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A Complaint Letter to a Credit Card Company is a formal document used when cardholders need to raise disputes or grievances regarding their credit card services in India. This document type is essential when informal communication channels have not resolved the issue satisfactorily. It should be drafted in accordance with the Reserve Bank of India's guidelines on credit card operations and the Consumer Protection Act, 2019. The letter typically includes account details, nature of the complaint, timeline of events, previous communication attempts, and specific resolution requests. It serves as a formal record of the complaint and can be used as evidence if the matter requires escalation to the Banking Ombudsman or other regulatory authorities. The document is particularly important in India's structured banking grievance redressal system, where formal written complaints are often required before seeking intervention from higher authorities.

1. Sender's Details: Full name, address, contact information, and credit card account number

2. Recipient's Details: Credit card company's name, grievance officer's details, and full address

3. Subject Line: Clear indication that this is a complaint letter with reference numbers if applicable

4. Account Information: Credit card number (last 4 digits), name on card, and type of card

5. Issue Description: Clear and concise explanation of the problem, including relevant dates and transaction details

6. Previous Communication: Reference to any previous contact with the company regarding this issue

7. Specific Request: Clear statement of what action you want the company to take

8. Timeline Request: Specified timeframe for expected response or resolution