I have a credit card from ICICI Bank which I am using for last few years. I have failed to make a payment this month which was due on 06th Aug. A fresh statement has been generated for payment to be made on 05th September. However, the bank has blocked my card and has also making frequent calls to make the minimum payment ASAP.
This raises few concerns from my end:
1. Why is my card blocked when the statement does not reflect any such warnings?
2. On contacting the customer centre, they informed that they block cards with a new more than 1 month. But my due date for payment was 06th Aug and 1 month is not yet over.
3. If they have blocked my card they have stopped services. That means they are not supposed to charge me any fees for the days my service is barred. Either they charge me while providing services or not charge me if they block my card.
4. I am receiving continuous calls to make the payment (which I initially thought needs to be done before the next due date as per the statement). Now, they are eating up my time and distracting me by making calls, not providing services by blocking the card and also charging me fines and penalties. All cannot go on simultaneously.
My request is to look into the service delivery aspect of credit card line of business in ICICI Bank, where such a harassment has to be faced for delay in payment by 15-20 days for customers with an excellent payment track record. Was this information helpful? | 
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