best credit card in india

 ntro

RISHABH: Banks often make their customers a fool.

Credit card, account, and many other services

give lifetime free to the customer

and then quietly deduct the money.

Many times we don't even know when the money is deducted.

And suppose we get to know

if you file a complaint in the bank

then nothing happens to that complaint.

And most of the people give up in such a situation.

Something similar happened with a subscriber of LLA, Manav.

If it was someone else, he would have given up.

But Manav's head got stuck.

Listen to the whole story, it will be fun.

And if something like this ever happens to you,

then what to do?

You will get the complete blueprint of it with proof.

But before listening to the story,

I would like your one minute.

Most of us think about Tax

when the office is asking for an investment declaration

or the deadline to pay the return is on the head.

In that particular case, you are already very late

because then tax planning cannot be done.

Tax planning starts with the beginning of the financial year.

What do you have to do?

You have to optimize your salary, your allowances

so that you can maximize the exemption.

You have to do all the investments

from which you can claim the maximum deduction.

You have to do that advance tax or compliances

which later gives you a penalty.

And after the end of the year,

if you go to your CA,

then he will not be able to do any of these things

because at that time he can only file your return.

So the bigger question is that

how will an ordinary employee like us get all this knowledge?

Well, the perfect solution is LLA's Hax to Save Tax.

This course is for all the employees of this country.

It simplifies their tax and helps in planning.

Plus, if they want to file their return themselves,

then you will get the complete tutorial of it in this course.

So far, more than 7,000 employees have saved their taxes from this course.

And the pricing is so low that in the first year,

you will get its multifold return.

So do check out Hax to Save Tax.

Link in the pinned comment.

Let's go to the story.

[intro music]

What happened with Manav?

So in this case, our protagonist and LLA's subscriber is Manav.

A sales call comes to Manav.

MANAV: Hello.

Hello Sir, I am calling from Yes Bank.

[music]

You are our old customer.

You are eligible for our wellness credit card.

We have sent you a brochure on WhatsApp.

Go and check it out.

[---/---]

MANAV: The Benefit is good.

But what about the charges of Rs.1500?

Yes Sir, there are charges.

But we will make it lifetime free for you.

You just fill out the form and let me know.

[---/---]

MANAV: Done.

RISHABH: Manav applied for the card.

Within a few days, the card came home.

But this happened after a month of using the card.

MANAV: Hello.

Hello Sir, Yes Bank.

MANAV: Yes, this is my credit card number 9211.

I was told that there will be no charges.

But I have deducted Rs.1500.

See, I would like to tell you.

This card is chargeable.

And its charge is Rs.1499 plus GST.

Which has been deducted from your account.

MANAV: You are not understanding. There were charges.

but because I was an old customer,

I was promised that I will get a lifetime free credit card, this wellness one.

Sir, I am sorry for the trouble.

But as I can see,

In your record,

Charges are Rs.1499 plus GST.

If you still have a problem,

You can complain on customer care.

Right now, I can't do anything regarding this.

MANAV: How come you don't know anything

When your people have promised me this?

RISHABH: After this, Manav complained to the customer care of the bank.

Manav told on customer care complaint

That this card was sold to him as lifetime free.

And now the charge has been deducted from it.

The customer care people said that

The resolution of this will come on their mail.

But for a week,

Manav didn't get any further phone calls.

No question was asked on the mail.

And after a week, the mail comes

That your ticket, your case has been closed.

There was no sales error.

Manav was shocked.

This time, Manav again filed a complaint on customer care of the bank.

And with the complaint, he was told that

He has all the WhatsApp proof, call recording, everything is available.

The bank again registered Manav's complaint.

This time, Manav gets a call from the same salesperson

Who had sent Manav the card earlier.

And he was emotionally blackmailing Manav.

He said that I am a very poor man.

I made a mistake.

The bank will put a penalty on me.

Now please withdraw the complaint.

But Manav said no.

I have been cheated.

I will go ahead in this case.

And by saying this, he disconnected the phone.

And again, there was no call or mail from the bank.

And finally, after a week, the bank again replies

That you agreed to pay the charges.

That's why this complaint is being closed again.

Obviously, Manav did not say to pay any charges.

After this two-week struggle,

Once Manav gave up.

How Manav won the case?

He thought 1800 was gone no problem, why bother

then Manav talks to his cousin.

Who tells him about RBI Ombudsman.

And the funny thing is

The exact same case happened with Manav's cousin.

Including emotional blackmail of salesperson.

So what is this RBI Ombudsman?

If a bank or NBFC does not resolve your complaint properly

does not pay attention to it

then its further complaint

You can go to this website of RBI

you can do it with Ombudsman.

And RBI takes strict action on it.

So Manav also went to this portal.

And filed his complaint.

And along with that, in PDF format

he attached all conversations, WhatsApp chat-proof.

4 days after doing this,

directly, the bank manager calls Manav.

MANAV: Hello.

Sir, you got angry.

You filed a complaint in RBI.

Let's do one thing.

Either, I will make your card free for a year

or I will take the full refund

and close your card.

Tell me what to do?

MANAV: I don't want to close the card.

I don't even want a year's free.

I want a lifetime free.

Which your employee has promised me.

Sir, you are not understanding.

We can't make the card lifetime free.

RISHABH: After this call, for the next few days.

Manav kept getting calls from different people from the bank.

Who kept telling him to choose one option out of the two.

Because his RBI complaint was still active

and the bank has this mandate

that every complaint has to be resolved in a limited time

and for this resolution, the customer also needs acceptance.

So being worried about all this

Manav called on the RBI helpline number

MANAV: Hello, RBI helpdesk!

These Yes Bank people are troubling me a lot

because I have made a complaint against them.

Which is ongoing now.

They want me to take back the complaint

or agree to their terms.

But why should I do this?

When it is their fault and I have complained about the right thing.

Sir, the case is still going on

don't answer them too much

and if they trouble you too much

then you block them.

RISHABH: And after 2-3 days

something happened which was completely unexpected.

A message comes from the bank

mail comes in which it is written,

sir, we apologize for the inconvenience

we are also refunding your charges

and your card has been upgraded to lifetime free.

Manav wrote to me in his mail

this was the most happiest moment of my life.

Like I have won a war.

And after reading this line.

I literally got goosebumps.

And that moment I decided

that this thing should reach all of you too.

So to avoid such misselling,

I will tell you a 3-point strategy.

No. 1

whenever a bank salesperson

Strategies to save yourself

gives you a lifetime free or lucrative offer

And if that offer is not given to you in writing

or is not mentioned on the brochure.

So in that particular case,

you tell him

That he mail to you in the written from the official mail ID from their bank

For example,

the credit card I am giving you

it will remain lifetime free.

No charges will be charged.

Even after this

before availing of any services

for which no charges were to be charged

review your bank statement at least for a month.

And if you see any bank charges,

which is suspicious

or whose reason you are not understanding.

Then from the customer care of the bank

do find out the reason for that.

No. 2.

Record all conversations with unknown numbers.

After reading this mail

I have also turned on the default call recording on my phone.

Yes, it comes before the call

your call is being recorded.

But that is okay.

This is a small price we pay

to protect our money.

And the third point,

even after complaining to the bank

if nothing is happening

then you definitely have to complain to the RBI.

Yes, you cannot directly complain to the RBI

first, you have to complain to the bank

and if a proper resolution is not found there

then all those conversations

and with the proof of the mail

by making a PDF

When you complain to the Ombudsman on RBI's website

all these documents will be uploaded there.

And definitely within a few days after the complaint

your case will be resolved.

So the public now has to become aware(Jagruk)

and before going

do check out

Hax to Save Tax.

By LLA.

Link in the pinned comment.