Axis Bank Credit Card Closure: Fill & Download for Free

Axis BankOne of the worst banks in fleecing their customers. No Wonder their name kept popping up during demonetization in backdoor exchange of currency. I took two housing loans from Axis Bank , the one I am talking here is I took in 2012. I was regularly paying my installments and almost 30% of principle also i paid besides the regular reduction of principle by way of EMIs.Last year I was in need of some money so approached them that if they could lend me back some money at least that much as I paid extra . They refused saying on new house they give 85% loan and on old house they give only 65%.So far so good.. Their bank, they have the right to refuse…so I started talking to other banks for balance transfer and top up..Here comes the ordeal….i approached their goregaon home loan branch and met one of their managers and requested for LOD( list of documents-the original papers of the property bank keeps). In very fluent english, in air-conditioned office, with a smiling face the manger says Sir it will take 15 working days..I was zapped ..Why the fuck 15 working days to provide me just the list of documents you have kept…this is already in the system, written on the agreememt , we just need the same on your letterhead…he was adamant - No sir, 15 days means 15 days..I asked why 15 days…it's not that you are actually going to take my property documents out from your locker and then will give me the list of documents.any ways perplexed, frustrated and boiling I tried to find some facebook page, twitter etc of any axis senior but couldn't find which I could use to convey my anger and apathy to axis seniors.Anyways…i kept waiting waiting and one day I get a call that the LOD has reached branch please come and collect..I went and told the same manager that just to collect LOD I have taken two leaves, one while I applied and second to collect it.. thought this should be my last interaction with them and I will never ever deal with axis Bank in my life.. But god had some more torture left for me at the hands of axis bank.I did all the formalities with other bank and got money sanctioned from them to foreclose the loan with axis and asked axis bank to foreclose my account.Again axis started the same thing that foreclose will take another 15 working days after depositing the full outstanding and in the meantime your one extra EMI will be processed thru the regular bank which will be refunded after 15 days.Also, any amount which goes more than the outstanding, will not be refunded. I was shocked as in the name of 15 working - days 15 working days, they forced me to pull my loan for almost two months longer than required... Deducted extra EMI which they returned after 15 days... I don't know how much extra they took in the name of foreclosing…I was soooooo frustrated that my voice automatically used to rise the moment I was talking to someone from axis...Story doesn't end here only, after all this torture they sent me my No dues certificate by mail and can you believe, in the password protected file was a blank page.. No mention of my no dues... Nothing... Plain blank attachement. Again I searched for Shikha Sharma email ID or some contact method but is not there... Also for contacting them they have just two Call Centre type numbers like1800…..everytime you call someone new person will come on line and you keep repeating your agony, they will just utter sorry but will not do anything to bring you out of this frustrating ordeal.Since I am still stuck with them till I get clearance of loans letter…I don't want to use abusive words but deep inside I really hate this bank and it's people.Guys I really wish to meet this lady Shikha Sharna, MD of axis and shout at her face about the mafia company she is running in the name of Axis BankEdit 1…many people have said that we should sue them or take them to consumer court but if you look at practical side when you are so badly harassed the first thing comes in mind is that you want to get rid of these people asap…taking them to court will further complicate and in probability delay the things…best way is to makes others aware about these practices…hit them where it hurts.. That is.. We should hurt their businesses as much as we can…hence this post.. Request you guys to share these bad experience with axis as much as possible with your friends and dissuade them to use axis services.2 someone asked about the consumer court…its almost impossible to fight with big corporates in court with the money power, resources and time they have at their disposal…i once fought with a credit card company.. Trust me I regretted fighting with them even though I won after 7 years battle.. They have dedicated teams for this while you have to continuously put your resources, time and effort on stake.. On top of it they will prove that we have agreed for all these while signing the loan agreement…almost everything is mentioned in their agreement which we sign while taking even a small mobile sim .. although it's written in 3 point size fonts in every form which is nearly impossible to read and comprehend3. Copied from comments section.Mr Kushagra Khanna writesI swear to God just one hour back I called Axis bank employee for demand draft for my account balance, which was freezed by the bank, reason being third party address verification failed, to which address verification was done eight months back while I opened the new account.For last five days he his processing my DD.First it was coming from Mumbai head office that's why it takes time (I'm in Delhi).Now he told me, my application for closure was rejected but I can collect the DD tomorrow.Let me get my DD then guess who is getting an email including Shikha Sharma and the regional manager.Lies, deceit and more lies. Please people avoid Axis bank.Mr. KhannaNothing happens even if you write to shikha sharma..I sent a mail to her yesterday I.e on. 7th Oct 2018 asking that her bank has told different principal in two different statements.. How can principal change…i kept their support and customer care in loop but not even an acknowledgment of receipt of mail.. What to do.. Should I go and sit on dharna outside her office. I feel like cussing these ba..tards

This answer comes down from my personal experience. I have been an overwhelmed Axis bank customer for the past 5 years or so. Always loved their customer-focused services.In the better part of last year, there were a number of incidents that led me to search for steps on how to close Axis bank account.I’m penning down the steps I followed to close my axis bank account.Visit your nearest Axis bank branch ( Home Branch works better)Ask for the account closure form, fill it end to end.Submit the passbook, cheque book and the debit card to the bank employee. Be sure to keep a copy of most recent bank account statement for future reference.Your account should have some credit left before the account closure process. This money will be transferred to the other account, the details of which you’ll mention in the account closure form.Provide ID proof during this process to authenticate your identity.There are account closure charges that will be levied by the bank. These vary by the account category. Check out this link for Fee & charges for your axis bank account category.Post this your Axis bank account will be closed in 2 days and the leftover money will be transferred to your other account within 7 working days(standard policy).I hope this helps.

The best way to Cancel your credit card is to go to the nearest branch. If you want to cancel your card without visiting the branch then you can send mail or call to customer care.Process to Close Axis Credit CardAn Axis bank cardholder can terminate his/her by writing to the bank or by calling the customer care centres.send an email to [email protected] or [email protected] call on 1800-233-5577/1800-209-5577/ 1800-103-5577 at any time of the day to cancel their card membership with the bank.Things To Know Before Closing An Axis Bank Credit CardAll outstanding dues, pending loans, EMI facilities, balance transfers along with other charges needs to be clearedAll unused reward points that exist on the card needs to be redeemed within 45 days of requesting for the closure of the credit card.The pending dues in the credit card that the applicant wishes to close cannot be transferred to another credit card once the request to close the credit card is raised by the cardholder.