Credit Card
IMPOSING PENALTY

Just to share some facts regarding some transactions with my credit card (4477462171814005) of ICICI bank:

a) As per the statement dated 3/11 outstanding showed was Rs 6367.57

b) Accordingly a cheque (Cheque No: 253442 HDFC BANK dated 16/11) was issued by me favoring ICICI Bank Credit Card 4477462171814005.

c) On 26/11, I was informed by your credit card department that the above cheque drawn by me was a stale cheque and requested me to issue a fresh cheque. I was informed accordingly that a person will be coming to me the very next day to collect the cheque for which no late payment fees will be charged. I asked repeatedly the credit card department the reason for considering the cheque as stale cheque, but failed to get any reply. Accordingly I requested the department to return me back the cheque which was not done till date. I enquired HDFC bank about such happening but they told that they don’t have such feedback against the said cheque. Without wasting a moment I handed over a fresh cheque (Cheque No: 253443 HDFC BANK amounting to Rs 6368) to the bank person.

d) As per the statement dated 3/12 fine charged for above transaction was Rs 769.90 that was paid immediately on 18/12.

e) As per statement dated 3/2, I was charged cheque pick up fee of Rs100 along with service tax.

Cheque was collected from me on 27/11 and cheque pick up charges were levied on Feb’10. If it had been a genuine fee it would have been reflected in the statement dated 3/12 where I had been charged a lot of fees for the above transaction. I feel that your credit card department is trying to generate new ways and means to collect money from me for which I am not ready to pay.

With Regards

Tapas Kumar Sen

Niharika Appartments, Flat-12,

485 Swamivivekananda Road,

West Rajapur,

Kolkata-700032

Company: Credit Card
Country: India

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