Complaint / review / scam report
ICICI shakti credit card
Charges for late payment & over limit
My ICICI shakti (Big bazaar/ Food bazaar) credit card no. is 9401 2302 3685 4005. I had received ur cr. card statement on 13/9/02008, statement dtd.4/9/2008 & due date is 21/9/2008, but last (statement dtd.4/8/2008) received on end of August 2008 i.e. after due date. Due date was 21/8/2008.I had received SMS for ICICI regarding delay in dispatch of statement for period 5/7/2008 to 4/8/2008 & also received SMS for payment due Rs.1825/-. I had not received hard copy of statement then also I paid Rs.1825/- as per SMS received on my mobile no.9224117437. I had paid vide Cheque No.587627 dtd.20/8/2008 for Rs.1825/- (Abhyudaya Bank, Vashi). I dropped this cheque in ur ICICI Bank, Drop Box in Vashi branch on 20/8/2008. U r charging Rs.100/- as late payement charges & Rs.300/- for overlimit charges & also charged service taxes for it. These charges are unfair because I had paid my bill before due date & next purchase is on 26/8/2008 that means after paying previous dues. I am housewife. My credit card limit is Rs.3000/- Less purchase as per statement dtd.4/8/2008 is Rs.1825/- = Bal Rs.1175/- Add my payement Rs.1825/-= Rs.3000/- my credit limit remain Rs.3000/- then no question of overlimit charges or late payment chages. Kindly waive late payment charges Rs.100/- & overlimit charges Rs.300/- & service tax in my next cr. card bill & credit my account for same amount otherwise I will think for cancellation of my credit card. I am using my card since July 2007 & I was satisfied with ur services but this time I am not satisfied with ur service because u r charging late payment charges & overlimit charges which are unfair. kindly take necessary action on my request for deducting these charges & inform me on my email ID or mobile as early as possible. .I will pay Rs.1585.44 as stated in statement dtd. 4/9/2008 before 21/9/2008 Kindly credit abovesaid charges in my next bill. Possibility was that cheque was not collected from drop box in time or it may remian in drop box, this is not my fault then why should I pay extra for that? I made my payment befor due date. Kindly think on my request & take action immediately.
Author: Sulekha Dilip Padte
Offender: ICICI shakti credit card
Country: India State: All India
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