Disappointed by BNI credit card

Disappointed by BNI credit card

As a holder of BNI's MasterCard since 1998, I have never been
late in making payments, nor have I ever breached the terms and
conditions of this credit card. I was satisfied with the
MasterCard service until August 2003, when the over-limit
facility was halted.

I was even more disappointed when BNI launched a bonus program
from April to July, during which I secured 2146 credit points. On
July 24, I called BNI customer service to exchange these for the
free annual fee bonus prize at 1000 points and other prizes
(which I still have not received). To my surprise, however, my
July-August bill still included an annual fee of Rp 120,000.

When I contacted the BNI card center on Aug. 27, I had to
accept with frustration that the 1000-point program was valid for
the Rp 95,000 annual fee only up to July 2003. In August, the fee
had been raised to Rp 120,000, so I was asked to pay Rp 25,000
for the difference.

In this case, BNI has benefited at the expense of its
customers. In actuality, the list of prizes for the bonus program
failed to specify the amount of the annual fee and did not
indicate any planned increase.

In order to avoid any other disadvantageous circumstances, I
have decided to discontinue my BNI MasterCard.

SAMSI DARMAWAN
Depok, West Java