ICICI Bank Coral Credit Card — Late Payment Fee Charged For Transaction Even Before Card Dispatched

Address:

Chennai, Tamil Nadu

My name is Avinash Francis Babu J. I have a ICICI bank coral credit card. I applied for the card in July but it got activated only on 01-Sep-2014. Even before the card arrived, CPP Plan was activated for Rs.1399 and I was charged late payment of Rs. 500 for the bill generated on 02-Sep-14. Hence, I unsubscribed from CPP Plan. But even then late payment fees is put against my card. Due to the above issue and also low credit amount, I have cancelled the card. Is it appropriate to charge a customer even before he activated the card? I applied for the card in July but the card arrived on Sept 1 because my name on the card was wrong. I held ICICI bank solely responsible for the delaying shipment of card, activating CPP plan before activation of card and charging late payment even when the card activated only on Sep 01. I will not pay any amount!