[Resolved]  ICICI Bank Credit Card — late payment charges and thus interest on it

late payment charges and thus interest on it
sir
This is with ref.to credit card no.[protected] in the name of Dharamvir.
I strongly oppose the late payment charges and Service tax (Rs. 570+76 ) levied to us as, we have always paid the money on time and it was only because 6th and 7th all the banks on strike.So i had deposited all payment on 8th august in cash Rs. 7600/-.I am your customer for so many years
i request you to kindly waive off all the outstanding amount my above mentioned credit cards and as soon as possible. I hope for positive reply in this regard so that I may remain as your customer.

Waiting for an early reply.

Thanking you

Yours Faithfully,

Dharamvir
D-1/29, Gamri extn.
street no. 21 block, B
Bhajanpura Delhi-110053

pls my re stetment

ICICI Credit Card — 100/- Penalty on cash payment

It is given in the rules of credit card payments of ICICI that we have to pay Rs 100/- as charge if we make the payments in cash.

As per this rule -
We may deposit cash towards our credit card payment at any of our bank branches from 8 a.m. to 8 p.m. The payment would reflect in our account within 24 hours. Cash payment of credit card bills entails a service charge of Rs.100 per payment. "

On what basis Rs 100/- is paybale? The customer by himself is going to the bank and paying in cash, what for he is charged? It is understood if the executive comes home to collect the dues. But here customer by himself is going to bank and repaying the dues, what for he is charged?

Samething happened to me also. crediting the cheque then debiting then after cancelling the card ICICI issued nodue also. After two months again asking for pending due stating cheque return.
such a fraud, forgery, intentional cheating company

I have used icici credi card since 2006.Now [july 2009]I had purchased produts only Rs 961.The next month
iI will recive the bill [ bill amount 961 and minmum amount due 100] I am unable to pay this bill amount .
Next month bill shown lat payment fees 400 service charge 41.20 and interest 391 service tax 40.31..what is this. I call the customer care they said this is icici bank rule

Dear Mr. Bokare,

We wish to inform you that, cash payment is an optional mode of payment of your dues that has been made available to you. Apart from cash payment, other modes of payment such as cheque payment, payment through infinity and auto debit are also available to you and the same do not attract any charges. Any mode of payment so adopted by the Card Holder is entirely voluntary and as per his/her discretion. We have not mandated any specific mode of repayment. More so this practice is being followed by other Banks as well. We would also like to submit that any levy of such charge is prospective in nature with due intimation to Card Holders.

We would also like to bring to your notice such a charge in relation to cash transactions is also levied on our liability products and services such as drawing of Demand Drafts, Pay orders etc as there are cost associated with providing these services.

Regards,
ICICI Customer Service Team.

ICICI bank Gold Credit Card — Not settling my card properly and misguiding

I am customer of ICICI bank from 2003 I was given a savings account by ICICI and then it followed by HPCL Silver credit card. I had 32,000 credit limit in this card. I used this card regulary and also used to pay in time. After some months I recieved a Gold card with Add on card to my home address with 72000 credit limit I was delighted as I was paying my dues on regular time so I got this previlege.
After 2004 mid I bought a car and around 10 - 12 thousand I paid from my credit card and other purchase went on to become around 40,000 /- I made a mistake of just paying minimum amount to ICICI credit card guys. I shifted my job during that time and my salary used to credit late to my account which led to late payments and my card started showing 53,000 outstanding within no time. By 2008 April I realised whatever money I am paying to guys is not making any difference to my outstanding and I thought of settlement. But I realised already my Savings A/c is been liened to this card and they already auto debited 7000/- rupees without my knowledge and I started calling all over after some tussle I received info that If I clear 20,000 rupees tommorow my Savings A/c will be left alone. So I borrorwed some money and cleared 20,000 and my account came to 47,000 odd. Then I decided to call ICICI bank for settlement and I waited for 3 months to get a response at last a nagging agent dropped in normally all these agents come early morning and waste your time arguing as same guys dont drop in often so you need to clarify whole issue and its simply irritating. So this good agent dropped in said please speak to Mr. Anand Manager of Bommanahalli Branch he wll settle your account and we negotiated to 30,000 Rupees and they informed pay 10,000 now and rest 20,000 once they give me No Objection letter. once I paid 10,000 I asked where this 20,000 which I paid last week will adjust he said no its not his hands so 20,000 more only can get me letter I was happy to get a letter and get my headache over but to my surprise when I contacted this agent again he said he is still bargaining with Head office and wll get back which he never did and when frustration reached a level I called him 20 times but he never used to pick. I felt I was duped here and cant do anything my 30,000 has gone into ICICI banks huge ocean and no one can give me account of this money now. After dealing with 50 - 60 agents in 2-3 months finally I got a call from Mr. Srikanth who said he is manager at bank and there are 80 bucket managers in Bommanhalli branch and he looked into my account and suggested he will surely get me 60 % waiver as I used to pay in time and have good records. I used to be in touch with him till last August and he suggested me 60% waiver on 56,000 /- ruppes which comes aroudn 20,000 Ruppees I also told him as I left my last company I will get my PF money I will pay and settle it. But August mid he met with accident and couldnt settle my account out and then went to Kerala his calls were not reachable . Now I have lost my mobile but with my old bills I have got his number and contacted him but there is no person named him its changed now. So, I donno how to tackle this agents who are coming to home and always harrassing my parents by asking money - their motto is get minimum payment from them and make my card reach 1 lakh mark and harrass me more. my card is reached 88,000 now I dunno when it will be settled and now they will ask me 60,000 which I cant pay as I lost my job and only have my PF to pay them.

Kapil Raj

HPCL SILVER CREDIT CARD — Not showing the payments in the statement

As per discussion with your customer care department, i am sending the scanned copies of the receipts of the payments that I had made, they are not shown in the statement. You are requested to check the receipts and do the necessary changes in the amount that is payable by me.

Visa Credit Card — addition of late charges

MY CARD NO IS[protected] .I WAS PAYING REGULARLY THE DUES.LAST MONTH STATEMENT WAS RECEIVED ON 26 / 2/2010.I DROPPED HDFC BANK CHEQUE OS RS 193 / - ON PAUD ROAD ATM.
THIS MONTH I HAVE RECEIVED THE STATEMNT SHOWING THAT THE PAYMENT IS NOT RECEIVED AND LATE CHARGES OF RS 400/ - ARE SHOWN.ALSO 100 / - CHAGRES FOR ANNUAL CHAGRES SHOWN.
I WANT TO CANCELL MY CARD IF THE ABOVE ISSUES NOT SORTED OUT.
EVEN AFTER PAYING I HAVE RECEIVED ABOVE STATEMENT.MY CELL NO IS [protected]

REGARDS,
DILIP

i had received your bill for an amount of rs.464.66 due date being 29th march. the bill is for late payment fee of rs.400. in this connection, this is to inform you that the cheque was dropped by me in HUDCO building drop box on 24th february. i am surprised to see that the cheque is stated to have been received late and late fee being charged. this is to inform that the cheques issued by me subsequently have since been encashed. how it can be that the cheque issued by me on 24th february is encashed on 8th march. i am a regular bonafide user of icici bank credit card and had never delayed any payment. i shall be grateful if you could kindly convey reversal of the said charges. my phone no. is [protected].lest i should go once again in default.

ashok ajmani
A 66 pandara road new delhi-110003

phone no. [protected]

Hi guys,
I have icici cc outstanding bill since last 2 yrs. CTUALLY IT WAS AROUND 16k, BUT NOW IT IS 38k. AND I got a call from recovery dept of ICICI bank asking me to repay the amount, as iam not able to pay this much of amount, how much i can negotiate with them with this amount, that to i will pay in 3-4 installments and what is the process of settlement.plz tell me and help me frnds...

ICICI Bank Credit Card — NON REVERSAL OF FAULTY PENALTY AMT

I WAS USE I C I C I BANK CREDIT CARD.ON ONE BILLING ISSUE THEY SEND ME THE S.M.S VIA THEIR CUSTOMER CARE DEPARTMENT FOR REVERSAL OF FAULTY PENALTY AMOUNT.BUT TILL TODAY THEY NEVER REVERSE MY AMOUNT.NOW THEY ARE CHARGING ME THE INTEREST ON NON PAYMENT AMOUNT WHICH IS WRONG BILLING.SUDDENLY THEY ALSO STOP MY CARD PIN NO.WHICH IS NOT FARE.BEFORE DISCONTINUING MY CARD PIN THEY MUST INFORM ME.BUT THEY DO NOT DO THAT.KINDLY GUIDE ME IN THIS MATTER.

Hi Anushree,

We are sorry to hear about your experience. Please write to us with your contact details at [protected]@icicibank.com and refer "552821" in the subject line. We shall get back to you at the earliest.

Regards,
ICICI Bank Customer Service Team.

icici credit card — waiving of interest and additional charge on on purchase

This is with ref.to credit card no.[protected] in the name of V.P.Maheswaran.
I strongly oppose the late payment charges and interest charges levied to us as, we have always paid the money on time , were my purchase in march was only rs. 3000/ and to interest raisedand the total amount comes to 6900/ hence. i wanted to pay only my purcahse amount and not the interest put on my card,, , i have visited your office at ambattur, chennai to waive the interest charge in the bill, then , i have talked to your customer care at phone no[protected]. and requested to waive my interest and have informed to sent mail to bank id was informed,
hence kindly waive my interest, and i am will to surrender the credit card because your hhigh interest , i have also remitted payment in between and kindly do the needful for closure,for the purchase made .

regards,.v.p.maheswaran.

Hi,

We have made a note of your complaint and your credit card number. We will get in touch with you soon to resolve the issue.

Regards,
ICICI Bank Customer Service Team.

ICICIBANK CREDIT CARD — late payment fee

ref.to the credit card statement Dec.20, 2010 .
ipaid my nov.month payment on14,dec2010 instead of 7,dec2010. but late payment fee has been put for the full month. pl. reduce this for 6days only

Hi,

We are sorry for the inconvenience caued. Please write to us with your contact details at [protected]@icicibank.com and we'll get back to you. Kindly refer "1023527" in the subject line.

Regards,
ICICI Bank Customer Service Team.

credit card no. [protected] NEELAM GOSAIN

WE DROPED CH. NO. 176391 FOR RS. 12388.09 ON 19.12.2010 AGAINST THE DUE PAYMENT OF BILL WITHIN DUE DATE. WE GOT A SMS ON OUR MOBILE ON 23.12.2010 THAT YOUR PAYMENT IS DISCREPANT DUE TO WONG CARD NO. P;. DROP A FRESH CHQ. WE DROP A FRESH CHQ SAME DAY AND GOT A MASSAGE FOR CONFIRMING THE PAYMENT ON OUR MOBILE ON 27.12.2010.
NOW I GOT A STATEMENT FOR A LATE FEE OF RS. 400+41.2 AND INTEREST RS. 416.29+42.89 TOTAL RS. 900.37 AS THERE WAS NO ANY PURCHASES DURING THIS PERIOD.
I AM VERY SURPRISED TO SEE THAT A CLERICAL ERROR COST ME RS. 900.37 .
THERE WAS NO INTENTION TO MAKE THE PAYMENT LATE SO FOR. STAFF WHO MADE THE CHEQUE MADE A MISTAKE WHILE WRTING THE CREDIT CARD NO. AND YOU CHARGED RS. 900 FOR THAT. IN THE HISTORY OF MY PAYMENT NEVER BEEN A LATE PAYMENT SO FOR .
HENCE YOU ARE REQUESTED TO REVERSE THESE CHARGES IMMEDIATELY.
THANKS A LOT

NEELAM GOSAIN

FROM
SATISH GOSAIN & CO.
ADVOCATES

EMAIL;- [protected]@gmail.com
[protected]

ICICI Credit Card — LATE FEE CHARGES

Dear Sir

I paid my credit card outstanding under smart pay scheme/programme
Within 1+6 month,after that one more bill mail to me as 125/- as registration charges which is not told me by Mr.Suman (Telephonic Icici Executive) at time of smart pay scheme/programme,After that mail (Bill),I contact Mr.Suman for the same he told me that he arrange the conversation between us as proof when he offer me smart pay scheme/programme,Still I don't have any reply from your side,Also icici credit bank charges me late fee from 4/5 months this is not appreciable

Hi,

We are sorry to hear about your experience. Please email us your contact details at [protected]@icicibank.com and we will get back to you at the earliest to make sure necessary action is taken. Kindly refer "1275370" in the subject line.

Regards,
ICICI Bank Customer Service Team