[Resolved]  ICICI Bank — icici bank won't allow me to spend the available credit limit

Address:

Hyderabad, Telangana

I have icici instant credit card that was issued by making a fixed deposit of 20, 000/-. I have decided to close the bank account associated with the credit card, but before closing it i want to spend all the existing available credit limit. Since i wanted to exhaust all the available credit limit, i did not pay the outstanding dues to avoid adding any more money to the account which i already wanted to exhaust before closing. But because of the non-payment of the outstanding dues my credit card has been blocked and i am unable to spend the remaining available amount. I talked to the icici customer care explaining to them the situation and they said that if i pay the minimum amount due then the card will be unblocked automatically. This is extremely ridiculous because i do not want to add any more money to the account which i am trying to exhaust. Besides, there have been many complaints by icici bank customers that even after paying the minimum amount due their card was not unblocked. I cannot take that risk. This is not a normal credit card. It was issued by making a prepaid fixed amount of 20, 000/-. I still have much money left with the bank as the available credit limit. The bank has absolutely no right to stop me from making transactions with that money. I would request the icici bank to immediately unblock my card so that i can spend the remaining available credit limit. Thank you.