About a year back I made a Credit Card Payment on behalf of my daughter by cheque signed by me, from the savings A/c jointly held by us. The cheque of about Rs 2500/- was returned back to us with a remark that there was overwritting on it, which I could not see. She was told to make the payment immediately to make it quaiify for ' timely payment ". A new cheque was immediately despatched without any delay. The next bill came with a delayed payment charge of Rs 500/- on the actual amount of Rs 2500/-. Our corrected cheque payment was not considered ' timely ". We requested the bank to reconsider the case as the default was not at all intentional. My daughter stopped using the Credit Card from that day. The ICICI Bank still continues to send us a bill adding Rs 500/- for each month and the amount has mounted to an enormous figure. Rs 500/- per month is being charged for the original Rs 500/- penalty and not on any amount that was spent by my daughter. With the computerisation, the human touch has vanished. I hope that the bank takes a more humane approach on genuine matters like these.
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