[Resolved]  ICICI Bank — icici bank credit card auto debit return fee

Address: Hyderabad, Andhra Pradesh, 500038

Hi

I have a icici credit card from past two years, i have auto debit functionality to my card

1. My bill generated on 23rd oct 2017 and the due amount is rs 24366, due date is 10th nov 2017
2. I have paid rs 10, 630 (4372 + 6258) on 02nd nov 2017
3. As on 10th nov my account balance is inr 16, 367
4. Icici charged me rs 575.04 for auto debit return fee on 10th nov 2017

My point is

A. My total due amount – my paid amount = unpaid (Which is going to be paid for auto debit)
[protected] = 13736 unpaid (Which is going to be paid for auto debit)

B. 10th nov my account balance 16367
[protected] = 2631 (After debiting my balance)

But icici charged me rs 575.04
10/11/2017 [protected]@18% 87.72 dr.
10/11/2017 auto debit return fee 487.32 dr.
10/11/2017 auto dr. Retn-insuff. Fund 0.00 cr.

By without checking the paid amount
If they charged like this, then what is the use of auto debit facility

Thank you
Axxx rxxxy