[Resolved] ICICIcredit Card — False Over limit charges

meduriprasad

Address:

Hyderabad, Andhra Pradesh

I am Anjaneya Prasad, I have been using the ICICI card from 2006.
I have other bank cards but there is lot of difference between the charges that they charge on accounts.
I have used the transactions only when there is a credit limit exists on my account, but after generating the statements the credit limit gets reduced and charging the over limit charges. Because interest getting debited from account immediately after statement generation so that limit gets reduced. This is not my transaction and there will be a due date to make total/min amount. I feel this is injustice, when I have given a request to ICICI they are saying that it cannot be waive off as I am aware of those charges. I feel rules should be same to all the banks. RBI should concentrate on this charges.
My card num: [protected]
Charges for July and August 2011
13/07/2011 Overlimit Fee Rs. 500.00(DR)
14/08/2011 Overlimit Fee Rs. 500.00(DR)
Thanks.

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Aug 13, 2020

Complaint marked as Resolved

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Comments

V B TALIKOTI

from Hyderabad, Telangana

TRINETRA ICICI BANK CREDIT CARD — not receiving statement in time

we are facing lots of difficulties in receiving my statement on time. and it is posted after the due date from your end. and we are finding it difficult to know the due amount to pay in time. kindly send the statement to my e-mail address [protected]@yahoo.co.in and do the needful.

M.Goverdhan Rao

from Delhi, Delhi

ICICI Credit Card — overlimit charges

I regularly use ICICI-Trinetra credit card and paying the monthly charges regularly. The bank has issued another credit card. I have withdrawn cash of Rs.20000 from the second card on 12.8.2008. In my last month statement the bank has clubbed this withdrawal to my first card and issued a combined statement. Due to this clubbing I have crossed my monetary limit of first card and the bank has charged me this month Rs.500 towards overlimit charges. I do not understand how the bank has levied this amount to me when they have given me seperate monetary limit on my second card.

Madhukar Reddy Tera

ICICI Bank Credit Card — False INTEREST CHARGES

For Aug-Sep month 2008 statment I have to pay amount Rs16240 with lastdate 26-sep-2008
And I paid 8000 before 26-sep-2008 (on 24'th Sep 2008 through online) and remaining 8240Rs paid on[protected]. But still they have added 1800 Rs as Service and intrest charges as shown below. And I sent more than 20 mails requesting them to revert those charges as am out of country. In this process they have deactivated my card and they keep on adding late fee charges and for this month they have sent 7000 as due payment. When I pay minimum amount before last date how can they put intrest charges?
I asked them to send how they calculated these charges in my mails but I never got a proper response.

08/10/2008 INTEREST CHARGES 1662.23
08/10/2008 Service Tax 205.45

I again request you to revert these charges. here is my credit card number: 4477 XXXX XXXX 2000

Nazia Sayeed

from Pune, Maharashtra

Dear Mr Reddy,

Kindly write to us at [protected]@icicibank.com, with the subject line as ‘Customer Service – Credit Card’. Request you to provide the relevant details of your card, along with your full name and contact details.

We will be glad to assist you.

Regards,

Nazia Sayeed
Office of the Nodal Officer

satish kumar singh

from Delhi, Delhi

i use icici bank credit card last three year. i have no pay any other extra charges. all mont paid full amount.
i m transation on 28 july 0n dell computer and call to coustmer care of icici bank convert to six mont emi . but not covert emi .(before purchases confirm covert emi told icici bank)

ICICI Bank Customer Care

from Mumbai, Maharashtra

Verified Support

Hi,

We are sorry to hear about your experience. We have made a note of your credit card number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

meduriprasad

Hi,
I have seen your email about Reversal of over limit charges, thanks for that.
I am in driving so that I missed the call from you[protected].

Thanks.

meduriprasad

Sorry for saying thanks, you people are great business men. You have reversal 1000 rupees and charges 700 for late payment charges. So any way your bank is running on these extra charges.
I see that late payment charges were charged on same time when you reversal the charges for over limit.

Because of your late payment charges 700 and interest charges after statement generation limit has again crossed and I see that there is a over limit charges for this month, I am not using the card and making the minimum payment but even though over limit charges.

I have other bank credit card statements I will show you they never charged me over limit charges, if limit crossed after statement generation then the amount will be in negative.

I see that SBI and ICICI were charging over limit charges illegally. By doing a request you are reversing or else that continues in the same way. I am not asking for reversal, I am asking for adjust the system, policies and system design will be in our hands don't say that it designed by God.