O am a credit card holder of ICICI Bank Ltd. Although i have made the payments standing against my card limit i.e. Rs.14092 on 11-06-2007 I have all the details of payment (payment receipt which one is given by the bank official at my resident). In the mean time they are harassing me at my residence as well as in my office. Today their collection manager Mr. Nitin Saini called me at my personal cell and use filthy language that is intolerable.

I am holder of ICICI credit card from 2003, till May 2006 Job Problem and in November 2006 my mother's hospitalization for cancer operation cost us more and meanwhile my one installments were not paid by me on time , since then bank charged unrealistic interest, late fee and debit Rs.1300 to 1500 per month to my credit card outstanding. Even on 28/12/2005 I paid Rs.12000/= to may account. In march My balance was Rs.6589/= but next month it suddenly shoot up to 9101/=. In this persio I took loan from the bank with EMI of Rs.2500/= for six month and even this I paid regularly.

And now in June 2006, statement, My balance stood up 23954/= and Bank have deducted Rs.2975/= from my savings bank account without intimation. Whatever amount I took from the bank I paid with hefty interest. Total amount utilized by me Rs.45902 till 20.01.07 and payment were made by me Rs.49066/=

During this period, Bank recovery person me Sharma and his colleagues called me and compromise on settlement of Rs.3750/= , I kept trust on them and paid Rs.3750/= with repeatedly asking for Final Settlement Letter. But payment cleared by them No letter given to me. On this I realized that Bank cheated me. Whenever their executive called me for payment recovery, I refuse to pay as why should I pay this unrealistic amount.

Now Bank had auto debited the credit amount from my saving account and it showing Debit Balance of Rs.20900/=.

Now please someone guide me what to do to save my financial life, as I am handicapped person and my parents are dependent on me. I will not fight this recovery people with there rude and abusive and even push and talk.

Credit Card statements are confusing, charging unsolicited interest on items with high interest load and crediting payments against o% balance transfer offers. Neither they give any merchandising track no. to specify payments nor they have a clear format of transactions flow as how payments are adjusted or interest billed against which all entries. This leaves customer guessing and call center also fails to clarify in the right way. WHY DOES ICICI USE SUCH CHEATING PRACTICES?