Ranvir Ahluwalia
Credit Card # 5176 - 5337 - 9634 - 4007
This is regarding my ICICI credit card being blocked inspite of "Zero" remaining dues.
I have had this credit card for around 3 years and have hardly ever missed a payment. Till then my experience with ICICI was very good.
In December my outstanding was around 53000 (I had a limit of 55000), when I had to go to Belgium for a company project. I wrote a check of the total outstanding due and gave it to my younger brother to make the payment.
Now, when I came back in April, it turns out my brother forgot to deposit the cheque and hence the credit card missed a couple months payment due to which it got, "Over Credit Limit" (OCL) and hence had been "permanantly blocked". I contacted the bank authorities and was told to clear the dues Rs.67800 and then the card would automatically get "re-activated".
Hence, I immediately made a payment of Rs. 67800 (16th April - Connaught Place - A Block - New Delhi). But they did not re-activate my card. On 20th April, as per newly generated CC statement, my outstanding become around Rs.2150 (interest for previous month). I was then told to clear this and then my CC will get re-activated. So, I again made a payment of Rs.2150. I have no outstanding with your bank but still my CC has not been re-activated. Now, when I call up customer care, they say my credit card can "Never" get activated because it is "Premanantly Blocked".
I agree that the mistake, although "unintentional", is on my side (my 18 year old naive brother). But then why was I told to make the payment to re-activate my card. I have been such a good customer, who does not owe anything to your bank, where does your "Khayal Aapka" banking TV Ad commercial and commitments go? I strongly feel that I have been cheated.
With the latest experience I have had with your bank, I have little hope that I will be heard by your bank. But, still I write to you, looking forward to resolve this.
Regards,
Ranvir Ahluwalia
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