, you do not have to open another one. The bank in that case will accept the existing FD as security.
Once the fixed deposit account is opened, you have to simple apply for the card and get your application approved by the bank.
Impact of Secured Credit Card on Fixed Deposit:
When you take a secured credit card against fixed deposit (FD), it won’t affect your FD and you will keep earning interest on it. The rate of interest that you earn will be the same that your bank had set when you had opened your FD account.
The impact of the credit card will be seen at the time of bill payment. In case of you default on your card payment, then the bank will adjust the outstanding amount against your FD account. So, if you want to not hurt your investment, you will have to make sure that you always pay your credit card bills on time.
People who opt for a credit card against fixed deposit primarily to build their credit score will face a problem if they default on their repayment. In such a case, not only will their FD be affected, but it will also have a negative impact on their credit score.
Apart from this, in case of financial emergencies, you do not have to pre-close your FD account immediately, instead you can use your secured credit card to make the payment. As banks offer sufficient time in the form of interest free credit period to cardholders, they get time to repay the bills.
Banks Offering Credit Card against Fixed Deposit:
Some of the banks that offer credit card against fixed deposits in India are:
ICICI Bank.
State Bank of India.
Axis Bank.
Kotak Mahindra Bank.
Central Bank of India.
Bank of Baroda.
ICICI Bank Coral Credit Card Against Fixed Deposit:
ICICI Bank Coral Credit card Against Fixed Deposit is offered to customers without any income related documents.
Benefits:
2X rewards on groceries, dining and at supermarkets.
Buy 1 get 1 free movie ticket during the week.
15% savings on dining at more than 800 restaurants.
Free access to airport lounges.
50% special discount on the Joining Fee.
SBI Advantage Plus Card:
Advantage Plus Credit Card is issued against fixed deposits by the State Bank of India. The maximum cash withdrawal limit on this card is 100% of the credit limit.
Benefits:
Attractive rate of interest available at 2.25% per month.
Avail add-on cards for family members.
Convert payments into EMI using Flexipay.
Withdraw cash from more than 1 million ATMs around the world.
Interest is accrued on the funds available in the fixed deposit account.
Easy and convenient loan sanctions are also made available to the borrower by the Bank.
Axis Bank Insta Easy Credit Card:
Axis Bank Insta Easy Credit Card is issued by the bank against fixed deposits. The credit limit on this card is up to 80% of the FD amount.
Benefits:
Maximum cash withdrawal limit is 100% of the credit limit available.
Maximum interest free credit period available is 50 days.
Enjoy fuel surcharge waiver of 2.5% on all fuel transactions.
The bank assures approval on the credit card application.
Avail 6 eDGE loyalty reward points on every Rs.200 spent locally and 12 eDGE points on every Rs.200 spent abroad. Get 100 points on your first online transaction.
Central Bank of India Aspire Credit Card:
Aspire Credit Card is issued against fixed deposits by Central Bank of India. The credit limit available on the card will be 80% of the fixed deposit amount. Interest charged per month on this credit card is 1.20%.
Benefits:
Personal accident coverage of Rs.1 Lakh is offered in the event of death to people who opt for the Group Insurance Scheme.
Rewards are offered on using the card for dining, travelling, movies, and so on.
This credit card can be used for international and domestic transactions.
This card offers interest free credit period of 55 days.
Kotak Mahindra Bank Aqua Gold Card:
Aqua Gold Credit Card is issued against fixed deposits by Kotak Mahindra Bank. The minimum deposit that is to be made in the fixed deposit account is Rs.25,000 and cardholders can avail a credit limit of up to 80% of the fixed deposit amount.
Benefits:
Maximum cash withdrawal limit is up to 90% of the credit limit available.
Fuel surcharge waiver of maximum Rs.3,500 can be availed in a year.
Enjoy Rs.500 worth of railway surcharge waiver.
Rs.50,000 worth insurance coverage against fraudulent transactions is provided in case your credit card is stolen.
Avail add-on cards for your family members.
Bank of Baroda Assure Credit Card:
Bank of Baroda Assure Credit Card is an international Visa card that is offered against fixed deposit. The credit limit on this is card is 80% of the fixed deposit amount.
Benefits:
Avail 3 free add-on cards.
Avail free Personal Accident Death Coverage with this card. Get Rs.15,00,000 worth Air Accident Death coverage and Rs.5,00,000 worth coverage in case of death caused due to other kinds of accidents.
Earn 1 Loyalty points on every Rs.100.
Spend Rs.50,000 or more annually and regularly pay your bills to enjoy annual fee waiver for the year.
SOURCE: BANK BAZAAR How to contact rbl customer care on quora?
I have a RBL bank credit card. I have some recurring transactions which I don’t remember about.
When I ask the bank they don’t give me any information about the transaction neither do they cancel the transaction. What should I do?
Why do you need to remember the transactions? You are supposed to get a SMS and email for every credit card transaction. You are also supposed to get a monthly statement of all your transactions.
So, it looks as if you lack some basic knowledge of using a credit card properly. Either make yourself knowledgeable or cancel your credit card after paying all the dues.
I hope this information helps you. 😊
How to contact rbl customer care on quora?