[Resolved]  ICICI Bank Credit Card — over limit charges and cash payment charges

I am an icicibank credit card customer.I am facing financial dificulty as I lost my job.I have been charged with overlimit fee on 22/02/2010 and cash payment fee on 05/03/2010.My father made a payment through his bank account cheque for Rs 1000 for my ICICI bank credit card # [protected].He submitted the account payee cheque at the counter.Ad ICICI bank customer service says that they considered it as a cash payment because the bank account was debited immediately.Everytime my father makes a payment in the same way(cheque at the counter) and its considered as a cheque payment everytime but this time they considered it as cash payment and they charged me cash payment fee of Rs.110.30.Its not my fault.I have the cheque number(222923) that was used to pay my credit card.There was a new bank employee sitting at the counter and he was consulting his colleague and finally he did a mistake.He debited my father's account immediately.My father didnt ask him to debit the account immediately.

Also I have been charged with overlimit charges.I agree that my account went over the limit.I called icici customer services in january 2010 informed them that I am facing financial difficulty and requested them to inform me before my a/c goes overlimit so that I can make some payment to avoid overlimit charges.I was promised by a supervisor in ICICI bank customer services,Hyderabad that they will send SMS alerts to make a payment in order to avoid your a/c going overlimit.But on 22/02/2010 my a/c went overlimit because of the interest of Rs.1000 charged by them.And I wasnt informed.Had I been informed as promised by the supervisor,I would have made some payment to avoid any such charges.I have made so many calls to them for more than 20 minutes each call but all in vain.I paid 1 Rupee/min for calling them and the customer service talks so rudely to their customers.They are adding extra burden on me in my bad days when I expected them to be helpful.