• April 20, 2018
    Last updated 53 minutes ago


Unwanted credit card

Bank issues credit card without customer’s request

15:27 March 17, 2017

Unwanted credit card

On January 9, I got a call from the post office, and the representative said they wanted to deliver a credit card from Emirates Islamic. I was shocked as I have not applied for any credit card with them and have not signed any credit card form or provided any document. I informed the delivery person, and he said he would return it to the bank.

On the same day, I wrote to Emirates Islamic through Facebook Messenger, but got no update from them. On January 14, I sent them a reminder, and they responded with an apology and promised that someone from their Customer Care team would get back to me. I am yet to receive any call or an update from them.

I am worried if it is a case of identity theft or if some sales staff members have got my documents from somewhere and submitted it to the bank to meet sales targets.

I need Emirates Islamic to investigate this matter, as I do not want to be held responsible for any misuse. I also need a confirmation from them that this card has been closed and deleted from the relevant Credit Bureau system, as I don’t want any issues later. I need a ‘No Liability’ Letter from Emirates Islamic to be issued urgently. I would appreciate if Gulf News could please take this up on an urgent basis.

From Mr Kazim Kirmani


The management of Emirates Islamic responds:

Thank you for bringing Mr Kirmani’s concerns to our attention.

We are pleased to report that our Customer Experience team have been in touch with the customer. The customer’s card has been cancelled as per his request and the matter is now resolved.

We take this opportunity to reiterate that Emirates Islamic is committed to providing the best customer experience to all our clients.

Mr Kirmani responds:

Thank you for the intervention. It has indeed helped. Despite three reminders on Facebook, I did not hear back from EIB. But now, they have called me and informed me that they have cancelled the card. I have asked for a clearance letter, and was told to go to the branch and collect it.

(Process initiation: January 24. Response from organisation: January 25. Reader confirmation: January 31.)

Editor’s note: Do you have similar issues that you would like to raise with us? You can write to us at readers@gulfnews.com.