[Resolved]  ICICI Bank — Unnecessary Overlimit Fee applied on my credit cards Since june

Address:

Hyderabad, Andhra Pradesh

Hi ICICI Team, I am really very unhappy for the kind of service and over charges you applied on my credit card ...Where I have been a loyal customer for you since 2010. My credit card limit is 35000 I never over used amount or swiped my card anywhere over 35000.But in the month of May 2014 I exactly used 34388.55...Again I want to remind you that I am eligible to use 35000 amount if its available in card. But what your ICICI team did is for the next occuring statement they added up the interest charges for this 34388.55, interest charges are 1153.85 and service charge is 142.62 " I dont know what kind of service you offer by charging this service fee" ...SO THESE ARE APPLIED AS INTEREST FOR THE AMOUNT I USED """ but but I DID NOT OVER SWIPE MY CARD" from that month till today I am been charged Overlimit fee as 500 rs and funny part is there is seperate service tax for this overlimt fee which is 61.80 rs. The reason we opt for a statement message to our phone is so that we can atleast pay the min due amount until we clear the total amount. BUT THIS IS MISUTILIZED BY THE ICICI BANK TO THE CORE. on top of this if you look at my july statement I redeemed my reward point for which I was charged 75 rs for redeeming as fee( again an other funny thing is we have rewards since we used the card..they give ads saying that we get rewards if we use card but to redeem them also we have to pay them and again SERVICE TAX IS APPLICABLE ON IT AGAIN. MEAN TIME WHEN ALL THIS IS HAPPENING I USED MY CARD TO PURCHASES ONLY IN MONTH OF JUNE AND MAY """ MAKING REGULAR MIN DUE AMOUNTS ON TIME". ADDED TO THIS IN THE MONTH OF AUGUST MY OUTSTANDING IS 33240.84 FOR WHICH icici team added overlimt fee-500, service tax 61.80, again service tax 154, annual fee -500, interest 1250.23, again service tax 61.80.with all this applied on that billing again fo rthe next month they added over limit fee. This is going on from past 7 months.If this is how you people are fooling an educated person like me...how about person who dont understand all these things. This is really a very bad experience.I was told that there will be an yearly fee only if I dont use 35k per year on that credit card.but here I used though you applied unnecessary charges every month. From past 6 months I have been charged extra 561.80 rs every month where its not my fault /OR I DID NOT OVER USE OR SWIPED MY CARD. IT HAPPENED BECAUSE OF YOUR CHARGES. ITS AN INTEREST CHARGED FOR THE AMOUNT USED .HOW WILL IT BE A OVER LIMIT? DOES IT MAKE ANY SENSE ? If am used entire amount 35k of my card then interest charge + min amount of the total used amount should be you MIn amount Due, which we would be checking and paying it back to you. But adding interest and making it as overlimit and applying overlimt fee is a literal fraud.I really had a very good trust and opinion on ICICI bank But seeing all this am really afraid what would have been happened in my past payments and how much extra I have been charged. I request you to reach me out Immediately and sort this issue please.Can contact me on my email so that we can have further phone conversation.keerthi.[protected]@gmail.com