Najm ONE / Majid Al Futtaim Finance review: Najm credit card 35

I have a bad experienced with one of their collection officwr. Very rude and disrepectful. I was embarassed with our company because of him. He shouted at our hr manager and receprionist and threatening to send police in the office.

They have a lot of hidden fees and they are not very flexible..

Just avoid trouble..

AVOID THIS CARD AT ANY COST!

Hello All,
I also have Najm card. Features are just normal like other cards. Bad thing is that its is very difficult to claim the point earned from the credit card. Customer care is also not very supportive. Payment options are very few. Everytime i have to pay the bill by walking up to exchanges.

Najm put late fee on me while they didn't inform me about the last date of payment by sms like other banks.

I don't prefer this card to anyone. VERY VERY BAD CARD

rajumahraulia@gmail.com

Dear All,
I had a bad experience in Najm Card and never ever recommend it to anyone. Worst credit card I have ever seen, my credit limit was been reduced without informing me, cash back Points was not given as they change their internal policy and to spent 2000 dhs or more to be entitled for cash back Points. Annual fees was supposed to be charged after 2 statements but it was physically charged in the 1st billing cycle. Dear friends, apply for any credit card u guys want but never got with Najm Card. Worst customer service as well, if u follow customer service call by applying a new card then ur call wl be answered within 3 mins but if u call them as a existing customer then u need to be on line for more than 20 mins for sure.

Thanks
Vicky

I think some of the staff not doing a proper job. today one collection supervisor Mazher khan he show his self like a God, he shouting with me and disrespect me and abusing, I am stress, and out of control now .kindly please i request Najm higher respectable managers. please tacke strickly action or . dont treat with human being like a animal . i will make a police case against him.

Dear All,

I Have a Najm card and as I wanted to clarify some concerns regarding my statement and asked the lady on the phone Ms Naimah Suleman to give me a call back regarding the same, She just refused and informed me that she will not call me back even after asking her several times that to place a call request she just refused and this shows that the company employing them has not given them proper training on how to deal with the customer as there is no respect for the customer and they speak with attitude which should not be there if you are working in a customer care services or that they simply don't care as you have already bought the the card, rest what ever happens no one cares and if you call them you will have to wait for more than 20 to 25 minutes before some one from NO ONE cares service representative will answer, I would never ever recommend Najm card to anyone.

Thanks,
Gulam Shaikh

Dear All,

I had a bad experience in Najm Card and never ever recommend it to anyone. I have a bad experienced with one of their collection officer. Customer care is also not very supportive.

Thanks,
Lijo

Dear All, Najm Credit Card is the way to make fool to peoples/others and snatch our money through credit card service... So many Hidden charges and no any support from Company. I will strongly recommend plz plz plz don't use this bad credit card service and save your important time and money.

Very poor service I called the customer service and i have to wait for more than half hour for someone to pickup my call and on the end the agent infromed me that if I want to speak to Arabic staff I have to wait another half hour which really bad, trying to charge money from the customer unnessary, I will close this card andi'm not advceing any one to take credit from them .

Dear Sir/MMe,

I would like to come to you asking for your advice,

I am a regular customer of Carrefour and whereby they are promoting this Najm credit Card, hence one of their salesman went after me seeking to sell me one as to reach his target.

This card was received and I used it only once, for only 141 AED approximately

I never received any statement or any update related to any payment, the total payments made on the card were 250 AED…

I know the amounts are not of an issue, but from an ethical perspective, I was receiving non stop sms asking me to make additional payments for over due payments…

Knowing that I called NAJM 12 times, and asked them to cancel this Card to update my email, as my email was wrongly input into their data and yet am still receiving the same sms and the amount is getting bigger day after day…

Kindly let me know what to be done… as this is illogical to have over due for paid amounts:

141: amount used
250: amount Paid
1027: over due amount

I really am unable to understand how these figures are reaching there in 3 months?

AND THE MOST DANGEROUS PART OF THIS WHOLE ISSUE... IS THAT MY FULL AMOUNT WAS COMPLETELY SETTLED WITH ADDITIONAL 110 AED...

AND IT IS THE TEAM'S MISTAKE AS I NEVER EVER RECEIVED ANY STATEMENT TILL DATE FROM A WRONG DATA ENTRY AND YET I HAVE TO TAKE THE HIT...

IT'S NOT ABOUT THE MONEY ... IT'S ABOUT THE PRINCIPLE...

I HAVE BEEN A CARREFOUR CLEINT FOR THE PAST 12 YEARS...

Bad credit card, never apply for it. The team is unprofessional ans they do not understand the system, no follow up, no customer service. !

oh god, just now brought najm travelor card, hoping for free airport lounges but after reading all the comments, i feel it is big mistake to buy, i dont know if it will be usefull for airport lounge access

I had made payment to NAJM via internet transfer (two different amounts) from my Bank (HSBC) on 15th Sept 2018, however even as on date i.e. 12th Nov 2018, NAJM has continuously denied of having received these amounts, where on the other hand my Bank has provided all proofs of this successful transfers. But its invain.

I would like to report a conflict that has arisen between me and Dani Mathew from the Collection department.
To report the occurrences on record as follows:

I have been receiving several reminder calls from him since 2days

I work in an Emergency Dept of Hospital & we are not allowed to use our phones.

I got really frustrated upon his approach which as you can see is absolutely impolite and offensive. (Attaching screenshot)

As per my arrangement with NAJM I understand that I am required to pay my monthly due on/or before the 14th of the month.

I have been adhering to the payment plan strictly as I am aware of the consequences.

I do not appreciate the tone Dani Mathew has taken with me from the beginning as if to subjugate me, to make it worse he threatened me that he will cancel the plan?

What rights does he have to misuse his position and oppress a client by intimidating and misleading?

He shouldn't be bothering me in the first place and had I missed a payment only then taken necessary actions

I need you to take relevant action against Dani Matthew-[protected]

I need a change of personnel who handles my case immediately, as I no longer wish to be contacted by him.

Thank you for your time & understanding

I will never recommend NAJM card due to poor customer care.

I am too having loads of issues with Najm. The worse credit card ever. Loads of hidden charges and their staffs are not helpful at all. Recently they reduced my credit limit without informing and charged me with over limit fee. When contacted the customer service they claimed that they have sent me a email but unfortunately no emails received about reducing my credit limit.

Very unprofessional may they handle and rod the card holders. I will never recommend anyone to have Najm. Very bad service.

Thanks.

Akram

Avoid at any cost, horrible customer service, very high and hidden fees, it took them more than 5 months to close my credit card!

WORST financing company! A credit card company like thieves, they will charge you for overlimit of an overlimit charge! What a scam!

its the worst credit card i have ever had...
now im trying to cancel the card. They are telling that cancellation process includes 3 steps.
1. i have to call them on customer care number and inform about cancellation
2. within 3 - 5 working days, they will call back for verification
3. within 10 days they will cancel the card.

I have called and informed them before 15 days, till now no one has called back. i have called them thirce to remind but still no response. however, their team keep calling me for other idiotic promotions that never really has any benefits.

It is worst, useless, ridiculuous system they have...

Guys, please please please do not take this card...

I applied for najm cc during my application they requested to sign blank chq then my application was rejected however they didn't return my chq for almost 5 months now and I have been chasing then with no response from there side

Najm One Spoiling the Majid Al Futtaim name (In case if they don't know about the service)
The worst card and company ever. Full of false promises, don’t ever trust. I regret the day I opted to take that card, the card which holds ZERO benefit and mostly their agent lies when they are selling this card to you. the agent will say you many things but once you bought it, you will face the real bad service.
Call center will tell you that agent was a layer, we remove from our company, They will not any responsibilities. Very opportunistic and have one air which is getting money out customer pockets.
my sincere advise to all not to take Najm credit card, review all customer feedback.

NAJM CARD IS REALLY HARAMI.

I Call customer service for asking why my charges are incensing. very bad service.

my phone no is [protected].

i should start with WORSSSSST COMPANY EVER.

i have bought a najm gift card for 15 dirhams, & i loaded it with 200 aed to start with.
it was a non reloadable card with a policy that if there is any online transaction done with less than 30 aed has 1 dirham fee to it, so i made sure whatever purchase i made is above 30 aed to avoid paying them extra.
at the end the remaining balance on my card was less than 28 aed so obviously my transaction amount should be according to the balance i have in my card but unfortunately the transaction was declined though i had in sufficient amount to cover that transaction.

i sent an complaint email to them they replied saying that as they could not minus 1 aed from my card becoz my transaction was less than 30 aed & the current transaction was exactly the same amount as in the card - the transaction was declined & they deducted 10.50 aed from card for insufficient fund joke

How hilarious & cheap thing to do

NAJM CARD IS REALLY HARAMIA.

It is the worst, worst company ever. Useless and ridiculous system they have. They over charge you without let the customer know.

Guys, please please please do not take this card...

I have three major issues with Najm card:
1- if you are a middle income person you will not get anything out of it get other bank cards much better i canceled it in few months
2- the application they have is not trust worthy they ask me to pay the pending amount when i do so there is errors then they charge me 100 and more for their error and there is no way of negotiation
3- the most disturbing issue is contentious calls they keep calling you to market their products all the day long if you are a person who nap or sleep certain time per day forget it when you have Najm or put your phone on silent they will not listen to you and stop disturbing you, and if you submit a complain all what you will here is (OOOOH IM SORRY TO HEAR THAT)

Najim cards are the worst among all credit cards company in the WHOLE WIDE WORLD!

even if you pay you total amount, they charge you 4 Dirhams as a fees! IMAGINE THAT!

I do not recommend this company at all. I closed my account and will never pay the extra 4 dirhams.

I contacted you regardin an issue with a payment not reflected on my account, and the agent called Beirut answered the phone ...she was completely impolite, her attitude and her tone of voice made me really upset that I requested to speak with a manager, she refused and offered to transfer the call to one of her collegues, Then SHE HUNG UP ON ME

worst card in the history of cards! The reason is that their app doesnt work correctly, there are too many mistakes..which leads to payments not being made on time, repeat payments, incorrect payments. some customer service agents are also not very helpful.

The points seem good, but you dont even get it if you dont make the minimum spend

Do not ever go for this
Najm credit card
You will suffer like in hell

Dear All
I completely agree with Rahul and other team members. NAJM credit - a NIGHTMARE CARD.
I guess the credit risk assessors and the customer service team sitting in there got plenty of personal problems. All the grudge has to burnt by poor customers like us. They really need to get a life!

Credit card business is not meant for you! Let it be handled by professionals!

CHEATERS

First of all i made mistake to apply for this worst card which has no benefits at all to have it. They charged me annual fees on my card, later when i complained they came up with an idea to spend 6600 Dhs in 6 months, my billing was more than 6600 Dhs. When my fees was not reversed i raised a complaint with them and they called me after some days saying i spent 6520 dhs only much lesser than what we agreed. You guys can check my monthly billing it is more than 6600 Dhs.

Be careful with these guys.

NAJM CREDIT CARD - MOST UNPROFESSIONAL AND RUDE - CANNOT BELEIVE IT BELONGS TO MAJID AL FUTTAIM WITH SUCH BAD SERVICE.

I have been regular with my payments however in December they have cancelled my card without any prior intimation or reason. when I contacted the call centre they told management has taken such a decision and email was sent however I have not received any email from them. now its been three days yet they have not bothered to contact or call me.