ICICI Bank Credit Card
Overlimit charges and cash payment charges

I am an icicibank credit card customer. I am facing financial dificulty as I lost my job. I have been charged with overlimit fee on 22/02 and cash payment fee on 05/03.My father made a payment through his bank account cheque for Rs 1000 for my ICICI bank credit card # 5176377073557000.He submitted the account payee cheque at the counter. Ad ICICI bank customer service says that they considered it as a cash payment because the bank account was debited immediately. Everytime my father makes a payment in the same way (cheque at the counter) and its considered as a cheque payment everytime but this time they considered it as cash payment and they charged me cash payment fee of Rs.110.30.Its not my fault. I have the cheque number (222923) that was used to pay my credit card. There was a new bank employee sitting at the counter and he was consulting his colleague and finally he did a mistake. He debited my father's account immediately. My father didnt ask him to debit the account immediately.

Also I have been charged with overlimit charges. I agree that my account went over the limit. I called icici customer services in january informed them that I am facing financial difficulty and requested them to inform me before my a/c goes overlimit so that I can make some payment to avoid overlimit charges. I was promised by a supervisor in ICICI bank customer services, Hyderabad that they will send SMS alerts to make a payment in order to avoid your a/c going overlimit. But on 22/02 my a/c went overlimit because of the interest of Rs.1000 charged by them. And I wasnt informed. Had I been informed as promised by the supervisor, I would have made some payment to avoid any such charges. I have made so many calls to them for more than 20 minutes each call but all in vain. I paid 1 Rupee/min for calling them and the customer service talks so rudely to their customers. They are adding extra burden on me in my bad days when I expected them to be helpful.

Company: ICICI Bank Credit Card
Country: India

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