[Resolved]  Credit Card — Late Fee & delayed payment chaeges by ICICI BANK

Address:

Mumbai Suburban, Maharashtra

Reply


Dear Mr Anup Saha,



First & formost I have been complaining to your bank for last couple of months to deliver bills on time has gone unheard. Normal & standard reply I have been getting is we are concerned & your policy of how you charge late fee& othercharges. Following are concered area's

# I have been prompt to make payment & haven't been always using revolving credit facilities. From day one I always made payment on reciept of the bill.

# Last couple of the month your courier company misinformed your bank that my postal address have changed which is not so. This is verified by your bank & found to be false. Delays in payment is happened due to not reciet of the bills. And follow to get bills is always from my side if you check the records. However by the time I make payment, However next bill is generated without realising the fault on your side & therefore late fee. interest charges alongwith services tax are levied.
# I have been writing to you on this however off late i was getting standard replies regarding how do you do billing without realising that there is delay from your side to deliver the bill.

# I have written several time & also exlpained to Mr Rajiv Pandey who is currently Branch Manager at CBD Belapur.I have explained everytime in my mail, how apyments are made & asked your credit card department to tally account. However you accounts department isnot bother to take corrective action & never tally the accounts.

# My outstanding according to you was Rs 1170 & additional purchases were made. However my purchases has never gone crossed my credit limit, then why was my credit card was blocked?

# I will surely make the payments of purchases made by me. However if you continue to charge interest & late fee on the amount which according to me isn't outstanding without tallying the account. i don't think its fare & I will have no option to discontuine banking with your bank.

# Currently i m HNI customer alongwith Dmat account with your bank, Because this approach I have shifted my home account to another bank.



Please don't send me generalised credit policy which explains how billing is made. Please tally account.

Can please expalin?? why my card was blocked when my credit is upto Rs 64000. I would expected your bank to atleast call up & inform in advance. Now that you have blocked the card please tally account & close the issue.



Thanks & Regards



Chandrakant Ranavare

Note : In case if i get calls which are unreasonble & without understanding the matter only asking payment from your credit collection agency. I will explain 2-3 times not beyond that.

However if I any credit collection agency uses force i have no option but file criminal case against your official





















Email from ICICI BANK Customer care





Dear Customer,

Our records show that as on August 19, 2010, a minimum amount of Rs.1170 , is overdue on your ICICI Bank credit card 4477xxxxxxxx7004. Due to the non-payment of this amount, we are sorry to inform you that your card is blocked. Please note that the total outstanding amount is Rs. 21343.9.



To activate your card, we request you to make a payment of the total amount due or at least the minimum amount due of Rs.1170 immediately. We would also like to inform you that non-payment of dues, impacts your credit history. If you have a bad credit history, you may not get a loan or credit card from any bank in future. .

The last day for making your payment is on August 19, 2010, failing which the additional charges will be levied on your credit card account.


Please note: You can make payment in any of the following ways;
Walk into any ICICI Bank branch and pay in cash. Please indicate your correct credit card number while
depositing the cash at the branch. We would like to inform you that payment in cash at any ICICI Bank branch entails a charge of Rs.100 (plus service tax).
Draw a cheque / demand draft in favour of “ICICI Bank Credit Card Account 4477xxxxxxxx7004 (give all the
16 digits)” and deposit it at any ICICI Bank branch or ATM drop-box.
Visit www.icicibank.com, go to ‘Online Services <Click to Pay< Credit Cards Payments’ and make an
online payment from any of your debit cards or other bank accounts.

For any further clarifications, and services please do the following:
Call our Customer Care number of your city, on any business day between 10:00 a.m. and 8:00 p.m.
To view the numbers, click here. After the ‘Welcome’ message, please press 171, the fast-dialing number. Our Customer Care officer will respond and assist you.
Alternatively, you can visit www.icicibank.com and write to us using the "Email Us" option.

We look forward to your co-operation in helping us serve you better.

Sincerely,


Anup Saha
ICICI Bank Ltd.