[Resolved]  ICICI Bank — wrong overlimit charges

Address:

Pune, Maharashtra, 411045

Hi,
I hold an icici credit card. Total credit limit in my account is only 60, 000.
I have purchased using my credit card and converted to emi from the store itself.

Emi nos. Transaction status payment date principal amount interest amount installment amount
6 emi billed [protected] 2915.5 31.6 2947.1

So i assumed everything will be fine and since my credit balance didn't go over the credit limit

Still icici bank allow me the transaction of total amount 57084.35. Even if installment amount 2947.1 in my account due to pay.

My last transaction with card is
Date ref. Number transaction details transaction amount
05/11/2018 74056638310005501615313 dmart aundh 1, 199.98 dr

As per the above detail my last transaction should be declined from tha bank, but they allow me to successful transaction.

Now they charge me
Date ref. Number transaction details transaction amount
22/11/2018 [protected]@9% 45.00 dr.
22/11/2018 [protected]@9% 45.00 dr.
22/11/2018 overlimit fee 500.00 dr.

It looks like chit with me and total look like fraud icici doing with customer.

I have contacted icici through customer care. This was rude and hurtful since this was clearly a misunderstanding. So much for a bank that is having a motto that says "khayaal aapka". Its like they are waiting for you to make a mistake to charge you.

I have never went over the limit before or never have any late payment records. I made the payments on time and correctly.

So i kindly request you to reverse the over-limit fee.