For those who are unaware of what SBI is, it stands for ‘State Bank of India’ one of the largest banks in India. I have been using SBI’s credit Card for a while now and was pretty happy with purchases* but when it came to payments it was always pain in the neck.
The bank does not accept cash for payment even if you care enough to walk-in to the bank. will take checks, but the bank employees do not know where the hell is the Check Drop Box, you got to call the call center for it. I usually pay it online through banks awfully maintained horribly slow website. When I got to the bank site from my bookmarks today morning, the page was not there. So, I Google around and found that the last part of the website address has changed and behold I see that the site has been given a face-lift(only to find out later that they forgot to include the brain).
So, to quickly(LoL) finish of my payment I enter my credentials and hit sign-in, it was throwing up website unavailable or some error. So, me knowing(from experience) that these government websites are tested only on Internet Explorer, I move on to Internet explorer as I use Mozilla. I opened the site in Internet Explorer, punch in the credentials and hit sign in, Nothing….. zilch….. no response. My colleague sitting beside me told me that its been down from a week or so.
So, as a last resort I called up the call center to check on whats happening, read carefully, it’s going to be real funny from here on …
As soon as I punched in the bank telephone, it took me to its IVR [I have been associated with various banks from past 7 years and no matter when you call, the first lines in the IVR will be, many of our options have been changed to serve you better, listen to all the options completely before making a choice - MY FOOT ] and after selecting the appropriate options to talk to Customer Service representative and punching in my card number, I got the message “Your approximate wait time is 15 seconds” I was shocked by the approximation and whats even more shocking was after few seconds, I got a message “Your estimated hold time now is 9 seconds” I was like, if I really get a person in 9 seconds I would faint.
Keeping up to my expectations, I did not get any person in next 9 seconds or in next 10 minutes. Instead I was getting a message “All our customer service representatives are busy talking other customers, However for faster assistance you may choose to call between 8 am and 7 pm” - Isn’t that message supposed to come when I call in after the regular support timings? And I was calling at 3 PM in the afternoon dammit! The lines which came after the above one irritated me more and more ““We apologize for keeping you on hold, we are eager to speak to you” - seriously? eager? What are you guys so eager about when talking to your customers?
After 10 minutes of hearing the above crap, I got a lady and I explained my helplessness to her. She said I can pay to the Credit Card even without logging into the site and directed me in doing so. I was happy and she transferred me to the survey about the call and hung up. Poor me not knowing whats in store I gave good ratings for her quick help and set out to try her instructions. I have my Credit card details and all the other information required and at the point where I choose my bank account from which I am going to pay, I was not seeing my bank in the whole list of other banks. I shuffled between the browsers cleared cache / cookies and still in the drop down I could not see my bank – the largest private bank in India.
So, I call the bank support again, I get another lady I again explained my helplessness, she said she can see my bank in the drop down menu from her side, I explained her that I tried couple of browsers and few trouble shooting and now she blurts out ” I am sorry sir, there is some problem with that one particular bank and it will take few days to fix it” so initially she did not even bother to check weather it working or not. Now with the apologetic tone she said I have the no other option except go to the bank and pay or drop in a check. As the due date is tomorrow , I asked one of my friend to visit the bank and pay cash, and behold then we came to know that bank does not accept cash for payment or the bank employees do not know where the hell is the Check Drop Box.
So, my friend contacted one of his friend who had a bank account with a bank which was displayed in the drop down menu and had the payment done.
So much for it and I am on the verge of canceling the Card.














