[Resolved]  ICICI Bank — Unjustified credit card charges

Hi, I have an ICICI Bank Salary (Savings) account since last four years and have maintained good credit records since then. I have always paid my credit card bills on time and have adequate sweep-in deposits available.

My credit card bill was due on 30th Sep and auto debit was enabled. 80% of the due amount was debited from my savings account and I was expecting the remaining amount to be debited from my sweep-in deposits (which did not happen). ICICI bank got the golden opportunity to levy hefty unjustified charges of INR 2900 (approx.) - I never had any problem with HDFC since last 8 years but ICICI (being ICICI) was highly inconsiderate, inflexible and provided template response everytime when I escalated my concern.

Also, when I was redeeming my reward points, they had a very few options to select from (in comparison to HDFC) and guess what HIDDEN CHARGES (yayyy! - ICICI will never let you down)

I realised that ICICI do not care about customer's goodwill, good credit records or anything and consistently sent template responses despite several escalations.

I am so done with ICICI that I have decided to surrender my credit card, close my salary account and move to HDFC.

Takeway for other existing/prospective customers - Khayaal aapka tagline is super misleading, should have been "KHAYAAL APNA". I would never recommend ICICI Bank / ICICI Direct to anyone (TERRIBLE EXPERIENCE!).

My registered email ID is [protected]@GMAIL.COM. Cannot provide any more details here due to confidentiality reasons. I am sure ICICI can track my details based on my registered email ID and send a well drafted template response again.