ICICI Credit Card

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Category: Business & Finances

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India

ICICI Credit Card Reviews

ANKUR MOHAN AGARWAL June 25, 2011
payment cleared still charged and deducted amount from my salary account
Dear Sir,

My name is Ankur Mohan Agarwal, R/o C1/99, Main Market, Khajuri Khas, Delhi 110094.

I am using ICICI credit card number 4477 4645 6049 7004.

On 23rd June 201, I received a letter dated 16th June 2011 from ICICI bank stating that an amount of INR 4249.65/- is due on me and if the payment is not made within 7 days they will deduct the amount from my salary account which is also in ICICI bank with A/C no. 000701233926.

On 23rd night I spoke to ICICI customer care and was informed that the query relates to collection department which works between 8am to 8pm.

On 24th June 2011 an amount of INR 4243.65/- was deducted from my salary account.

I have not used the ICICI bank credit card since long. When I contacted on 25th June to the customer care, I was told that

"I made a payment of INR1300 on 24th May 2010 to Bharti Airtel through credit card, and made a payment to ICICI of INR1300 in July 2010 whereas an amount of INR1845.46/- was due on me at that time with late fee."
Thus the amount of INR 545.46/- which was a late fee was outstanding since July 2010 and subsequently it increased to INR 4249.65/- which they deducted on 24th June2011. In nut shell the total amount of INR4249.65/- is a penalty imposed by ICICI.

I told them that I never received a statement in June or July 2010 and it was me who after few days made the payment of INR1300 thinking that already many days has passed. After that also I never received any sort of correspondence from ICICI, not even my credit card statement.
But the customer care person told that my father received the statement of Sep2010. I don't understand what to do in this case. The customer care person even said that no complaint can bring my money back.

Also he told me that an amount of RS6/- (as amount due was 4249.65/- and amount deducted was 4243.65/-) is still outstanding on me and if I will not pay they will deduct with additional penalty from my account.

I would like to understand
1) If a bank can deduct money for its credit card on its own without being authorized by account holder?
2) If the whole action of ICICI is justified?
3) Is there any way I can get my money back?


Looking for help from you.


regards,
Ankur M. Agarwal
ICICI credit card February 27, 2011
fradulent on line transaction
I have received an SMS this morning 5.56 am stating that a trasnaction of INR 1000.00 on 26.Feb 11 on my card xxxx7007 has been made at DUMMY ME ONLINE. As I remained at home yesterday and not use the card on the online purchase, I wonder how this transaction took place and what was the cause for it.
Sathishr October 10, 2010
Amount blocked in SB A/c - ICICI cheater
I have not purchased or signed any of the ICICI Lom Gen Insurance but you people are charging for that (Refer service request no is 80308401 & Interaction ID 1944946 ). This is clearly showing that ICICI is not listening customers and they are cheating in all the way. Already I have sent clarifications with details to RBI with a copy to ICICI. The same has been intimated to ICICI customer care and quality cell(RE:'ICICILom=007-458-454' Ref No. 0020524091003 -- ICICI Cheating customers - Immediate replyrequesting) & (RE:'ICICICARE=039-397-455' ICICI Bank Credit Card).

Regards,
Sathish kumar
Amit Poria September 12, 2010
Cancellation of card without any specifaied reason
Dear Sir/Madam,

I m carrying a Credit card of ICICI bank with following details.

Card No.:4477470350070000
Valid Till:07/11

I have got many schemes activated on this card such as my medicalim insurance provided by ICICI lombard & other EMI schemes were running which are closed now.

Before two months i have received statement of my card with credit limit of 17000 where as the original credit limit was of 49000.The card was issued to me with another credit card in 2007 in lucknow with another card no.4076590668851000 with credit limit of 51000/-.

The card which ends with 1000 was closed in early 2008 by force by the bank.They haven't provided any details of dues or min payments personally or in terms of mail/call. They have started calling me for the recovery directly & started calling my family directly & scesed my salary account with ICICI bank.The account No. is 006401515167 & holded all my savings/ salary for no fault of mine.Apart from this the manager who was handling the department named Mithilesh jha was thretenning me to call my office superiors and pressurised me to pay or else they will declare me defaulter at my work place & to the credit beauro of RBI. And this was not all they have called my family members & thretenning the same to them.

My question is, if they could contact me for the recovery why not contacted me for the repayments of the card????

There was no right to contact my official relation or to my superior while they were at guilty.


Now after two years they have again done the same they have decreased my credit limits for the card which ends with 0000 & not they have started recovery of the same.

I m also not willing to keep any relation with such bank who keep changing rules on its own for his customers.I m ready to re pay the dues to the bank but following questions must be answered.

1)I need a writing letter from the Bank that they are closing the card on their own without any mistake of mine.
2)I need report from credit beaurow of RBI stating that ICICI has not reported any fraud to them regarding my credit report.
3)I will pay the out standing only without any extra charges.
4)All my relation with ICICI to be closed with no due certificate from ICICI.

Apart from this, please assure me that bank will not herrase any of my family members in regards of payments of the card.
I will close all my accounts of mine with ICICI bank on the confirmation of bank to me.

Regards,
Amit Poria.
9665070005.
Anjali.akshat September 3, 2010
CIBIL Listing
I had in yr 2004 a credit card got from ICICI bank. For what so ever reasons, I got it settled for Rs. 12000 in three EMIs which i Paid in time during Sep 2006. I have receipts and settlement letter with me. When I applied for a loan with some other bank during Aug 2010. It got on hold on the grounds that I have an overdue for Rs. 6900/- in CIBIL CIR with ICICI bank till date which should be NIL.

Upon asking with concerned authorities of ICICI, they said that it is not possible that any entry of Overdue is still reflecting in CIBIL in my CIR. They are also telling that they had already sent the details to CIBIL but CIBIL has not updated my info at their site. They have given me the deadline upto 16 days. Otherwise, my loan will get denied. Only because of their negligence. I have asked them to initiate early action but still they are insisting me to wait for 15-16 days.

God knows whether they will do something or not??
dubey.umashanker August 13, 2010
fake sms by TM-ICICIBNK
on date 8.aug 2010 on my mobile number 9838789697 a numer of sms send by TM-ICICIBNK .the context of msg is that the add, pnt num, pin code &phone num of card no-5xxx3009 is changed on my request.

now the problem is that nither i have any bank account in icici bank nor i have any credit card . pls clerify that what kind of msg that is?

waiting for u rreply

U.S.DUBEY
(ADVOCATE)
drybchhatbar June 24, 2010
False irrelevent charges by ICICI credit card
Sir I am holding IICI credit card since June 2006. I am a regular user of it and till today I have paid all charges without fail. On 22nd April the state ment was not received nor I was able to search on net. I wennt ICICI bank Gandhinagar and the officer also tried to login to ICICI credit card statemen and was not able to do it. Due to that I had paid my charges 10 days late i.e on 20th May. I paid the full amount which I had spended. They had put round about Rs 600 as extra charges, i.e Rs 400 late payment charges+ 41rs VAT + 159 as interst on my due amount Rs 1800 round about. As I had not paid that charges in statement of may they had pur 441Rs extra charges on those invalid charges and asked me to pay 1089Rs. I talked to ICICI bank people and had promised to wave of the charges and told that I will get it within 48 hours on net. To my surprise nothing was waved of and now on 22nd of June they asking me to pay around 1500Rs after adding Rs 400 late payment charges + vat. guide me what shall I do and how to get out of this invalid and humbag charges.
Bhopal singh Jhala January 28, 2010
blocking of card
I am a very old customer of ICICI Bank, credit card, prudential, Lombard.
I had icici Platinum card no. 4629 8641 8953 9002 that is now blocked because of non payment od dues.
I had a quaterly auto payment of Rs.15000 on my credit cardof my Max New York Life Insurance policy .I was charged twice in one quarter.Which i already paid.Then i stopped this auto payment facility on my card.Still i was charged.Which i didnot wanted to pay.Still i paid that amount to the bank.But i have not paid the late fee and interest chanrges.This interest and service charges has now increased to more than 6000 Rs.My card is now blocked.Now I wanted to pay my basic principle charges which is Rs.2200.But Icici credit card staff says that card will be blocked and i cannot use this card again.
Respected Sir?/ Madam, I will request you to look into these matter.You can look into my history.I have been a cutomer of ICICI company more than 10 years.I wa very happy with the services of your company, but this incident schoked me. It is not the matter of Paying Rs. 2200, but matter of dignity.Why schould i pay, which is not fair.I have always paid my dues on time.First i had Silver card then promoted to gold and then to Platinum.
Kindly look into the matter and please reply me on [email protected] or you can call me on 09414164698.

Looking forward for a positive reply

Yours faithfully
Bhopal Singh Jhala
Udaipur (Rajasthan)
Patil Praveen January 8, 2010
Wrong Commitments, harassment and cheating
The manager Customer Care
ICICI Bank credit card

I am Praveen Patil, holding a FUTURE Credit Card (No: 4023 6850 0609 5007)

Complaint (No: 128676885 dated 3.1.10) :-

1. My credit limit of the card is 80, 000/-, outstanding till 9.1.10 is Rs. 19400 /-, but showing a available credit limit of Rs.4600 /-, were as it should be Rs. 60, 600/-...why ?

2. After giving a complaint on 3.1.10, it was committed that it will be rectified within 48 hrs... but till 7.1.10 no action has been initiated... why ?

3. On 7.1.10 Spoken with one Manager named Mr. Satish who called me at 8:30 pm from telephone line 04064637607 and apologised and again re committed for 24 hrs rectification time ... but till 9.1.10 no action has been initiated... why ?

4. Again when I called on 9.1.10 and spoken with some so called customer care manger Ms.Manjula who is very rude in attitude... and try to convince me that rectification will be done by 12.1.10. ...but why ... why not today...? ... why should we suffer because of bank wrong entries ...? ... who much patience one customer should be, because of your wrong commitments given ... for no reasons, we are getting a shamed while using the cards at reputed places.

Kindly reply with a action taken and on the matter... or else be prepare for the legal action on harassment and cheating case by consumer form.

For any more detail and clarification be call on 09972012342.
Thanks

Patil Praveen
Email :- [email protected]
Mobile: -09972012342
lokesh verma December 23, 2009
WRONG TRANSACTION
MANAGER,
ICICI CREDIT CARD,

SUBJECT: FALSE TRANSACTIONS IN RESPECT OF CREDIT CARD NO -4477 4741 2552 5017

SIR,

1. I am posted in J& K in ARMY with effect from 10 July 2009 where there is no facility of net banking or credit card.
2. Before coming to this place i had been in Pune & i had cleared all my dues of credit card against me.
3. Following transactions had been shown against my credit cadr no- 4477 4741 2552 5017 which are repetitive in nature:-
(a) 10 sep 2009 Real Player Rs. 249.20
(b) 26 sep 2009 Unlimited Movies Rs. 347.60
(c) 10 Oct 2009 Real Player Rs. 238.73
(d) 26 oct 2009 Unlimited Movies Rs 336.14
4. A total of Rs 2345.41 is shown pending against me as on 23 dec 2009 which include above mentioned details and late fees and interest.
5. Since i donot have a clue of above mentioned transactions, i am here by requesting you to please look into the matter.
6. Further it is requested to please revert back the late fee & interest charges.
7. The place where i am posted, here is no facility of internet or netbanking. Neither a branch of ICICI bank exists.
8. In this regard i had already spoken to your customer representative Mr Surender & Miss Godavari in Hyderabad. They have already blocked my card.
9. In view of the above it is requested to please look into the matter & late fees and interest charges may please not be included till the time the matter is resolved.

Yours Sincerely,
LOKESH KUMAR VERMA
EMAIL : [email protected]

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