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First Gulf Bank Credit Card

United Arab Emirates

Consumer reviews about First Gulf Bank Credit Card

codeblack
Feb 22, 2012

Beware!

it is possible to file a complaint in central bank of uae against the bank. u can do it online. fgb collection agents are mother fuckers. especially one named rajeev he is a super mother fucker..

Swati Dilip Bhagat
Mar 31, 2012

Beware!

Hi Guys

I have a credit card with first gulf bank these guys are calling again and again i am unable to make the payments and im into alot of stress they just keep demanding they are really abusive and thetening I just dont know how to make them understand that I really dont have money to pay these guys since my salary is really not sufficient to pay the bills I just wanna know wht can i do in order to get this sorted out when I ask them for a payment plan they are not interested in giving me a payment plan im just going crazy and into alot of stress I wanna know will this guys put me in the jail can they take any legal action on me please let me know wht i can do in order to get this sorted out please send me an email regarding the same on swtz20@gmail.com this will really be a great help pleaseeeeeeeee.

Mark Bolatete
Jan 14, 2013

First Gulf Bank

I am a jobless nurse who was terminated from my work for 6 months now and my wife is forced to shoulder our expenses, however she can only do too much, and my wife has been paying her first gulf credit card, although due to some delays in our finances and she just delivered our daughter we were trying to make ends meet. Her payments come in delayed but she makes sure that she is answering the collectors and pay what is demanded from her. On January 13 at 12 noon while she was busy working, CID agents came to pick her up in her office like a criminal. To her surprise she found out that First Gulf Bank filed a criminal case against her, just the week prior to that she was called by a collector and the dick head did not even bothered telling her that there was already a case against her. Why would they file a case wherein the customer is meeting their demands??? This is really weird that banks can easily use the police as harassment tool to collect the amount that the banks are demanding... Our baby has allergy to milk formula but since my wife is in jail we are forced to feed our baby with formula causing our baby to vomit and suffer diarrhea and seek medical advice, I am desperately trying to call First Gulf Bank but they are not too helpful obviously. My wife has the receipts of the payments she made and why on earth would First Gulf Bank lodge a criminal case to a paying customer???

jsmarasigan2223
Jul 6, 2013

FGB Peronal Loan and Credit Card

I have a personal loan with fgb, it was 2008 and a credit card, recession came 2009, I lost a job that time, FGB filed a police case against me, I paid a certain amount to release my police case, October 2010 they restructure my loan and credit card, they made it in one account. They asked me to come in Deira office collection department to sign restructuring paper, the arabic guy told me to sign first before telling what will be my monthly installment. But I told the guy that I cannot sign the papers, they might restructure my loan where i cannot afford the montly payment, still he forced me to sign, otherwise, if i will not sign they will file again a police case, in short the guy in the collection department forced me to sign the papers. I was so helpess that time, and he was threatening me while i was in their office. After restructuring (after 3 weeks) i received a call from FGB collection department and he told me that my liability with them was already restructured and my monthly payment will be AED3,300!!!!! I was surprised and I informed him that i cannot pay that huge amount every month. He said that he cannot do anything because I already signed the paper. I was suffering from this debt, since 2010 I did my best to pay the monthly installment which they required, until now. I sent a lot of letters and emails to request them to reduce my monthly installment but they just ignore them. Last month (June 2013) I did not to pay due to enrollment of my son. Last Thursday I received a call from collection department and we are arguing for 27minutes, he was using some bad words, i was so stressed due to this conversation. I told him i am willing to pay every month but not that huge amount, FGB is not only my responsibility, as an expat I need to save money for my family and to pay my other liabilities here in UAE. The conversation did not went well, he told me that, he will call our head office and i will lose my job if will not pay, and later on i will be in jail and he will send CID in our office. Is there anyone had same case experience? Please let me know maybe you can help me. Also, they dont want me to give any information about merging of my account, the only thing they want is to pay the bank.

kamatchinathan
Dec 10, 2013

atm deposite

dear sir / madam
i deposited 205 kuwait dinar in atm machine no 475 ....in fahaheel branch at 05.12.2013..18:45:32..
that time machine showing hardware error ...my amount not deposit in my account and also not comeback..that time i called customer care...i put complied..they are giving ref no-54639..but now not get my amount... then what i will do..pls help me.

thankyou
kamatchinathan
email - kamatchinathan1986@gmail.com

sychelsea20
May 7, 2014

REBATE ON FGB CREDIT CARD

I HAVE FIRST GULF BANK CREDIT CARD WITH ME FOR MORE THAN 5 YRS AED 21000 PLUS THE CURRENT BALANCE. FOR MORE THAN 5 YRS I AM PAYING IT.. I ONLY PAY MINIMUM DUE AND I AM HAVING SOME DELAY PAYMENTS DUE INSUFFICIENT FUNDS AND LESS SALARY. i WANTED TO SETTLE AND CLOSE MY CREDIT CARD.. I JUST WANT TO KNOW IF FGB ARE GIVING SOME REBATES OR DISCOUNT UPON SETTLEMENT FOR SUCH CASES. I ONLY OWE THEM 21000 PLUS BUT IF YOU WILL GOING TO COMPUTE ALL MY TOTAL PAYMENTS FOR MORE THAN 5 YRS.. YOU CAN EVEN DOUBLE THE AMOUNT OF THE CURRENT BALANCE DUE. PLEASE I NEED HELP FROM ANYONE WHO HAVE ANY INFORMATION ABOUT MY CASE. FOR MORE THAN 5 YRS I AM STRUGGLING, I WASN'T ABLE TO SAVE MONEY, HAVING SOME SERIOUS DEPRESSIONS AND STRESS BECAUSE OF THIS CREDIT CARD. I WANTED TO LEAVE THE COUNTRY FOR GOOD AND GET MARRY BUT I AM INCAPABLE TO DO IT LIKE I AM STUCK BECAUSE OF THIS PROBLEM. I WANTED TO KNOW IF FIRST GULF BANK DO GIVE SOME DISCOUNTS UPON SETTLEMENT OF CREDIT CARD DUES. MANY THANKS FOR YOUR KIND HELP. KINDLY E-MAIL ME ON sychelsea20@yahoo.com God bless!

sychelsea20
May 7, 2014

FGB CREDIT CARD SETTLEMENT

I HAVE FIRST GULF BANK CREDIT CARD WITH ME FOR MORE THAN 5 YRS AED 21000 PLUS THE CURRENT BALANCE. FOR MORE THAN 5 YRS I AM PAYING IT.. I ONLY PAY MINIMUM DUE AND I AM HAVING SOME DELAY PAYMENTS DUE INSUFFICIENT FUNDS AND LESS SALARY. i WANTED TO SETTLE AND CLOSE MY CREDIT CARD.. I JUST WANT TO KNOW IF FGB ARE GIVING SOME REBATES OR DISCOUNT UPON SETTLEMENT FOR SUCH CASES. I ONLY OWE THEM 21000 PLUS BUT IF YOU WILL GOING TO COMPUTE ALL MY TOTAL PAYMENTS FOR MORE THAN 5 YRS.. YOU CAN EVEN DOUBLE THE AMOUNT OF THE CURRENT BALANCE DUE. PLEASE I NEED HELP FROM ANYONE WHO HAVE ANY INFORMATION ABOUT MY CASE. FOR MORE THAN 5 YRS I AM STRUGGLING, I WASN'T ABLE TO SAVE MONEY, HAVING SOME SERIOUS DEPRESSIONS AND STRESS BECAUSE OF THIS CREDIT CARD. I WANTED TO LEAVE THE COUNTRY FOR GOOD AND GET MARRY BUT I AM INCAPABLE TO DO IT LIKE I AM STUCK BECAUSE OF THIS PROBLEM. I WANTED TO KNOW IF FIRST GULF BANK DO GIVE SOME DISCOUNTS UPON SETTLEMENT OF CREDIT CARD DUES. MANY THANKS FOR YOUR KIND HELP. KINDLY E-MAIL ME ON sychelsea20@yahoo.com God bless!

Mans12
May 25, 2014

Annual fee on card

team I have first gulf bank credit card since 4 years, it was promised first year free so I continued later they called me stating if u giving any standing instruction for utility payment we will make this life time free , so I gave Salik as my standing instruction for two years I wasn't charged annual fee , this year they charged me fee so called for closure of the card since I didn't want to pay am fee ,, later an agent called me stating u don't have to close the card , since I can see ur good spender on the card , just spend 2000 in a month and call us for reversal so I agreed to spend , then she said u can call back after spending then I said I cannot call back after spending just a call, so I called after spending , when making a payment I didn't make the am fee since it was to be reversed , now in my statement did see the charges of interest , so I called up call tried explaining numerous time that to reverse this charges but was very disappointed with the way no charges were refunded and management declined request for interest charges after me making rest of the out standing ..... Pathetic service that is what I can , it is clear message nobody cares in the bank once charges charges charged in the statement we are liable nothing else if it is a bank error also ,,,

sharique.rais786
Mar 24, 2016

Charged 500 AED as Annual Maiantenance Charge for a Free for life Card

GRIEVANCE: "My FGB credit card was FREE for Life (as told by the agent at the time of documentation). Now, my credit card has been charged 500 AED as Annual maintenance charge.". When I complained to customer care 600525500, Agent "Karina - FGS4315" told that I HAVE TO pay 500 AED before due date. When I insisted to cancel my card. She said, still I have to pay 500 AED annual charge only then I can request for cancellation of card. If I don't pay 500 AED before 10th April 2016 (due date), penalty of 200 will be levied and will make my liability to the bank to 700 AED which will increase by 200 AED + interest every month. When I said, I want an email from FGB confirming that I have to pay 500 AED and it will not be reversed. She said, that will not be done. FGB will never send an email to confirm that Annual maintenance charge of 500 AED on my credit card will never be reversed. Do whatever you want as you don't have written proof and no court will accept the same. She offered me reversal of 500 AED only if I take a loan of large amount from the credit card. This is the most unprofessional business tactics I have ever seen by any bank to force a customer to get into a debt in such a volatile job market where jobs are unpredictable and salaries are lowered. Customer care people are deaf and will not listen to understand the issue. They are just after to fulfill their sales quota by hook or by crook.

I am now screwed. I have been penalised for no fault of mine. I warn every reader of this post to never OPT for FGB credit card ever in their life. FGB agent tell that the card is free for life and then bank charges a hefty amount as annual maintenance charge and puts un-necessary mental torture and harassment. 500 AED is not a small amount for anyone. A lot of things can be bought for this amount. Why the hell will I opt to have a credit card with annual charge when the market is flooded with Free for life credit cards from a 98% of banks of UAE. I don't had any payment dues till date with FGB.

RESOLUTION: I want senior management of FGB to look into this matter seriously. Reverse 500 AED back to my credit card and then confirm by email that my card is free for life or else cancel my card after making my liability to zero.


Kind regards,
Sharique Rais
0501582321
sharique.rais786@gmail.com

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